Digital Online Innovations ("we," "us," or "our") is a fintech-focused software development company committed to protecting the privacy and security of our users' personal and financial data. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you interact with our services, including our websites, mobile applications, APIs, and other software solutions (collectively, the "Services").
By accessing or using our Services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Services.

We may collect the following types of information:

A. Personal Information

Contact Details: Name, email address, phone number, mailing address.
Identity Verification: Government-issued ID, date of birth, Social Security Number (SSN) or Tax ID (where required for compliance).
Financial Data: Bank account details, payment card information, transaction history, credit reports (where applicable).
Employment/Business Information: Employer details, business registration documents, income verification.

B. Technical & Usage Data
Device Information: IP address, browser type, operating system, device identifiers.
Log Data: Timestamps, access times, pages viewed, clickstream data.
Cookies & Tracking Technologies: We use cookies, and similar technologies to enhance user experience and security.

C. Third-Party Data
We may receive information from financial institutions, credit bureaus, identity verification services, and business partners to comply with regulations (e.g., KYC, AML) and improve our Services.

We may collect the following types of information:

A. Personal Information

-Contact Details: Name, email address, phone number, mailing address.
-Identity Verification: Government-issued ID, date of birth, Social Security Number (SSN) or Tax ID (where required for compliance).
-Financial Data: Bank account details, payment card information, transaction history, credit reports (where applicable).
-Employment/Business Information: Employer details, business registration documents, income verification.

B. Technical & Usage Data
-Device Information: IP address, browser type, operating system, device identifiers.
-Log Data: Timestamps, access times, pages viewed, clickstream data.
-Cookies & Tracking Technologies: We use cookies, and similar technologies to enhance user experience and security.

C. Third-Party Data
We may receive information from financial institutions, credit bureaus, identity verification services, and business partners to comply with regulations (e.g., KYC, AML) and improve our Services.

We process your data for the following purposes:

-To provide, maintain, and improve our Services.
-To verify identity and comply with legal obligations (e.g., anti-fraud, KYC, AML).
-To process transactions and facilitate payments.
-To communicate with you (e.g., customer support, updates, security alerts).
-To personalize user experience and develop new features.
-To detect, prevent, and investigate fraud, security breaches, or illegal activities.
-For analytics and business intelligence (aggregated/anonymized where possible).

We may disclose your information in the following cases:

-Service Providers: Third-party vendors (e.g., cloud hosting, payment processors, acquirers, KYC providers) who assist in delivering our Services.
-Legal & Regulatory Compliance: When required by law (e.g., court orders, tax authorities, financial regulators).
-Business Transfers: In case of mergers, acquisitions, or asset sales (with confidentiality protections).
-Consent: With your explicit permission for specific purposes.
We do not sell your personal data to third-party advertisers.

We implement industry-standard security measures, including:

-Encryption (TLS/SSL for data in transit, AES-256 for data at rest).
-Multi-factor authentication (MFA) and access controls.
-Regular security audits and vulnerability assessments.
-Employee training on data protection best practices.
Despite these measures, no system is 100% secure. You are responsible for safeguarding your login credentials.

We retain personal data only as long as necessary for:

-Fulfilling the purposes outlined in this policy.
-Complying with legal, tax, or regulatory requirements.
-Resolving disputes or enforcing agreements.

Anonymized data may be retained indefinitely for analytics.

Depending on your jurisdiction (e.g., GDPR, CCPA), you may have the right to:

-Access, correct, or delete your personal data.
-Restrict or object to processing.
-Data portability (request a copy of your data in a structured format).
-Withdraw consent (where applicable).
-Lodge a complaint with a data protection authority.

To exercise these rights, contact us at hello@digitalinnovations.com. We may verify your identity before processing requests.

If we transfer data outside your country, we ensure adequate safeguards.

Our Services are not intended for users under 18. We do not knowingly collect children’s data.

We may update this Privacy Policy periodically. Continued use of our Services constitutes acceptance of the revised policy.

For questions or requests regarding this Privacy Policy, please contact:

Digital Innovations
hello@digitalinnovations.com