Privacy Policy

1. Information We Collect
We collect several types of information to provide and improve our services. This includes:

1.1 Personal Information
·      Full Name
·      Email Address
·      Phone Number
·      Mailing Address
·      Social Security Number (where required for verification)
·      Bank Account Details (hashed or masked where applicable)

1.2 Non-Personal Information
·      IP Address
·      Browser Type and Version
·      Device Information
·      Usage Data (e.g., pages visited, time spent on our platform)

1.3 Sensitive Information
For specific services (such as identity verification and fraud prevention), we may collect sensitive information like Social Security Numbers and Bank Account Numbers. We do not store fully unmasked account numbers and use industry-standard encryption and hashing techniques to protect your data.

2. How We Use Your Information
We use the information collected for the following purposes:

·      Identity Verification – To verify your identity and prevent fraud.
·      Service Delivery – To provide you with the requested services.
·      Security & Compliance – To protect our platform, users, and businesses from unauthorised access, fraud, and abuse.
·      Communication – To send important updates, security alerts, and service-related notifications.
·      Legal Obligations – To comply with applicable laws, regulations, and legal processes.

3. How We Protect Your Information
We implement a variety of security measures to protect your personal data, including:

·      Encryption & Hashing – Sensitive data, such as Social Security Numbers and Bank Account Numbers, are stored using secure encryption and hashing methods.
·      Access Controls – Only authorised personnel have access to your personal information.
·      Regular Security Audits – We routinely review and update our security protocols to address potential threats.

Despite these measures, no method of transmission over the Internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

4. How We Share Your Information
We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

4.1 With Your Consent
We will share your information only when you explicitly consent to it.

4.2 For Legal and Compliance Reasons
We may disclose your information if required to do so by law, such as in response to a subpoena, court order, or government request.

4.3 With Service Providers
We work with third-party vendors to provide essential services such as data hosting, fraud detection, and identity verification. These providers are contractually obligated to keep your data secure and confidential.

5. Your Rights & Choices
You have certain rights regarding your personal information:

·      Access & Correction
You may request a copy of the personal data we hold about you and correct any inaccuracies.
·      Data Deletion
You may request that we delete your personal information, subject to legal and contractual obligations.
·      Opt-Out of Communications
You can unsubscribe from marketing communications at any time.

To exercise these rights, contact us at info@acufi.com

6. Data Retention
We retain your personal information only as long as necessary to fulfil the purposes outlined in this policy or as required by law. Once no longer needed, we securely delete or anonymise your data.

7. Cookies & Tracking Technologies
We may use cookies and tracking technologies to enhance user experience and analyse usage patterns. You can adjust your browser settings to refuse cookies; however, this may impact the functionality of our services.

8. International Data Transfers
If you are accessing our services from outside the United States, please be aware that your information may be transferred, stored, and processed in the U.S. or other jurisdictions with different data protection laws.

9. Changes to This Privacy Policy
We may update this Privacy Policy periodically. Any changes made will be posted on this page with the last updated date at the top. If significant changes are made, we will notify you via email or through our platform.

10. Contact Us
If you have any questions about this Privacy Policy, please contact us:

Email – info@acufi.com  
Mailing Address – 4464 Sparks Blvd, Nevada, 89436

11.
This Privacy Policy outlines the policies and procedures of AcuFi Pay (“we”, “us”, or “AcuFi”) regarding the collection, use, and disclosure of your information on AcuFi.com (the “Site”) and the services, applications, and features available through the site (collectively, the “Services”). We collect information about you from various sources, including your AcuFi user account or profile, your interactions with the Services, and third-party websites or services.

12.
This Privacy Policy explains how AcuFi collects, processes, and protects Personal Data when you access and use our Services. ‘Personal Data’ refers to any information that can identify an individual, while ‘processing’ includes actions such as collection, use, storage, and disclosure of data.

