Privacy Policy

Last updated: 05 October 2025

Thank you for choosing FBA International Finance Limited (“we”, “us”, “our”). Protecting your privacy and keeping your data secure is important to us. This Privacy Policy explains what personal information we collect, why we collect it, how we use and share it, and the choices and rights you have.

Please read this Policy carefully. By accessing our Site, using our Products or Services, or registering an account you agree to this Policy.

1. What information we collect

We collect information you give us directly and information that is generated or inferred through your use of the Services.

(1) Personal information (identity & contact): such as full name, date of birth, identification document/passport number, residential address, email address, phone number, proof of identity and address (e.g., utility bill) for KYC/AML checks, etc.

(2) Payment & financial information: such as corresponding bank account details, bank/payment card details, transaction records, balances, FX trades, currency conversion details, payment history, billing information, etc.

(3) Device & technical information: such as device model, operating system, unique device identifiers, IP address, browser type, mobile network information, log data, app version, crash reports, technical diagnostics, etc.

(4) Behavioral & usage information: such as service usage and interaction logs, clickstream and analytics data used to improve services, and customer support correspondence and notes.

(5) Information from other sources: we may obtain information about you from third parties such as banks, identity verification providers, fraud prevention services, or publicly available sources to verify identity, prevent fraud, and/or meet regulatory requirements.

2. How we use your information

We use the information we collect for purposes necessary to provide and improve our products and services, to meet legal and regulatory obligations, and where you have consented.

(1) Providing, operating and/or enabling the products and services: such as process transactions, open and manage virtual accounts (including multi-currency operations), execute FX trades, perform settlements and billing, etc.

(2) Account management & identity verification: such as KYC/AML checks, fraud prevention, and to verify your identity and eligibility to use the services, etc.

(3) Customer support: such as responding to requests, troubleshooting, and communicating important service messages, etc.

(4) Service improvement: analytics, performance monitoring, product development, personalized product recommendations, etc.

(5) Legal & compliance: such as to comply with laws, court orders, regulatory requests, sanctions screening, tax reporting and/or to cooperate with law enforcement, etc.

(6) Marketing (with your consent where required): such as sending promotional offers or service announcements; you may opt out of marketing communications at any time.

3. Information sharing and disclosure
We do not sell your personal information. We will only share necessary information and only under the following circumstances:
(a) With your consent: such as when you explicitly authorize (e.g., linking a bank account or integrating a third-party service).

(b) In accordance with laws, regulations or judicial requirements.

(c) When cooperating with service providers (such as banks or payment institutions), but only the necessary information will be shared.
(d) Aggregated & anonymized data: such as where we may use or share aggregated or de-identified information that cannot reasonably be used to identify you for analytics, research, or business purposes.

4. Information storage

Your data will be stored on servers that comply with legal requirements. Additionally, in general, your data will be stored within the time limit or requirement stipulated by the relevant laws and regulations. After the expiration of this period, the data will be deleted or anonymized.

5. Information security

We will adopt technical and administrative measures to protect your information. For example:

(1) Encrypted transmission and storage of data.

(2) Setting access rights and conducting regular reviews.

6. User Rights

Users may have the following rights to:

(a) Query or obtain a copy of the information.

(b) Correct inaccurate or incomplete information.

(d) Request an explanation of the data usage.

7. Cookies, tracking & analytics

We and our service providers use cookies, local storage and similar technologies to operate the services, improve performance, analyze usage, and present relevant content. You can manage cookie preferences through your browser or device settings and via any preference controls we provide.

We may use third-party analytics who may collect information about your use of the services. These third parties’ activities are governed by their own privacy policies.

8. Third-party services and links

Our services may contain links, integrated functions, and/or services and products with third-party websites, apps or services (for example, bank partners, payment gateways, social logins). This Policy does not apply to those third parties. We encourage you to read their privacy notices at your own time.

9. Changes to this Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by posting or updating the new Policy. Please review this page periodically for updates. Your continued use of the Services after changes indicates acceptance of the updated Policy.