Privacy Policy

Last updated: June 11, 2026

1. Information We Collect

Account Information: Name, email address, phone number, date of birth, username, and password (hashed).

Identity Verification: Social Security Number (encrypted at rest using AES-256), government-issued ID images (processed by our KYC provider and not stored on our servers after verification).

Financial Data: Transaction history, wallet balances, transfer amounts, and recipient information.

Device & Usage Data: IP address, browser type, device identifiers, and usage patterns for security monitoring.

2. How We Use Your Information

We use your information to: (a) provide and maintain the Service; (b) process transactions; (c) verify your identity as required by law; (d) communicate with you about your account; (e) detect and prevent fraud; (f) comply with legal obligations; (g) improve the Service.

3. Third-Party Services

We share information with the following third-party service providers who process data on our behalf:

Each provider processes data according to their own privacy policies and our data processing agreements.

4. Data Security

We implement industry-standard security measures including: AES-256 encryption for sensitive data at rest, TLS encryption for data in transit, secure credential storage, access controls, and regular security audits. However, no method of transmission or storage is 100% secure.

5. Data Retention

We retain your account data for as long as your account is active. Transaction records are retained for a minimum of 5 years as required by financial regulations (BSA/AML). Upon account deletion, personal data is removed within 30 days, except where retention is required by law.

6. Your Rights

You have the right to: (a) access your personal data; (b) correct inaccurate data; (c) request deletion of your data (subject to legal retention requirements); (d) export your transaction history; (e) opt out of non-essential communications. To exercise these rights, contact support@zank.ai.

7. Cookies & Tracking

We use essential cookies for authentication and session management. We do not use third-party advertising trackers. Analytics data is collected in aggregate form to improve the Service.

8. Children's Privacy

The Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we learn that we have collected data from a minor, we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or in-app notification. The "Last updated" date at the top indicates when the policy was last revised.

10. Contact

For privacy-related questions or requests, contact us at support@zank.ai.