Personal Data
12.1
This Privacy Policy also governs AcuFi’s handling of Personal Data shared between AcuFi and its business partners. However, it does not extend to the practices of third parties, including their websites, services, or applications that AcuFi does not own or control, nor to individuals AcuFi does not employ or manage (“Third Parties”). While we strive to collaborate with Third Parties that uphold similar privacy standards, we cannot be responsible for their content, actions, or privacy policies. We strongly encourage you to review the privacy policies of any Third Parties you interact with to understand how your data is handled.

12.2
We collect Personal Data about you in the following ways:
When you provide it directly to us, when our business partners or service providers share it with us, or when it is automatically collected as you use our Services.

12.3
Information we collect directly from you:
We receive Personal Data directly from you when you provide us with such Personal Data, including without limitation the following:

·      First and last name
·      Email address
·      Mailing address
·      Telephone number
·      Age/birthday
·      Company name and job title

Public Website
13.1
When you visit our website, we collect certain information about you based on your interactions with our site. The type of information we receive and collect depends on your activities. You may enhance your experience by providing us with details about yourself, such as when applying for products, making inquiries, or requesting additional information about a product or service. When you request information, we may ask for your name and other personal details or obtain such data from third parties. Providing this information is entirely voluntary.

13.2
We, along with our third-party service providers, may use this information for various purposes, including enhancing our ability to fulfil your requests and inquiries, monitoring website usage and performance, improving user experience, ensuring compatibility with your device, protecting against fraud or identity theft, and conducting aggregate analyses of usage patterns.

13.3
If you provide us with information about another person, you confirm that you have obtained their consent to share their personal data with us. You also acknowledge that you have informed them about who we are and how we will process their information, as outlined in this Privacy Policy.

Application Process and Non-Public Websites
14.1
At times, you may be required to provide us with certain personal information, such as your date of birth and address, which may be protected under applicable data privacy laws. By completing the application process and/or using our non-public websites, you consent to our processing and disclosure of this information to our affiliated companies and third-party service providers for their processing. We and our partners will use your personal information only for purposes necessary to fulfil our obligations under your customer agreement and to comply with applicable laws and regulations. These purposes may include due diligence, anti-money laundering verifications, ‘Know Your Customer’ (KYC) confirmations, and marketing activities.

14.2
For our customers, details regarding the disclosure, transfer, and processing of personal data as part of our services are outlined in the documentation provided during the onboarding process. These matters fall outside the scope of this Privacy Policy, which applies solely to information collected through this website.

How and With Whom Do We Share Your Data?

15.1
We share Personal Data with vendors, third-party service providers, and agents who assist us in delivering services aligned with the purposes outlined in this Privacy Policy or our Terms of Service. These partners include:

·      Payment processors
·      Fraud prevention service providers
·      Analytics service providers
·      Hosting service providers
·      Marketing service providers
·      Staff augmentation and contract personnel
·      Co-location service providers
·      Telecommunications service providers

These entities process Personal Data on our behalf to support our operations and enhance our services.

15.2
We also share personal data when necessary to complete a transaction initiated or authorised by you or to provide a product or service you have requested. In addition to the parties mentioned above, these recipients may include:

·      Other users – When you post information publicly or as required to complete a transaction you initiated through the Services.
·      Social media services – If you engage with them while using our Services.
·      Third-party business partners – Including vendors you access through our Services.
·      Other authorised parties – As explicitly approved of by you.

This data sharing ensures seamless delivery of our services and the fulfilment of your requests.

15.3
We also share Personal Data when we believe it is necessary to:

·      Comply with applicable laws or respond to valid legal processes, including requests from law enforcement or government agencies.
·      Protect our business, users, and platform by enforcing our Terms of Service, preventing spam or other unwanted communications, and investigating or defending against fraud. This may include exchanging information with other companies and organisations for fraud prevention and credit risk reduction.
·      Ensure the security of our products and services by detecting, preventing, and addressing security threats.

