Effective Date: September 17, 2024
1. INTRODUCTION
Curiara Financial Services INC (hereinafter referred to as «Curiara») is committed to safeguarding the privacy of its users. This Privacy Policy explains how we collect, use, disclose, and protect personal information collected through our website (www.curiara.com), mobile applications, and services provided (collectively referred to as the «Platform»). Curiara is a Money Services Business (MSB) operating in compliance with applicable laws, including the U.S. data protection and privacy regulations.
By accessing and using the Platform, you agree to this Privacy Policy. We encourage you to review this document regularly, as Curiara reserves the right to modify this policy at any time.
2. INFORMATION WE COLLECT
We collect various types of information from and about users of our Platform, including:
2.1. PERSONAL INFORMATION
This refers to information that can be used to identify you personally, such as:
- Full Name
- Date of Birth
- Email Address
- Mailing Address
- Telephone Number
- Identification Documents (e.g., Passport, Driver’s License)
- Bank Account Information
- Transaction History
2.2. AUTOMATED INFORMATION
When you visit our Platform, we may automatically collect certain information about your device and browsing actions:
- IP Address
- Browser Type and Version
- Device Information (e.g., type, settings)
- Geolocation Information
- Cookies and Usage Data
2.3. THIRD-PARTY INFORMATION
We may collect personal information about you from third-party sources, including:
- Financial institutions and payment processors
- Credit bureaus and identity verification services
- Public databases and sanctions lists for compliance purposes (KYC, AML)
3. HOW WE USE YOUR INFORMATION
Curiara uses the information collected for the following purposes:
3.1. TRANSACTION PROCESSING
We collect and process your personal information to facilitate money transfer services, ensuring secure execution of transactions from originator to beneficiary. This includes verifying your identity and account details.
3.2. REGULATORY COMPLIANCE
As an MSB, Curiara complies with U.S. regulations, including anti-money laundering (AML) and know your customer (KYC) requirements. We are legally obligated to maintain records, report suspicious transactions, and conduct due diligence on users.
3.3. CUSTOMER COMMUNICATION
We use your contact information to communicate with you about your account, transactions, updates to our services, and any issues that arise during transactions.
3.4. PLATFORM IMPROVEMENT
Curiara collects automated information to analyze usage patterns and improve the functionality and user experience of our Platform.
3.5. MARKETING
With your explicit consent, we may use your personal information to send promotional offers or service updates. You can opt out of these communications at any time.
4. DISCLOSURE OF INFORMATION
We do not sell or rent personal information. However, your personal data may be shared in the following situations:
4.1. SERVICE PROVIDERS
We may share your personal information with third-party service providers who perform business operations on our behalf, including payment processing, data hosting, and customer support.
4.2. LEGAL OBLIGATIONS
We may disclose your personal data when required by law, such as in response to legal processes or in compliance with applicable U.S. regulations (e.g., AML, KYC, Patriot Act).
4.3. BUSINESS TRANSFERS
In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of that transaction.
4.4. AFFILIATES
We may share your data with our corporate affiliates to facilitate our services and comply with regulatory obligations.
5. DATA RETENTION
We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including compliance with legal and regulatory obligations. Curiara adheres to the data retention periods prescribed under U.S. law, especially regarding AML and KYC regulations.
6. SECURITY OF YOUR INFORMATION
Curiara takes the protection of your data seriously. We implement industry-standard security measures to prevent unauthorized access, use, or disclosure of your personal information, including encryption, secure servers, and restricted access. While we strive to safeguard your data, no method of transmission over the internet is completely secure.
7. COOKIES AND TRACKING TECHNOLOGIES
Our Platform uses cookies and similar tracking technologies to collect and store certain information about user interactions. These technologies help us understand usage patterns, improve user experience, and deliver targeted content. You can control cookies through your browser settings but disabling them may affect the functionality of the Platform.
8. YOUR RIGHTS
As a user, you have the following rights regarding your personal information:
8.1. ACCESS
You have the right to access the personal data we hold about you, including the categories of data collected, the purpose for its use, and any third parties it has been shared with.
8.2. RECTIFICATION
You can request the correction of any inaccuracies in your personal data.
8.3. ERASURE
In certain circumstances, you may request the deletion of your personal data, subject to our legal obligations to retain such information.
8.4. DATA PORTABILITY
You can request a copy of your personal data in a structured, machine-readable format for personal use or transfer to another service.
8.5. WITHDRAWAL OF CONSENT
Where we rely on your consent to process your personal information, you have the right to withdraw that consent at any time. This will not affect the legality of processing based on your consent prior to withdrawal.
8.6. LODGING COMPLAINTS
You have the right to lodge a complaint with a supervisory authority if you believe we have violated your privacy rights.
9. MINORS AND PRIVACY
Our Platform is intended for individuals 18 years of age or older. We do not knowingly collect personal information from minors. If we become aware that we have collected personal data from a minor, we will take steps to delete that information.
10. EXTERNAL LINKS
Our Platform may contain links to third-party websites. Curiara is not responsible for the privacy practices of these external websites. We encourage users to read the privacy policies of those websites before providing personal information.
11. CHANGES TO THE PRIVACY POLICY
Curiara reserves the right to modify this Privacy Policy at any time. Changes will be effective immediately upon posting on our Platform. We will notify users of material changes through email or via the Platform.
12. CONTACT INFORMATION
For any questions regarding this Privacy Policy or your personal information, you may contact us at:
- Email: hello@curiara.com
- Mailing Address: 8504 NW 66 St. Miami, Florida 33166 USA
By using the Platform, you acknowledge that you have read and understood this Privacy Policy. You agree to the collection, use, and sharing of your information as described in this policy.
