Cashtopia LLC – Privacy Policy

Effective Date: July 1, 2025
Company: Cashtopia LLC
Registered Under: Laws of Lexington, Kentucky, USA
FinCEN MSB Registered

1. Introduction

Cashtopia LLC ("we", "us", or "our") is committed to protecting the privacy and security of your personal and financial information. This Privacy Policy explains how we collect, use, store, and share your data when you use our website, mobile app, or related services.

2. Information We Collect

We may collect the following categories of personal data:

a. Personal Information

Full name
Date of birth
National ID/Passport number
Address
Phone number
Email address
Selfies or biometric data for verification

b. Financial Information

Wallet balance
Transaction history
Linked bank accounts
Credit/debit card details
Cryptocurrency wallet data

c. Technical Information

IP address
Device type and OS
Browser type
Session logs
Location (with consent)

3. Why We Collect Your Data

We use your data to:

Create and manage your account
Process transactions and withdrawals
Perform identity verification (KYC/AML compliance)
Detect and prevent fraud or suspicious activity
Offer personalized financial services
Fulfill regulatory obligations (e.g., FinCEN, IRS, OFAC)
Improve app functionality and support
Communicate with you about updates, security, and support

4. Data Sharing

We may share your data with:

Regulatory agencies like FinCEN, IRS, or law enforcement (when legally required)
Financial partners such as banks, mobile money providers, and card processors
Third-party services for KYC verification, security, or analytics
Cashtopia agents and authorized merchants (when applicable)

We never sell your data to advertisers.

5. User Rights and Choices

You have the right to:

Access your data anytime
Update or correct your information
Request deletion of your account
Withdraw consent for marketing emails
File a complaint if you believe your data is misused

To exercise your rights, contact support@cashtopia.app.

6. Data Security

Cashtopia uses:

End-to-end encryption
Two-factor authentication (2FA)
Biometric login options
AI-based fraud detection
Secure cloud storage with access controls

7. Data Retention

We retain your personal data for as long as required by:

Financial regulations (e.g., FinCEN mandates record-keeping for 5 years)
Anti-money laundering (AML) laws
Internal audit and security needs

Once data is no longer required, we securely delete or anonymize it.

8. Children's Privacy

Cashtopia does not offer services to individuals under 18. If we learn we have collected information from a minor, we will delete it immediately.

9. International Transfers

If you access Cashtopia outside the United States, your data may be transferred to U.S. servers. We comply with international data protection laws to ensure your data remains protected.

10. Policy Updates

We may update this Privacy Policy to reflect legal, technical, or operational changes. We will notify you via email or app notification. Continued use of Cashtopia means you agree to the updated policy.

11. Contact Information

If you have questions or concerns:

Email: support@cashtopia.app
Phone: +1 231-903-6725
Website: www.cashtopia.app