15.4
As part of our Services, you may receive emails and other communications from AcuFi. By using our Services, you acknowledge and agree that AcuFi may send you communications, at its sole discretion, that are relevant to your use of the Services.

15.5
We also share information with third parties when you provide your consent. Additionally, in the event of a business transaction such as the purchase or sale of assets, user information is typically among the transferred assets. If AcuFi or substantially all of its assets are acquired, or in the event of bankruptcy or business closure, user information may be transferred to or acquired by a third party. You acknowledge that such transfers may occur, and that any acquiring entity may continue to use your personal data in accordance with this Privacy Policy.

15.6
AcuFi may collaborate with affiliated businesses to co-promote content or services and may share your personal data with these affiliates.

16. How Long Do We Retain Your Personal Data?
We retain your personal data for as long as your account remains open or as necessary to provide you with our Services. In some instances, we may retain personal data for longer periods if required to comply with legal obligations, resolve disputes, collect outstanding fees, or as otherwise permitted by applicable laws and regulations. After this period, we may retain certain information in a depersonalised or aggregated form that does not personally identify you.

17. What Security Measures Do We Use?
We implement appropriate technical and organisational measures to protect Personal Data, considering the nature of the data and the applicable processing activities. For example, all personal data is encrypted. To help safeguard your information, we encourage you to prevent unauthorised access to your account by choosing a strong password, protecting it appropriately, and signing off after accessing your account.

While Acufi strives to keep user account information private and secure, we cannot guarantee absolute security. Unauthorised access, hardware or software failures and other unforeseen factors may compromise the security of user information at any time.

18. Browsing data and cookies
This website uses cookies, the small text files stored on your device, to enhance your browsing experience. Cookies help retain user preferences, store information for features such as shopping carts, and provide anonymised tracking data to third-party applications like Google Analytics.

While cookies generally improve website functionality, you may choose to disable them. The most effective way to do so is by adjusting your browser settings. For guidance on managing cookies, consult your browser’s Help section or visit the About Cookies website, which provides instructions for all major browsers.

Third-Party Cookies
19.1
Our Services use cookies and similar technologies, including pixel tags, web beacons, clear GIFs, and JavaScript (collectively, “Cookies”), to recognise your web browser and track how and when you interact with our Site and Services. These technologies help us analyse trends, understand our user base, and enhance the functionality and performance of our Services.

Cookies are small files, typically consisting of letters and numbers, that are placed on your computer, tablet, phone, or other device when you visit our site. In some cases, we may combine non-personal data collected through Cookies with personal data we have about you. For example, to identify you or determine whether you have an account with us. Additionally, we may supplement the information we collect from you with data received from third parties.

19.2
Cookies can be categorised as either session Cookies or persistent Cookies. Session Cookies are temporary and remain on your device only while you are visiting our Site or using our Services. In contrast, persistent Cookies remain stored on your device for a definite period after you leave our site or services. The duration of a persistent Cookie varies depending on its purpose.

We use persistent Cookies to:

·      Store your preferences for future visits.
·      Track how often you visit and return to our Services.
·      Analyse how your usage patterns change over time.
·      Measure the effectiveness of our advertising efforts.

Additionally, through these Cookies, we may collect information about your online activity even after you leave our Services.

Your browser may offer a “Do Not Track” (DNT) option, which allows you to indicate that you do not wish to be tracked across websites. However, because we collect browsing data and persistent identifiers, our Services do not currently support DNT requests. This means we may continue to collect information about your online activity while you use our Services and after you leave.

19.3
Some Cookies are placed on your device by third parties and may collect information about your browsing habits, such as your visits to our Site or Services, the pages you have viewed, and the links or advertisements you have clicked. These Cookies can help determine whether certain third-party services are being used, identify your interests, retarget advertisements, and deliver ads that we or others believe may be relevant to you.

Please note that we do not control third-party Cookies. Their placement and usage are subject to the privacy policies of the respective third parties.

