Privacy Policy

1. General Information

The website grow.finance (the "Website") is developed and managed by Grow Finance (the "Company").

Users of the Website and/or the Company's products/services may be referred to for convenience as "You" or "Your." Before using the Website or any products/services offered on the Website (the "Services") by the Company, please carefully review these Terms, Policies, and Regulations which govern your use of the Website and the Company's Services. If you do not agree with any part of these Terms, Policies, and Regulations, we respectfully request that you exit the Website.

We advise you to read the Privacy Policy thoroughly.

By continuing to access this Website and/or registering to use the Company's products/services, you acknowledge and confirm that you have read, understood, and agree to abide by these Terms, Policies, and Regulations. The Website's Privacy Policy details the handling and collection of personal information by visitors ("Information").

Definitions:

- User: Refers to an individual who visits the Website grow.finance and/or utilizes the products/services of the Website or the Company.

- User Account: Denotes a personal profile or account established by a user upon registration on Grow Finance.

- Services: Refer to the products and services offered to the User on the website grow.finance or by the Grow Finance Company.

- Regulatory Requirements: Comprises any relevant law, statute, regulation, decree, court decision, recommendation, rule, policy (including but not limited to KYC/AML/CTF Policy) or directive issued by any legislative body, government entity, competent court or authority, or any payment system (including bank payment systems, card payment systems like Visa, MasterCard, or any other payment, clearing or settlement system, or a similar agreement used in delivering the Services).

- Policies/Policy: Pertains to the policies and guidelines governing the provision of products/services, including but not limited to, Client Risk Management Policies, Anti-Money Laundering and Terrorism Financing, sanctions, and nations (AML/CTF & KYC & SANCTIONS & COUNTRY POLICY, Privacy policy), etc.

2. Procedures for Collection, Storage, and Processing of Personal and User Information

2.1. Grow Finance, following its Privacy Policy, reserves the right to collect personal information from individuals visiting the Company's Website. It informs about the purposes and methods of utilizing the Information and grants rights for overseeing how the Company uses and stores personal information about its visitors.

2.2. The term "information" encompasses all personal details about you. More specifically, any data that allows the Company to either directly or indirectly identify you.

2.3. Protecting your personal information is the Company's top priority. We assure you that we will safeguard your data in line with legal standards.

2.4. Personal Data Controller: The Company is the primary handler of the personal data you provide and holds accountability for its processing and storage.

2.5. The Company may gather information you willingly share during Account creation, such as your full name, email, postal address, residency country, phone number, date of birth, e-wallet address, tax number, bank details, card information, and personal data needed for KYC/AML or CTF procedures. Any details about your transactions might be forwarded to a third-party ensuring the execution of transactions.

2.6. While we don't store your financial data in our systems, we can access and share such data with third parties if legally required or under this Policy.

2.7. The Company might gather more details about your device and usage of services (like device network connection, IP address, geolocation) as per the Privacy Policy, upon your prior consent. Registering on the website, connecting to our telegram-bot, or using our products/services will be considered as your consent to this data collection, processing, storage, and third-party sharing as mandated by this Policy and relevant laws.

2.8. The Company might ask for additional data as per legal requirements. To validate your provided details, we might liaise with third-party service providers to prevent misidentification, fraud, suspicious actions, money laundering, or other illegal activities. We may also implement measures based on the results of these checks. By using our services, you permit us to make these inquiries, including those related to your Account details.

Nevertheless, the Company can deny you Account creation, limit your Accounts, or pause any transactions pending our review of your provided information. We might terminate the accounts of users who don't cooperate with our verification process, breach these guidelines, or other Policies. Such users could be accountable for damages incurred by the Company or third parties due to these violations.

2.9. We might gather more information from or about you in methods not specifically outlined here. For instance, we may document your interactions with our support team or record your feedback to a survey, or analyze your website/product/service usage.

2.10. Your personal data is stored and managed on specially shielded servers. We protect it by enforcing physical, electronic, and procedural measures aligned with applicable regulations. Our security protocols include tools like firewalls and data encryption, physical access limitations to our infrastructure, and restricting personal data access to only those employees who need it for their job roles.

