Cookie Policy

1. INTRODUCTION

This Privacy Policy explains how ArthaFi Finance Inc. collects, uses, discloses, stores, and safeguards personal information in connection with the Artha.Money Platform, in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), FINTRAC requirements, FATF standards, and the General Data Protection Regulation (GDPR) where applicable.

2. INFORMATION WE COLLECT

We may collect the following categories of personal information:

• Identity and contact information
• Government-issued identification documents
• Biometric data, including selfies, facial images, liveness detection, and face-matching data
• Financial information, transaction history, and wallet balances
• Device identifiers, IP addresses, and usage logs
• Business ownership and control information

Identity verification is conducted through Sumsub. Transaction monitoring and Travel Rule compliance are supported by AMLBot.

3. PURPOSES AND LEGAL BASES FOR PROCESSING

We process personal information to:

• Provide and operate the Services
• Perform contractual obligations
• Comply with AML/CTF, FINTRAC, and Travel Rule requirements
• Detect, prevent, and investigate fraud
• Meet legal and regulatory obligations
• Protect the security and integrity of the Platform

4. DISCLOSURE OF PERSONAL INFORMATION

We may disclose personal information to:

• FINTRAC, law enforcement, regulators, and courts
• Identity verification, AML, and fraud-prevention providers
• Banks, payment processors, card networks, and partners
• Service providers under contractual confidentiality obligations

We do not sell or rent personal information.

5. INTERNATIONAL DATA TRANSFERS

Personal information may be processed or stored outside Canada, including in Singapore, subject to appropriate contractual, technical, and organisational safeguards.

6. DATA RETENTION

Personal information is retained for at least five (5) years, or longer where required by AML/CTF laws, FINTRAC requirements, or other Applicable Law.

7. AUTOMATED DECISION-MAKING

We use automated systems for identity verification, transaction monitoring, sanctions screening, and fraud detection. You may request human review where required by law.

8. SECURITY MEASURES

We implement reasonable administrative, technical, and physical safeguards to protect personal information. However, no system is completely secure.

9. YOUR RIGHTS

Subject to Applicable Law, you may request access, correction, or deletion of personal information, subject to AML/CTF retention obligations.

10. CONTACT INFORMATION