Last Updated: February 2, 2026
At FNSTB, we are committed to protecting your privacy and safeguarding your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website, open an account, or use our financial services (collectively, the "Services").
By accessing or using our Services, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use our Services.
1. Information We Collect
We collect information that identifies, relates to, describes, or is reasonably capable of being associated with you ("Personal Information"). This may include:
- Personal Identifiers: Name, email address, phone number, date of birth, government-issued ID numbers (e.g., passport, national ID), and address.
- Financial Information: Bank account details, payment card information, transaction history, investment preferences, income, assets, and credit history (as needed for account opening, KYC/AML compliance, or service provision).
- Account and Profile Information: Username, password, security questions, and preferences.
- Device and Usage Information: IP address, browser type, device information, operating system, location data (approximate), pages visited, time spent, and interactions with our Services.
- Communications: Information from emails, chats, support tickets, or calls with our team.
2. How We Collect Information
- Directly from you when you register, complete forms, make transactions, or contact support.
- Automatically through cookies, web beacons, analytics tools, and server logs.
- From third parties such as credit bureaus, identity verification providers, payment processors, banks, and fraud prevention services (for compliance and security purposes).
3. How We Use Your Information
We use your Personal Information to:
- Provide, maintain, and improve our financial services, including account opening, payments, transfers, investments, and customer support.
- Verify your identity and comply with Know Your Customer (KYC), Anti-Money Laundering (AML), sanctions screening, and other regulatory requirements.
- Process transactions, prevent fraud, and enhance security.
- Communicate with you about your account, updates, promotions (where permitted), and respond to inquiries.
- Analyze usage trends to improve our platform and develop new features.
- Comply with legal obligations, resolve disputes, and enforce our agreements.
4. Sharing Your Information
We do not sell your Personal Information. We may share it with:
- Service providers (e.g., cloud hosting, analytics, payment processors, identity verification) who act on our behalf under strict confidentiality.
- Financial partners (banks, card networks, regulators) as required to deliver services or comply with law.
- Authorities if required by law, subpoena, court order, or to protect rights, safety, or property.
- In connection with business transfers (merger, acquisition, etc.), with notice where required.
5. Cookies and Tracking Technologies
We use cookies, pixels, and similar technologies to enhance functionality, analyze usage, personalize content, and deliver targeted ads (where applicable). You can manage preferences via your browser settings or our cookie banner. For more details, see our Cookie Policy (link if separate).
6. Data Security
We implement reasonable technical, administrative, and physical safeguards to protect your information from unauthorized access, loss, or misuse. However, no system is completely secure, and we cannot guarantee absolute security.
7. Your Rights and Choices
Depending on your location, you may have rights to:
- Access, correct, or delete your Personal Information.
- Opt out of certain sharing or marketing communications.
- Withdraw consent where processing is consent-based.
- Lodge complaints with supervisory authorities.
To exercise rights, contact us at support@fnstb.com or through your account settings.
8. International Transfers
Your information may be transferred to and processed in countries outside your jurisdiction, including where we or our providers operate. We use appropriate safeguards (e.g., standard contractual clauses) for such transfers.
9. Children's Privacy
Our Services are not directed to individuals under 18 (or the age of majority in your jurisdiction). We do not knowingly collect Personal Information from children.
10. Changes to This Privacy Policy
We may update this Policy from time to time. Changes will be posted here with an updated "Last Updated" date. Continued use after changes constitutes acceptance.
