Privacy Policy

1. Information We Collect

• Identification and contact details (e.g., name, email, phone).
• Business identifiers where applicable (e.g., registered number, TIN).
• Transactional and usage data within our platform.
• Device, log, and security data for fraud prevention and diagnostics.

2. How We Use Information

• To provide and improve services, support, and communications.
• To process transactions and maintain accurate member records.
• To meet legal, regulatory, and audit requirements (e.g., KYC/AML).
• To secure accounts, detect fraud, and ensure service reliability.

3. Legal Bases

We rely on consent, contract necessity, legal obligations, and legitimate interests as appropriate under applicable data protection laws.

4. Data Sharing

• With service providers under confidentiality and processing agreements.
• With regulators or authorities where legally required.
• Within APECCU group entities for internal operations and support.

5. Data Security

We implement technical and organizational measures including encryption, access controls, and continuous monitoring to safeguard your data.

6. Data Retention

We retain information for as long as necessary to provide services and as required by law, after which data is securely deleted or anonymized.

7. Your Rights

• Access, correction, deletion, and portability of your personal data.
• Objection or restriction of processing in certain circumstances.
• Withdraw consent where processing is based on consent.

8. International Transfers

Where data is transferred across borders, we use appropriate safeguards such as standard contractual clauses and risk assessments.

9. Cookies & Tracking

We use cookies and similar technologies to ensure functionality, analyze usage, and improve member experience. You may manage preferences in your browser settings.

10. Changes to this Policy

We may update this policy to reflect changes in practices or legal requirements. We will notify you of material updates via the platform.