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Privacy Policy

Last Updated: May 9th, 2025

Binaxity Inc. (“Binaxity,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you interact with our services, including through our website, mobile application, and any financial or credit products we offer (collectively, the “Services”).

By using our Services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect a variety of personal information, including but not limited to:

a. Information You Provide

  • Identity & Contact Data: Name, address, phone number, email, date of birth.

  • Government Identifiers: Social Insurance Number (Canada), SSN (US), driver’s license.

  • Financial Information: Income, bank account details, credit reports, investment goals.

  • Account Credentials: Username, password, security settings.

  • Application Data: Employment status, residency, citizenship, and financial disclosures.

  • Communications: Support chats, surveys, feedback, and interaction logs.

  • Referrals: Contact details of those you refer to Binaxity (with their consent).

b. Automatically Collected Data

  • Device & Usage Data: IP address, browser, device type, app interactions.

  • Cookies & Tracking Technologies: Session and persistent cookies, SDKs, pixels, beacons.

  • Location Data: Approximate or precise location when enabled on your device.

2. How We Use Your Information

We use personal data to:

  • Deliver and manage credit and investment-related services.

  • Verify your identity and assess eligibility (e.g., AML/KYC checks).

  • Communicate with you (e.g., updates, support, promotions).

  • Provide insights and analytics to improve service quality.

  • Comply with legal obligations and manage risk.

  • Personalize your experience and content shown to you.

We do not use sensitive personal information to infer user characteristics.

3. Sharing Your Information

We may share your information with:

  • Service Providers: For hosting, verification, payments, analytics, marketing.

  • Financial Institutions & Brokers: When necessary to enable your linked accounts, execute investments, or transfer funds.

  • Affiliate Programs or Partners: For referral tracking and reward processing.

  • Regulatory Bodies: As required by law or in response to legal processes.

  • Business Transfers: As part of a merger, acquisition, or asset sale.

  • With Your Consent: As explicitly authorized by you.

4. Your Choices and Rights

You may:

  • Access, correct, or update your information through your account dashboard.

  • Request deletion of your personal data (subject to legal and retention exceptions).

  • Opt out of marketing communications at any time via provided links.

  • Disable cookies in browser settings or use ad-blocking tools for interest-based ads.

  • Adjust device permissions for location tracking or app analytics.

5. Cookies and Tracking Tools

We use cookies and similar technologies for:

  • Site Functionality

  • User Experience Personalization

  • Analytics (e.g., Google Analytics)

  • Advertising across platforms like Google or Meta

You may opt out of interest-based ads through industry tools like:

6. Security

We use physical, technical, and organizational measures to safeguard your data. However, no method is 100% secure, and we encourage strong password use and secure device settings.

7. International Data Transfers

Your data may be processed in the US or Canada, where privacy laws may differ from your jurisdiction. We ensure appropriate safeguards are in place for cross-border transfers.

8. AI and Automation

Our Services may include AI features like chat support or investment education. These tools may process personal data but are not used for automated decision-making that significantly affects users.

9. Retention

We retain your data only as long as necessary to fulfill our obligations, comply with laws, enforce agreements, or prevent fraud.

10. Children’s Privacy

Our Services are not intended for children under 18. If we discover that we’ve collected information from a minor without consent, we will delete it promptly.

11. Changes to This Policy

We may update this policy from time to time. Changes will be posted on our site and communicated via email or in-app notices when appropriate.

12. Contact Us

For questions, requests, or complaints, reach us at:

Binaxity Holdings Inc.

Email: [email protected]