Privacy Policy

To deliver regulated digital banking services, satisfy global Anti-Money Laundering (AML) mandates, and prevent fraudulent transactions, we collect the following categories of data:

• Identity & Demographic Data: Full legal name, date of birth, nationality, residential address, tax identification numbers (SSN/TIN), and government-issued photo identification (passport, national ID).
• Financial & Transactional Records: Account balances, inflow/outflow transaction history, linked correspondent accounts, card authorizations, and source of funds documentation.
• Technical & Telemetry Data: IP address, browser user-agent, operating system, geolocation coordinates, device hardware fingerprints, and session telemetry.
• Biometric Verification: Facial selfie biometric geometry utilized strictly for one-time liveness verification during onboarding and high-risk authentication.

We process personal information under strict legal bases recognized by the European General Data Protection Regulation (GDPR Art. 6) and comparable international standards:

• Contractual Execution: Facilitating transfers, card transactions, account management, and customer support.
• Statutory Compliance: Satisfying mandatory financial obligations, including sanctions screening, AML/CTF reporting, and central bank directives.
• Legitimate Interests: Hardening our infrastructure against cyber assaults, identifying malicious botnets, and improving system efficiency.

Yoventra does not sell, rent, or trade customer information to commercial marketing brokers. We share data only with:

• Accredited payment processing networks (Visa, Mastercard, SWIFT, SEPA).
• Identity verification & KYC screening partners certified under SOC 2 Type II standards.
• Judicial or regulatory authorities upon receipt of a valid, enforceable court order or subpoena.

Subject to applicable banking retention laws, you maintain the right to:

• Access and export a machine-readable copy of your personal financial dossier.
• Request correction of inaccurate or incomplete personal information.
• Request deletion of non-statutory data upon account closure.
• Object to automated profiling or withdraw optional marketing consent at any time.