Privacy Policy
Seamless Finance operates globally through various entities to provide a platform for digital asset payments, tokenized capital flows, real-time card issuance, crypto invoicing, RWA tokenization, and PayFi (the "Services"). This Privacy Policy explains how we process your Personal Data when you use our website, mobile app, and Services.
1. Who We Are
Seamless Finance entities are listed in Section 'Where We're Based' below and are collectively referred to as "Seamless Finance," "we," "us," or "our." For Data Protection Legislation purposes, we are the data controller for Personal Data collected through your use of our Services or Account setup. We determine the purposes and means of processing your Personal Data.
This Privacy Policy should be read alongside our Cookie Policy and Terms of Service.
2. What Does This Privacy Policy Contain?
Seamless Finance values your privacy. This Privacy Policy details how we process your Personal Data when using our Services, ensuring compliance with Data Protection Legislation. Read this alongside any specific privacy notices we provide during data collection to fully understand our practices.
3. Who Does This Privacy Policy Apply To?
This Privacy Policy applies to:
- Users accessing our Site, participating in surveys, or engaging in research
- Users of our Services via our Site, mobile app, or third-party platforms
- Clients, suppliers, and business partners
- Individuals interacting with us via calls, emails, or events
By using our Services, Site, or accepting this Privacy Policy, you agree to its terms. If you disagree, stop using our Services immediately.
4. What Data Do We Collect About You?
We respect your privacy and collect Personal Data only as legally permitted, from you when creating an Account, placing transactions, making payments, or interacting with our Services.
| Type of Data | Description |
|---|---|
| Personal and Contact Details | Name, address, email, username, password, phone number |
| Financial Information | Cryptocurrency wallet addresses, transaction history, payment methods |
| Transactions and Account History | Details of transactions (stablecoin payments, fiat off-ramps, RWA tokenization) |
| Communications | Emails, chats, or calls with our support team |
| Site/Service Usage | Pages visited, content viewed, links clicked (via cookies) |
| Device/Technical Information | Device identifiers, browser details |
5. How Do We Use Your Personal Data?
We process your Personal Data for the following purposes and legal bases:
| Purpose | Legal Basis |
|---|---|
| Register you as a user | Perform a contract or take steps at your request |
| Provide Services (crypto invoicing, real-time cards, RWA tokenization) | Perform a contract and comply with legal/regulatory obligations |
| Comply with KYC/AML/CTF obligations | Legal/regulatory obligations and legitimate interests |
| Provide customer support | Perform a contract and comply with legal/regulatory obligations |
| Improve Site/Services via analytics | Your consent |
| Provide relevant advertising | Your consent |
6. Who Do We Share Your Personal Data With?
We may share your Personal Data with:
- Affiliates for purposes in this Privacy Policy
- Third-party providers (payment processors, KYC/AML services, cloud providers)
- Business partners for contractual/regulatory obligations
- Marketing partners (if you haven't opted out)
- Identity verification/fraud prevention agencies
- Statutory authorities, regulators, or law enforcement for legal compliance
- Parties involved in business mergers/acquisitions
7. How Long Do We Retain Your Personal Data?
| Type of Data | Retention Time |
|---|---|
| Marketing Consents | Until consent is withdrawn (kept on suppression list) |
| Customer Personal Data | Up to 7 years post-Account closure |
8. Where Do We Transfer Your Personal Data?
We primarily store/process Personal Data in the UK/EEA. If transferred outside, we ensure protection via adequate data protection laws, contractual commitments (e.g., EU Standard Contractual Clauses), or other compliant measures.
9. Keeping Your Personal Data Safe
We use technical and organizational measures to protect your Personal Data from unauthorized access, loss, or alteration. Access is restricted to employees/contractors needing it for Service delivery. However, internet transmission is not fully secure, and we cannot guarantee absolute security.
10. Cookies
We use cookies for the purposes above. See our Cookie Policy for details.
11. Marketing
You can choose whether to receive marketing communications and how. Opt out via unsubscribe links in emails or by emailing support@seamless.finance. Transactional messages may continue.
12. Your Rights
Under Data Protection Legislation, you have rights (subject to conditions):
- Access: Request a copy of your Personal Data
- Correction: Update inaccurate Personal Data
- Erasure: Request deletion of unneeded Personal Data
- Restriction: Limit processing temporarily
- Data Portability: Receive or transfer your Personal Data in a machine-readable format
- Objection: Object to processing
- Automated Decisions: Request human review of automated decisions
- Withdraw Consent: Stop consent-based processing
13. Privacy When Using Digital Assets and Blockchains
Your digital asset transactions (e.g., wallet addresses) may be recorded on public blockchains, subject to forensic analysis. We cannot modify or erase blockchain data, as it is decentralized. You are responsible for accurate data submission, as blockchain transactions are irreversible.
14. Children's Data
Our Services are for users over 18. We do not knowingly collect data from those under 18. Contact support@seamless.finance if you believe we have such data, and we will delete it.
15. Personal Data Breach
We will notify authorities of serious Personal Data Breaches within 72 hours (where feasible) and you if there's a high risk, unless mitigated by encryption or other measures.
16. Privacy Policies of Other Websites
Third-party websites have their own privacy policies. We are not responsible for their practices or content accessed via our Services.
17. Changes to This Privacy Policy
We may update this Privacy Policy for Service, legal, or regulatory changes. Updates are effective upon posting on our Site. Review regularly to stay informed. If you disagree, stop using our Services.
18. How to Contact Us
For questions or to exercise your rights, contact our Data Protection Officer at support@seamless.finance.
19. Complaints
For complaints about Personal Data processing, contact support@seamless.finance.
20. US Consumer Privacy Notice
What does Seamless Finance LLC do with your personal information?
Why? Financial companies decide how to share personal information. Federal law allows consumers to limit some sharing and requires us to explain our practices.
What? We collect: Social Security Number, date of birth, government ID, financial/transaction data, technical/usage data. We share this as described below.
| Reasons | Do We Share? | Can You Limit? |
|---|---|---|
| Everyday business (transactions, legal compliance) | Yes | No |
| Marketing our Services | Yes | Yes, via opt-out |
| Affiliates' business purposes | Yes | No |
| Affiliates' marketing | Yes | Yes |
How We Protect Your Information: We use technical, physical, and administrative safeguards compliant with federal law.
Questions? Email support@seamless.finance
Opt-Out: Unsubscribe from marketing emails via links or email support@seamless.finance.