Transfer of personal information to third parties
20.1
Your personal data may be disclosed to various recipients, including third parties engaged to support our business operations, subject to your consent where required by law. These third parties may include:

·      Distributors of our products and services.
·      Service providers performing functions on our behalf, such as accounting, auditing, consulting, legal, and other professional services.
·      Providers of additional business-related services.

Certain aspects of our Services may be delivered by organisations with whom we have contractual agreements, including subcontractors. As a result, your personal data may be shared with these entities.

When personal data is shared with service providers for processing, we remain responsible for ensuring that your information continues to be protected with the same level of security and confidentiality as if we were handling it directly.

20.2
We may also disclose your personal data to third parties in the following circumstances:

·      Business Transactions
If we sell or buy any business or assets, we may share your Personal Data with the prospective buyer or seller as part of the transaction.

·      Acquisition or Merger
If Acufi or substantially all of its assets are acquired by a third party, customer Personal Data will be among the transferred assets.

·      Legal Obligations
If required to comply with a legal obligation, enforce this Privacy Policy or other agreements, or protect the rights, property, or safety of Acufi, our customers, or others. This may include sharing information with other organisations for fraud prevention and credit risk reduction.

We store the personal data you provide on our website until the purpose for which it was collected has been fulfilled. If you no longer consent to the storage of your personal data or believe it was stored in error, we will delete, block, or correct your data as permitted by applicable law.

Upon request, we can provide you with free information regarding the personal Data we have stored about you.

Direct marketing
21.1
Subject to your consent, where required by applicable law, we may use your personal data to send you direct marketing communications about our products and services, as well as those of our affiliates and third-party partners. We may also allow these affiliates and third parties to send their own direct marketing to you.

Our direct marketing efforts may be conducted via email, telephone, postal mail, SMS, or any other relevant communication methods that may emerge. Additionally, we may provide direct marketing information and permit others to do so as authorised under our customers’ respective contracts.

21.2
We take steps to ensure that any direct marketing communications sent electronically provide a simple and clear way for you to opt out in compliance with applicable laws. For example, our emails may include an “unsubscribe” link or an email address where you can send a request to stop further communications.

Your consent is required for direct marketing under applicable law, and if you choose to provide it, you will have the right to withdraw your consent at any time.

Other websites and information security
22.1
Websites linked to or from our website are governed by their own privacy policies, which may differ from ours. We encourage you to carefully review the privacy policies of these third-party websites before providing any personal data.

We are not responsible for any losses or damages arising from the information, security, privacy practices, availability, content, or accuracy of materials on such third-party websites.

22.2
Please be aware that internet communications, such as emails, are not always secure. While we take measures to protect all confidential and personal information submitted through our website in compliance with applicable laws and regulations, we cannot guarantee the security of data transmitted over the Internet. Like all website operators, we acknowledge the inherent risks associated with online data transmission.

23. Suspicious e-mail
We will never email you to request personal data over the Internet or through any other means. To protect yourself against online fraud, remain cautious of unsolicited emails requesting sensitive information. If you suspect a fraudulent email, please contact us immediately.

24. Notice to Users Accessing This Website Outside the United States
If you are accessing this website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your jurisdiction. By using our website, you acknowledge and consent to such transfers in accordance with our Privacy Policy.

If you reside outside the United States, any information you provide through our website will be transferred to and processed in the U.S. If you do not wish your personal data to leave your country, please refrain from providing it to us.

By submitting your personal data, you explicitly consent to its transfer, storage, and processing in the United States in accordance with our Privacy Policy.

25. Use by minors
Our Services are not intended for individuals under the age of 18, and we request that they do not provide any personal data through the Services.

26. Changes to our online privacy policy
We may update this Privacy Policy periodically. It is your responsibility to review this policy regularly and stay informed about any changes. We encourage you to visit this page frequently, as your continued use of our website signifies your acceptance of the most recent version of this Privacy Policy.

If you have any questions or comments regarding our Privacy Policy, please contact us at info@acufi.com