Any users of the Website and/or products/services of the Company may be referred to for ease as "You" or "Your". Before using the Website or any of the products/services offered on the Website (the "Services") and/or by the Company, you must carefully read these Terms, Policies and Regulations which regulate your use of the Website and/or the products/services offered by the Company. If you do not agree with any of the clauses of these Terms, Policies and Regulations governing your use of the Website and/or the products/services offered by the Company, we kindly ask you to leave the Website.
User means an individual visiting the Website any.money and/or using the products/services of the Website and/or the Company.
User account means a user personal profile or a personal account, which is created after the registration on Any.Money.
Services mean products and services provided to the User on the website any.money or by Any.Money Company.
Regulatory Requirements mean any applicable law, statute, regulation, order, judicial decision, resolution, recommendation, rule, policy (including but not limited to KYC/AML/CTF Policy) or guidance adopted or issued by Parliament, the Government or any competent court or authority, or any payment system (including, but not limited to, bank payment systems, card payment systems such as Visa, MasterCard, or any other payment, clearing or settlement system, or similar agreement that is used to provide the Services.
2.2. The term "information" covers all personal data about you, more specifically any information that allows the Company to directly or indirectly identify you as an individual.
2.3. The protection of your personal data is the most important task for the Company, and we guarantee that we will ensure the protection of your data in accordance with the legislative requirements.
2.4. Personal data controller. The Company is the controller of the personal data provided by you and shall be responsible for the processing and storage of information.
2.5. The Company may collect information voluntarily provided by you during the Account registration and creation, in particular, first name, last name, email address, postal address, country of residence, phone number, date of birth, e-wallet address, taxpayer registration number, bank details, bank card information, personal information for conducting procedures of KYC/AML or CTF. Any information regarding your payments may be sent to a third party that ensures the implementation of transactions and deals.
2.6. We do not store your financial information in our systems, but we have access to your information, including the right to share such information with third parties, subject to the requirements of the law or this Policy.
2.8. If necessary, the Company may request additional information in accordance with the requirements of the legislation.
In order to verify the data provided by you, the Company may carry out requests through third-party service providers in order to prevent incorrect identification, fraud, suspicious activity, money laundering or any other prohibited activity, as well as the Company may take measures regarding the results of the inquiries we deem necessary. You hereby grant us your permission to make such requests, including an inquiry for information specified in your Account.
Notwithstanding the above, the Company may, at any time and at its sole discretion, deny you the opportunity to open an Account, limit the Account you may create and maintain, or suspend any transaction pending consideration by us of any information provided by you.
We may close the account of any User who does not comply with our verification inquiries or otherwise violates the above rules and/or Policies. Such User may be held liable for losses incurred by the Company or any third party due to violation of the rules of use of the Website and/or services.
2.9. We may also collect additional information from you or about you in other ways that are not specifically described herein. For example, we may collect information related to your communication with our customer service team or save the results of your responses to an inquiry, analysis of your website/product/service activity.
2.10. We store and process your personal information on specially protected specialized servers and protect it by maintaining physical, electronic and procedural guarantees in accordance with applicable laws. We use computer security tools such as firewalls and data encryption, we apply physical access control to our media and files, and we allow access to personal information only to those employees, who require it to carry out their duties.
3.1. Confidentiality of your account. You acknowledge that you are responsible for maintaining the confidentiality of your Account information, including your password, protecting your own Digital Currency, as well as for all actions and transactions occurring in your Account. You understand that any disclosure of your registration information may expose your Account to unauthorized access by third parties, which may result in the loss or theft of Digital Currency or funds from your Account, including related accounts, such as withdrawal details.
4.1. Use of KYC/CDD, AML and CTF procedures. As part of our commitment to combat financial crimes, fraud, scam, circumvention of sanctions, the Company has put in place procedures and systems aimed at enabling us to identify and mitigate risks, related to misuse of our Website and procedures/services. These include KYC/CDD, AML and CTF procedures based on the collection of information about our users, the assessment of AML/CTF risks associated with their activities, and continuous monitoring of their transactions.
Your personal data may be used for:
• processing transactions and sending notifications provided for by the Policies and/or applicable legislation about your transactions;
• dispute resolution, collection of payments and troubleshooting;
• sending you targeted marketing, notifications about service updates and promotional offers based on your preferences;
• providing services and customer support at your request/appeal;
• customizing, measuring and improving our services, as well as the content and appearance of our website;
• comparison of information for reliability and its verification by third parties;
• confirmation or refutation of violations of Regulatory Requirements and/or Policies.
If we have any suspicion that our business relationship with you or the particular transaction you wish to undertake involves any risk of money laundering, terrorist financing or any other financial crime or prohibited activity, we may, at our sole discretion, refuse to accept you as a customer, cease any interaction with you, refuse to process any transaction and take any other action we deem necessary, including reporting our suspicions to the competent authorities. We will not inform you of any such actions we decide to take, nor will we provide you with any explanation of our reasons for taking them or our suspicions.
5.1. We may share your personal data with:
- Individuals related to or associated with Any.Money;
- Banking partners and/or payment processing service providers;
- Contract service providers that assist in conducting our business operations (fraud prevention, bill collection, marketing, technology services). Our contracts indicate that these service providers use your information only in connection with the services they provide to us and not for their own benefit;
- in other cases provided for by applicable legislation.
5.2. Any.Money will not sell or allow the use of your personal data to third parties for their marketing purposes, but only share your personal data with third parties, as described in this policy
6.1. The rights of Users of the Website and/or products/services in connection with the provision of personal data to the Company.
In connection with the provision of personal information by you, the Company guarantees your rights regarding personal data, in particular:
- the right to ask the Company to update and correct incomplete, incorrect, irrelevant information;
- other actions within the requirements of the legislation on information protection.
6.2. In the course of data processing, you have the right to restrict the processing of your personal data in accordance with the procedure provided for by the applicable laws. However, in accordance with our legitimate interests, we may proceed with the processing of your data within a reasonable balance between your interests and those of the Company and in accordance with the applicable laws.
7.1. 7. Personal data protection. The Company shall take the necessary technical and organizational measures to protect your personal data in order to prevent unauthorized access and processing, damage, loss, abuse, and other illegal forms of processing of personal data provided to the Company.
8.1. When you visit our website, we or the companies we hire to track the use of our website may place small data files called cookies on your computer.
8.2. We encrypt our cookies so that only we can interpret the information stored in them. You can opt out of our cookies if your browser allows it. We may also collect information about your computer or other access device to reduce risk and prevent fraud.