3. Confidentiality

3.1. Account Confidentiality: You recognize and agree that you're responsible for keeping the privacy of your Account details, including your password, and for safeguarding your Digital Currency. Furthermore, you're accountable for all actions and transactions happening within your Account. You're aware that revealing your registration data can lead to unauthorized third-party access to your Account, potentially causing the loss or theft of Digital Currency or funds, including from associated accounts such as withdrawal details.

4. Data Collection for Implementing AML/CTF, KYC/CDD Policies and Procedures

4.1. Application of KYC/CDD, AML, and CTF Procedures: As part of our effort to counter financial crimes, fraud, scams, and the bypassing of sanctions, we've established specific processes and systems. These are designed to allow us to recognize and reduce risks connected with the misuse of our Website and its services/procedures. These measures encompass KYC/CDD, AML, and CTF procedures rooted in gathering user information, assessing AML/CTF risks linked with their actions, and continually observing their transactions.

Your personal information may be utilized for:

• Conducting transactions and dispatching notifications as mandated by the Policies and/or applicable regulations concerning your transactions;

• Resolving disputes, collecting payments, and troubleshooting issues;

• Sending targeted marketing, updates on service changes, and promotional offers based on your preferences;

• Deterring potential illicit or prohibited activities and guaranteeing adherence to our User Agreement;

• Delivering services and customer assistance upon your request;

• Adapting, evaluating, and enhancing our offerings, as well as tailoring the design and content of our website;

• Comparing details for accuracy and verifying it with third parties;

• Confirming or negating infringements of Regulatory Requirements and/or Policies.

If we suspect that our association with you or a specific transaction you aim to execute poses a risk of money laundering, terrorist funding, or any other fiscal crime or forbidden action, we reserve the right to decline you as a client, halt any interaction, reject any transaction, and take any measures we consider necessary. This might include reporting our suspicions to appropriate authorities. We won't notify you of such actions or provide any explanation for our decisions or concerns.

To conduct these assessments, we might collect certain personal data from you and external sources. All information related to you will be stored and managed in line with our Privacy Policy.

5. Sharing Information with Third Parties

5.1. We might disclose your personal details to:

- Entities affiliated or connected with Any.Money;

- Banking partners and/or payment service providers;

- Third-party service providers aiding us in our business operations such as fraud prevention, bill collection, marketing, and technological services. Our contracts mandate that these providers handle your data solely in relation to the services they render to us, and not for their own advantage;

- Entities we intend to merge with or acquire. In such scenarios, the newly combined entity would adhere to this Privacy Policy concerning your personal data. Should there be any deviation from this Policy concerning your data, you will be informed in advance;

- Other circumstances as determined by applicable laws.

5.2. Any.Money pledges not to sell or permit your personal data's utilization by third parties for their marketing intents, but only to disclose your details with third parties as detailed in this policy.

6. User Rights

6.1. User rights pertaining to their personal data submission to the Company include:

- The entitlement to prompt the Company for the modification and correction of incomplete, erroneous, or irrelevant data;

- Other measures in alignment with the data protection legislative requirements.

6.2. During the data handling process, you reserve the right to limit your personal data's processing as prescribed by the relevant regulations. Nonetheless, weighing our lawful interests, we might continue to process your data, balancing judiciously between your concerns and the Company's, in alignment with prevailing regulations.

7. Protection of Personal Data

7.1. The Company commits to implementing essential technical and organizational safeguards to shield your personal details against unauthorized access, manipulation, damage, loss, misuse, and other illicit processing modalities.

8. Cookies

8.1. When browsing our site, either we or third-party entities we commission for tracking our website's usage might deploy small data packets known as 'cookies' onto your device.

8.2. We encrypt our cookies to ensure only we can decode the data they contain. If your web browser permits, you can decline our cookies. Additionally, we might accumulate details about your computer or other devices to minimize risks and prevent fraudulent activities.