Privacy Notice

Finoment LLC, 30 N Gould St Ste R, Sheridan, WY 82801, United States ("we"), is a software development, fintech research, and consulting company and is the data controller for personal data processed through this platform. We are not a bank, electronic money institution (EMI), payment institution, or other regulated financial-services provider.

1. Data we collect

• Account: email, name, password hash, authentication timestamps.
• Identity (KYC): name, date of birth, address, government ID document, selfie/liveness image, verification outcome — collected and validated by Didit on our behalf. We store only the verification outcome, session id and audit metadata.
• Contract signature: IP address, user-agent, timestamp, contract version, cryptographic hash of the signed document.
• Payments: transaction id, amount, currency, status, 3-D Secure result, invoice number. Full card numbers are collected and stored by Stripe, not by Finoment.
• Technical: IP address, device/browser identifiers, cookies necessary to keep you signed in.

2. Purposes and legal bases

• Provide the service, process payments, issue invoices — performance of contract.
• Verify identity, prevent fraud, comply with sanctions and anti-money-laundering rules — legal obligation and legitimate interest.
• Retain transaction and tax records — legal obligation (typically 7 years for tax purposes).
• Contact you about your account and transactions — performance of contract.

3. Recipients

We share personal data only with:

• Didit — identity verification provider.
• Stripe, Inc. — payment processor.
• Supabase / hosting — infrastructure processors under written data-processing agreements.
• Tax authorities and law-enforcement agencies where required by law.

4. International transfers

Personal data may be processed in the United States and other jurisdictions where our processors operate. Where required, transfers rely on Standard Contractual Clauses or equivalent safeguards.

5. Retention

Transaction, KYC and contract records are retained for 7 years from the last transaction to satisfy U.S. tax and record-keeping obligations. Marketing preferences are kept until you unsubscribe.

6. Your rights

Depending on where you live you may have the right to access, correct, delete, port or restrict processing of your personal data, and to object to processing based on legitimate interest. To exercise these rights email info@fintem.com. You may also lodge a complaint with your national data-protection authority.

7. Cookies

We use only cookies strictly necessary to authenticate you and prevent abuse. We do not run advertising or third-party tracking cookies on this platform.

8. Security

Data is encrypted in transit and at rest. Access is limited to authorised personnel on a need-to-know basis. Payment card data never touches our servers.

9. Contact

Privacy questions: info@fintem.com.