Privacy Policy

BLUE FINANCIAL SERVICES is committed to protecting your personal data. This Privacy Policy explains what data we collect, why we collect it, how we use and protect it, and your rights under applicable data protection laws including GDPR.

We collect: identity information (name, date of birth, nationality), contact information (email, phone, address), identity verification documents (ID, proof of address), financial data (transaction history, balances), device and usage data (IP address, browser, app version), and communication records (support tickets).

We use your data to: provide and maintain our Services, verify your identity (KYC/AML obligations), process transactions, prevent fraud and money laundering, improve our products and services, communicate service updates, and comply with legal obligations.

We process your data based on: contractual necessity (to provide the Services), legal obligations (KYC, AML, tax reporting), legitimate interests (fraud prevention, service improvement), and your consent (marketing communications, analytics).

We share data with: our regulated banking and payment partners (to process transactions), identity verification providers (SumSub for KYC), compliance monitoring providers (Flagright for AML), card issuing partners, and regulators when required by law. We never sell your personal data.

We retain your data for as long as your account is active, plus the retention period required by applicable financial regulations (typically 5-7 years after account closure for transaction records). Identity verification records are retained as required by AML regulations.

We protect your data with industry-standard encryption, strict access controls, and full audit logs. We undergo regular independent security assessments.

Under GDPR and applicable laws, you have the right to: access your personal data, correct inaccurate data, request deletion (subject to legal retention requirements), restrict processing, data portability, object to processing, and withdraw consent. Contact privacy@bluefinancialservices.eu to exercise your rights.

Your data may be transferred to and processed in countries outside your country of residence, including within the EU, UAE, and West Africa. We ensure appropriate safeguards (Standard Contractual Clauses, adequacy decisions) are in place for all international transfers.

For privacy inquiries: privacy@bluefinancialservices.eu. You also have the right to lodge a complaint with your local data protection authority.