Privacy policy.

1. Who we are

Choice Fin ("we", "us", "our") provides digital banking and money-movement services. This policy explains what data we collect about you, why we collect it, and the rights you have over that data.

Our registered office is at Unit 5, Phase 2 Olympic Park Way MANCHESTER 112WH UNITED KINGDOM. Level 3, Financial Park Complex Jalan Merdeka 87000 WP LABUAN MALAYSIA..

2. What we collect

We only collect what we need to provide our services, prevent fraud, and meet our legal obligations.

• Account data: name, email address, date of birth, residential address, phone number, government ID number.
• Financial data: account balances, transaction history, transfer recipients, card metadata (but never CVV after first input).
• Device data: IP address, browser, device model, app version, language preference.
• Usage data: pages viewed, features used, click events — used only to improve the product.

3. How we use it

• To provide and operate our banking services.
• To verify your identity and prevent fraud, money laundering, and other illegal activity.
• To comply with applicable laws (KYC, AML, sanctions screening, tax reporting).
• To communicate with you about your account, security, and our services.
• To improve our products through anonymised analytics.

We do not sell your personal data. We don't share it with advertisers. We don't trade it.

4. Who we share with

We share data only with parties strictly necessary to deliver our service:

• Our regulated banking partners that hold your deposits.
• Payment networks (Visa, Mastercard, SWIFT) to process transactions you initiate.
• Identity verification providers (regulated KYC vendors).
• Cloud infrastructure providers under strict data-processing agreements.
• Law enforcement, when legally compelled — and we publish a transparency report annually.

5. How we protect it

Your data is encrypted both in transit (TLS 1.3) and at rest (AES-256). PII is field-level encrypted with rotated per-tenant keys. Access is governed by least-privilege, just-in-time controls and audited monthly. See our Security page for the technical detail.

6. Your rights

Depending on where you live, you may have the right to:

• Access the personal data we hold about you.
• Correct inaccurate data.
• Request deletion (subject to legal retention obligations).
• Port your data to another provider.
• Object to processing or withdraw consent.

To exercise these rights, email admin@choicefin.it.com. We respond within 30 days.

7. Cookies & tracking

We use essential cookies to keep you signed in and prevent fraud. Analytics cookies are anonymised and you can decline them via your browser settings. We don't use advertising cookies.

8. Children

Our service is not directed to anyone under 18. We don't knowingly collect data from minors. If you believe we have collected data from a child, contact us and we'll delete it immediately.

9. International transfers

If you reside outside the US, your data may be transferred to and processed in the US. We use Standard Contractual Clauses and equivalent safeguards to ensure equivalent protection.

10. Changes

If we make material changes to this policy, we'll notify you by email at least 30 days before they take effect. Continued use after the effective date constitutes acceptance.

11. Contact us

For privacy questions, requests, or concerns, email admin@choicefin.it.com or write to us at the address above.