Privacy Policy

Introduction

MSB Financial Ltd ("MSB", "we", "us", "our") is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

This is a template document for development purposes only. It must be reviewed by qualified legal counsel before use in a production environment.

Data Controller

MSB Financial Ltd is the data controller for personal data collected through our services. Our registered address is 123 Finance Street, London, EC1A 1BB, United Kingdom.

Information We Collect

Information You Provide

• Account information: Name, email address, phone number, date of birth, nationality
• Identity documents: Passport, national ID, or other government-issued identification
• Address information: Residential address and proof of address documents
• Financial information: Bank account details, source of funds, employment information
• Communications: Messages you send us via our contact form or support channels

Information Collected Automatically

• Usage data: Pages visited, features used, time spent on platform
• Device information: IP address, browser type, operating system
• Cookies: See our Cookie Policy for details

Information from Third Parties

• Identity verification providers: KYC/AML check results from our verification partners
• Fraud prevention services: Risk scores and watchlist checks

How We Use Your Information

We use your personal data to:

• Provide our services: Open and manage your account, process transactions
• Comply with legal obligations: AML/KYC requirements, regulatory reporting, sanctions screening
• Communicate with you: Account notifications, service updates, support responses
• Improve our services: Analytics, troubleshooting, product development
• Prevent fraud: Detect and prevent unauthorised access and fraudulent activity
• Marketing (with consent): Promotional communications where you have opted in

Legal Basis for Processing

We process your data on the following legal bases:

• Contract performance: Processing necessary to provide the services you have requested
• Legal obligation: Processing required by AML, KYC, tax, and other regulatory requirements
• Legitimate interests: Fraud prevention, security, service improvement
• Consent: Marketing communications (where applicable)

Data Sharing

We may share your data with:

• Regulators and law enforcement: Where required by law or court order
• Identity verification providers: For KYC/AML compliance
• Payment processors and banking partners: To execute transactions
• IT and infrastructure providers: Cloud hosting, data storage
• Professional advisors: Legal, accounting, and compliance advisors

We do not sell your personal data to third parties.

Data Retention

We retain your data for as long as necessary to provide our services and comply with legal obligations. After account closure, we retain records for a minimum of 5 years as required by AML regulations.

Your Rights

Under applicable data protection law, you have the right to:

• Access: Request a copy of your personal data
• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your data (subject to legal obligations)
• Restriction: Limit how we process your data
• Portability: Receive your data in a machine-readable format
• Object: Object to processing based on legitimate interests
• Withdraw consent: Where processing is based on consent

To exercise your rights, contact us at privacy@msb.com.

Cookies

We use cookies and similar technologies as described in our Cookie Policy.

International Transfers

Where we transfer your data outside the UK or EEA, we ensure appropriate safeguards are in place, including Standard Contractual Clauses.

Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction.

Changes to This Policy

We may update this Privacy Policy. We will notify you of material changes by email or through the platform.

Contact Us

For privacy-related queries, contact our Data Protection Officer at privacy@msb.com.

Complaints

You have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.