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Privacy Policy

Privacy Policy

1. Introduction

Helix Finance ("we," "our," "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and digital banking services (collectively, the "Services").

By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with any part of this policy, please do not use our Services.

2. Information We Collect

We collect several types of information from and about you, including:

2.1 Personal Information You Provide to Us

When you open an account, apply for services, or contact us, we may collect:

CategoryExamplesIdentity InformationFull name, date of birth, government-issued ID (passport, driver's license), Social Security number or tax identification numberContact InformationEmail address, phone number, residential addressFinancial InformationBank account numbers, income information, source of funds, credit historyAccount CredentialsUsername, password, security questions and answersBiometric InformationFingerprint or facial recognition data (with your explicit consent for authentication) 

2.2 Information Collected Automatically

When you access our Services, we automatically collect:

  • Device Information: IP address, device type, operating system, browser type, unique device identifiers (IMEI, MAC address) 

  • Usage Data: Pages visited, time spent on pages, features used, transaction history, clickstream data

  • Location Information: Approximate or precise geolocation data (with your permission) for fraud prevention and security purposes 

  • Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience and analyze usage 

2.3 Information from Third Parties

We may collect information from:

  • Credit reporting agencies and identity verification services

  • Government databases for compliance with KYC/AML regulations

  • Other financial institutions when you link external accounts 

3. How We Use Your Information

We use your personal information for the following purposes:

PurposeDescriptionService DeliveryProcess transactions, administer accounts, facilitate deposits, withdrawals, and paymentsIdentity VerificationVerify your identity as required by Know Your Customer (KYC) and Anti-Money Laundering (AML) lawsFraud PreventionDetect, investigate, and prevent fraudulent or unauthorized transactionsSecurityProtect our systems, maintain account security, and respond to security incidentsCustomer SupportRespond to your inquiries, resolve disputes, and provide technical assistanceService ImprovementAnalyze usage patterns to enhance our products, features, and user experienceLegal ComplianceComply with applicable laws, regulations, court orders, and government requestsCommunicationsSend you administrative messages, security alerts, updates, and promotional offers (you may opt out of marketing)

4. Legal Basis for Processing (For International Users)

We process your personal information based on one or more of the following legal grounds:

  • Performance of a Contract: To provide banking services you have requested

  • Legal Obligations: To comply with financial regulations, tax laws, and anti-fraud requirements

  • Legitimate Interests: To improve our services, prevent fraud, and ensure security

  • Consent: For marketing communications, biometric authentication, and location tracking where required 

5. How We Share Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

5.1 Service Providers

We share information with trusted third-party vendors who perform services on our behalf, including:

  • Data hosting and cloud storage providers

  • Payment processors and banking partners

  • Identity verification and credit reporting agencies

  • Fraud detection and security monitoring services

  • Customer support and communication platforms 

These providers are contractually obligated to keep your information confidential and use it only for the specified services.

5.2 Affiliates and Business Partners

We may share information with our corporate affiliates for internal business purposes, including offering joint products or services.

5.3 Legal and Regulatory Disclosures

We may disclose your information to:

  • Government authorities, regulators, and law enforcement agencies as required by law

  • Courts or other parties in connection with legal proceedings

  • Tax authorities for compliance with tax reporting obligations

5.4 Business Transfers

If we are involved in a merger, acquisition, restructuring, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change. 

5.5 With Your Consent

We may share your information for other purposes with your explicit consent.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Remember your preferences and login information

  • Understand how you use our Services

  • Improve website functionality and performance

  • Deliver relevant advertisements (with your consent where required)

You can manage cookie preferences through your browser settings. However, disabling cookies may affect certain features of our Services. 

Do Not Track Signals: Our Services do not currently respond to "Do Not Track" signals from web browsers.

7. Data Security

We implement industry-standard security measures to protect your information:

Security MeasureDescriptionEncryption256-bit SSL/TLS encryption for data transmission; encrypted storage for sensitive dataAccess ControlsStrict role-based access limits; multi-factor authentication for employeesMonitoring24/7 real-time fraud monitoring and intrusion detection systemsRegular TestingPeriodic vulnerability assessments and penetration testingEmployee TrainingMandatory data privacy and security training for all staff

Despite these measures, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security. 

8. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, including:

Retention PeriodInformation TypeDuration of your account + 7 yearsAccount records, transaction history, KYC documentation (to comply with regulatory requirements)Shorter period (e.g., 30 days)Usage data, device logs, temporary session dataUntil you withdraw consentMarketing preferences, biometric data (where collected)

After the retention period, we securely delete or anonymize your information.

9. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

RightDescriptionRight to AccessRequest a copy of the personal information we hold about youRight to RectificationCorrect inaccurate or incomplete informationRight to DeletionRequest deletion of your personal information (subject to legal exceptions)Right to Restrict ProcessingLimit how we use your information in certain circumstancesRight to Data PortabilityReceive your information in a structured, machine-readable formatRight to ObjectObject to processing based on legitimate interests or direct marketingRight to Withdraw ConsentWithdraw previously given consent at any time

9.1 For California Residents (CCPA)

If you are a California resident, you have the right to:

  • Know what personal information we collect, use, and disclose

  • Request deletion of your personal information

  • Opt out of the sale of your personal information (we do not sell your information)

  • Not receive discriminatory treatment for exercising your rights

To exercise your California privacy rights, contact us using the information in Section 13.

9.2 For European Residents (GDPR)

If you are located in the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR), including the right to lodge a complaint with your local supervisory authority.

10. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will delete it immediately. 

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws.

When we transfer your information internationally, we implement appropriate safeguards, including:

  • Standard contractual clauses approved by relevant authorities

  • Transfers to countries with adequacy decisions

  • Binding corporate rules for intra-group transfers

By using our Services, you consent to the transfer of your information to countries where we operate. 

12. Third-Party Links

Our Services may contain links to third-party websites, applications, or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies before providing any personal information. 

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will notify you by:

  • Posting the updated policy on our website

  • Sending a notification to your registered email address

  • Displaying a notice within our application

The "Effective Date" at the top of this policy indicates when it was last revised. Your continued use of our Services after any changes constitutes your acceptance of the updated policy. 

14. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Email:privacy@helixfinance.org

Live Chat: Available 24/7 through your online banking account

Mail: Helix Finance
Attn: Privacy Department
123 Financial District, Suite 400
New York, NY 10005

Phone: 1-800-HELIX-01

15. Complaints

If you believe we have violated your privacy rights, you may file a complaint with us using the contact information above. If you are not satisfied with our response, you may lodge a complaint with your local data protection authority or the Federal Trade Commission (FTC).

This Privacy Policy applies to Helix Finance and its affiliated entities. By using our Services, you acknowledge that you have read and understood this Privacy Policy.

Website:https://helixfinance.org

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