Arena Fair – Privacy Policy

1. Who We Are and Scope

Arena Fair is a facilitator platform that helps you compare and initiate money transfers executed by third-party partners. We act as an intermediary technology platform, not a bank or money transmitter.

2. No Use by Minors

The Service is intended for users 18 years of age or older. We do not knowingly collect personal data from children under 18.

3. Changes to this Policy

We may update this Policy from time to time. If changes are material, we will indicate the effective date in-app and may notify you via email.

4. Information We Collect

• Registration & KYC: Name, contact details, date of birth, address, nationality; ID document and selfie for identity verification, as required by law/partners.
• Beneficiaries & Transactions: Recipient details, amounts, currencies, reason for transfer; transfer metadata (date/time, status, fees, exchange rate).
• Payment Information: Cardholder name, last four digits, tokenized references; bank account identifiers (e.g., IBAN). Full card numbers/CVV are not stored by us.
• Device & Usage: IP address, device identifiers, OS, app version, pages/screens viewed, session metrics via cookies/SDKs.
• Permissions: Camera (KYC), Location (fraud checks/UX), SMS (OTP auto-fill, if enabled), Contacts (only if you opt-in to import).

5. How We Use Your Information

• Provide and operate the Service, process transactions, and show quotes from partners.
• Verify identity and comply with AML/CFT and sanctions obligations.
• Communicate about transactions, security alerts, and service notices; send marketing only with your consent.
• Improve performance, reliability, and UX using aggregated analytics.
• Comply with legal obligations, enforce our Terms, and protect users and the Service.

6. Legal Bases (where applicable)

• Contract (to provide the Service).
• Legal obligation (e.g., AML/KYC, record-keeping).
• Legitimate interests (fraud prevention, service improvement).
• Consent (optional features and marketing).

7. How We Share Information

• Financial partners who execute the transfer you choose (we share only what's necessary).
• Payment processors and banks to collect funds and settle payments.
• Identity verification, fraud prevention, hosting, analytics, email/SMS providers operating as processors under contract.
• Corporate affiliates (if any) for internal administration on a need-to-know basis.
• Regulators, law enforcement, or courts when legally required or to protect rights.
• Business transfers (merger, acquisition).
• With your consent, and sharing of anonymized/aggregated data that does not identify you.

8. International Transfers

Your data may be processed outside your country (e.g., cloud/partners). We take steps to ensure appropriate safeguards.

9. Data Retention

We retain personal data as long as needed for the purposes above and to meet legal/AML record-keeping, typically 5–7 years for transaction records.

10. Your Rights and Choices

• Access, correction, deletion (subject to legal retention), restriction, and portability where applicable.
• Marketing opt-out via in-app settings or unsubscribe links.
• For EU/UK/California residents, additional rights may apply under GDPR/CCPA.

11. Cookies & SDKs

We use cookies on the website and analytics SDKs in the app. You can control cookies in your browser and limit certain tracking in device settings.

12. Security

We implement technical and organizational measures (TLS, encryption at rest where appropriate, access controls). No system is 100% secure; if a breach occurs, we will notify as required by law.

13. Contact Us

Email: support@arena-fair.com | Address: 1 HaNahal St., Ashkelon, Israel