Privacy Policy

The Reserve Bank App (“Reserve Bank,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and related services (collectively, the “Services”).

By accessing or using the Services, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of the Services.

1. Information We Collect

We may collect the following categories of information:

Personal Information: Name, email address, phone number, date of birth, government-issued ID (for KYC/AML purposes).
Financial Information: Bank account details, wallet addresses, payment card information, and transaction history.
Technical Information: Device type, operating system, browser, IP address, log files, and cookies.
Usage Data: How you interact with the app, features used, time spent, and preferences.

2. How We Use Your Information

We use collected information to:

Provide and improve the Services.
Process transactions, including fiat and digital asset payments.
Comply with U.S. and international financial regulations (SEC, Federal Reserve, DoS, and other authorities where applicable).
Conduct identity verification, fraud detection, and anti-money laundering (AML) monitoring.
Send you important updates about your account, security alerts, and service changes.
Personalize your experience and enhance app performance.

3. How We Share Information

We may share information in the following circumstances:

With Regulators and Authorities: To comply with applicable laws, regulations, and lawful requests.
With Financial Partners: Banks, payment processors, and blockchain infrastructure providers who help us operate.
With Service Providers: Third-party vendors providing security, analytics, or operational support.
In Corporate Events: If we merge, acquire, or sell part of our business.

We never sell your personal information to marketers.

4. Data Security

We implement bank-grade safeguards, including:

Encryption of data in transit and at rest.
Multi-factor authentication for account access.
Continuous monitoring for fraudulent activity.

While we take all reasonable measures, no method of transmission over the internet or storage is 100% secure.

5. International Transfers

Your data may be transferred to and processed in jurisdictions outside your home country. We ensure appropriate safeguards are in place to protect your information wherever it is processed.

6. Your Rights

Depending on your jurisdiction, you may have the right to:

Access, correct, or delete your personal data.
Restrict or object to certain processing.
Request a copy of your data in portable format.

To exercise these rights, contact us at info@reservebankapp.com.

7. Children’s Privacy

Our Services are not directed to individuals under 18. We do not knowingly collect personal information from minors. If we become aware of such collection, we will delete it.

8. Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised “Effective Date.” We encourage you to review it regularly.