Privacy Policy

BeeLocal Ltd. ("BeeLocal," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our services, website, or mobile applications. By using our Services, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use our Services.

We collect the following types of information: Personal Information: • Full name and date of birth • Government-issued identification documents • Address and contact information (email, phone number) • Financial information (bank account details, card information) • Employment and income information (for certain services) Transaction Information: • Transfer amounts, recipients, and destinations • Payment methods and transaction history • Currency exchange details Technical Information: • Device information (type, operating system, unique identifiers) • IP address and location data • Browser type and settings • App usage data and analytics Communication Data: • Customer support interactions • Feedback and survey responses • Marketing preferences

We use your information for the following purposes: Service Delivery: • Process money transfers and payments • Verify your identity and prevent fraud • Manage your account and provide customer support • Send transaction confirmations and updates Legal Compliance: • Comply with anti-money laundering (AML) regulations • Meet know-your-customer (KYC) requirements • Respond to legal requests and court orders • Report suspicious activities as required by law Service Improvement: • Analyze usage patterns to improve our Services • Develop new features and products • Conduct research and analytics • Personalize your experience Marketing (with consent): • Send promotional offers and updates • Conduct surveys and collect feedback • Provide relevant product recommendations

We may share your information with: Service Providers: • Banks and financial institutions processing your transfers • Payment processors and card networks • Identity verification services • Cloud hosting and data storage providers • Customer support platforms Legal Requirements: • Government agencies and regulators • Law enforcement when required by law • Courts in response to valid legal process Business Partners: • Affiliate partners for referral programs • Marketing partners (with your consent) • Analytics providers We do not sell your personal information to third parties for their marketing purposes.

We implement robust security measures to protect your information: Technical Safeguards: • 256-bit SSL/TLS encryption for data in transit • AES-256 encryption for data at rest • Multi-factor authentication • Regular security audits and penetration testing Operational Security: • Access controls and employee training • Incident response procedures • Regular backup and disaster recovery • Secure data centers with physical security Despite our efforts, no system is completely secure. We cannot guarantee absolute security of your information.

We retain your information for as long as necessary to: • Provide our Services and maintain your account • Comply with legal obligations (typically 5-7 years for financial records) • Resolve disputes and enforce our agreements • Meet regulatory requirements When you close your account, we will delete or anonymize your personal information, except where retention is required by law.

Depending on your jurisdiction, you may have the following rights: Access: Request a copy of your personal information Correction: Update or correct inaccurate information Deletion: Request deletion of your personal information Portability: Receive your data in a portable format Objection: Object to certain processing activities Restriction: Request limited processing of your data Withdrawal: Withdraw consent for marketing communications To exercise these rights, contact us at privacy@beelocal.app. We will respond within 30 days.

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place: • Standard Contractual Clauses approved by relevant authorities • Data Processing Agreements with all service providers • Compliance with applicable data transfer frameworks By using our Services, you consent to the transfer of your information to other countries.

We use cookies and similar technologies to: • Keep you logged in and remember your preferences • Analyze how you use our Services • Provide personalized content and advertising • Prevent fraud and enhance security You can manage cookie preferences through your browser settings or our cookie preference center. See our Cookie Policy for more details.

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will delete it promptly.

We may update this Privacy Policy from time to time. We will notify you of material changes by: • Email notification to your registered address • Prominent notice on our website or app • In-app notification Your continued use of our Services after changes take effect constitutes acceptance of the updated policy.

For privacy-related questions or to exercise your rights: Data Protection Officer BeeLocal Ltd. 123 Financial Street London, EC2A 1AA United Kingdom Email: privacy@beelocal.app Phone: +44 20 1234 5678 For EU residents, you may also contact your local data protection authority.