Marbella Bank ("we," "our," or "us") is committed to protecting the privacy of our users. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our mobile wallet app, available for download on various platforms. By using our services, you agree to the collection and use of your data as described in this policy.

1. Introduction

1.1 Marbella Bank is a mobile wallet application that allows users to store, transfer, and manage digital currencies, bank accounts, and make secure transactions. This Privacy Policy applies to all data collected through the Marbella Bank mobile app, website, and related services.

1.2 This policy explains how we handle your personal information, your rights over it, and the steps we take to protect it.

2. Information We Collect

We collect personal data to provide you with the best possible service. The information we collect includes:

2.1 Personal Identification Information:

• Full name
• Email address
• Phone number
• Address (billing and shipping)
• Government-issued identification (e.g., passport, driver's license) for KYC (Know Your Customer) verification

2.2 Transactional Data:

• Details of transactions you make using the app (e.g., payment details, transaction amounts, recipient details, and date/time of transactions)

2.3 Financial Data:

• Bank account details, payment card numbers, and other financial information you provide to fund your wallet or make transactions.

2.4 Usage Data:

• Information about how you use our app, including your interactions with features, services, and content. This may include device type, operating system version, IP address, app version, and crash logs.

2.5 Location Data:

• Geolocation information may be collected if you enable location-based features.

3. How We Collect Information

We collect information from you in the following ways:

3.1 Directly from You:
When you register for an account, verify your identity, complete a transaction, or use other services in the app.

3.2 Automatically via the App:
When you use the app, we automatically collect certain technical data about your device and app usage, such as device identifiers, IP address, and usage statistics.

3.3 From Third Parties:
We may also collect data from trusted third-party services like payment processors, banks, or identity verification services to validate your information and prevent fraud.

4. How We Use Your Information

We use the personal data we collect for the following purposes:

4.1 To Provide and Improve Our Services:

• To process and complete transactions
• To manage your account and verify your identity (KYC/AML compliance)
• To improve the functionality and performance of our app
• To provide customer support

4.2 For Marketing and Communication:

• To send you promotional emails, updates, and notifications related to the app
• To offer personalized services and content based on your preferences

4.3 For Legal and Regulatory Compliance:

• To comply with legal obligations, including anti-money laundering (AML) and fraud prevention
• To respond to subpoenas, legal processes, or regulatory inquiries

4.4 For Security:

• To monitor and detect potential fraudulent activities
• To maintain the security and integrity of our systems and services

5. Data Sharing and Disclosure

We will not sell or rent your personal data to third parties. However, we may share your information in the following situations:

5.1 With Service Providers:
We may share your information with third-party service providers who perform services on our behalf, such as payment processors, cloud hosting providers, and email services. These service providers are obligated to protect your data and only use it for the purposes we specify.

5.2 For Legal Requirements:
We may disclose your information to government authorities or regulatory agencies if required by law or to comply with legal obligations.

5.3 For Business Transfers:
In the event of a merger, acquisition, or sale of assets, your personal data may be transferred as part of the transaction.

6. Data Security

6.1 We employ a variety of security measures to protect your personal data, including encryption, firewalls, and secure server technologies.

6.2 While we strive to protect your data, no method of electronic transmission or storage is completely secure, and we cannot guarantee the absolute security of your data.

7. Your Data Protection Rights

Depending on your location, you may have the following rights regarding your personal data:

7.1 Right to Access:
You have the right to request a copy of the personal data we hold about you.

7.2 Right to Rectification:
You can request corrections to any inaccurate or incomplete personal data we hold.

7.3 Right to Erasure:
You can request the deletion of your personal data, subject to legal obligations or legitimate business interests.

7.4 Right to Restriction of Processing:
You have the right to request that we restrict the processing of your data under certain circumstances.

7.5 Right to Data Portability:
You can request that we transfer your personal data to another service provider in a structured, commonly used, and machine-readable format.

7.6 Right to Object:
You can object to the processing of your personal data in certain circumstances, including for marketing purposes.

To exercise your rights, please contact us at mail@marbellabank.com. We will respond to your request in accordance with applicable laws.

8. Retention of Your Information

We will retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law, whichever is longer. Once the data is no longer needed, it will be securely deleted or anonymized.

9. Children’s Privacy

Our services are not intended for children under the age of 18. We do not knowingly collect personal data from children. If we become aware that we have collected data from a child, we will take steps to delete that data immediately.

10. International Data Transfers

If you are located outside of the country in which we operate (the United Kingdom), your personal data may be transferred to and stored in countries that may not have the same data protection laws. By using our services, you consent to this transfer and storage of your data.

11. Updates to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Effective Date." We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: mail@marbellabank.com
Business Registration: Marbella Bank Ltd., London, UK