Privacy Policy

1. Introduction

Relier Group, LLC ("Relier," "we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://relier.group and use our services.

2. Information We Collect

2.1 Personal Information

We collect information that identifies, relates to, or could reasonably be linked with you, including:

• Identity Data: Full legal name, date of birth, government-issued ID numbers
• Contact Data: Email address, phone number, mailing address
• Financial Data: Bank account information, payment card details, transaction history
• Business Data: Company name, business registration numbers, tax identification
• Technical Data: IP address, browser type, device information, cookies
• Usage Data: How you interact with our website and services

2.2 Sensitive Information

For compliance purposes, we may collect:

• Government-issued identification documents (passport, driver's license)
• Social Security Numbers or Tax Identification Numbers (as required by law)
• Biometric data (for enhanced verification, with explicit consent)

3. How We Collect Information

We collect information through:

• Direct interactions: When you register for an account, make transactions, or contact us
• Automated technologies: Cookies, web beacons, and similar tracking technologies
• Third parties: Verification services, payment processors, business partners
• Public sources: Sanctions lists, business registries, public databases

4. How We Use Your Information

We use your personal information for the following purposes:

4.1 Legal and Compliance Obligations

• Verify your identity (KYC/Know Your Customer)
• Prevent money laundering and terrorist financing (AML)
• Screen against sanctions lists and politically exposed persons (PEP) databases
• Comply with the USA PATRIOT Act, Bank Secrecy Act, and FATF recommendations
• Report suspicious activities to regulatory authorities

4.2 Service Delivery

• Process transactions and payments
• Provide customer support
• Send service notifications and updates
• Manage your account and preferences

4.3 Business Operations

• Improve our services and website
• Conduct analytics and research
• Detect and prevent fraud
• Protect against security threats

5. Legal Basis for Processing (GDPR)

For users in the European Economic Area (EEA), we process your personal data based on:

• Legal Obligation: Compliance with AML, KYC, and financial regulations
• Contract Performance: To provide services you've requested
• Legitimate Interests: Fraud prevention, security, business analytics
• Consent: For marketing communications and optional features (you may withdraw at any time)

6. How We Share Your Information

We may share your information with:

6.1 Service Providers

• Payment processors (e.g., CSQ, Blackhawk)
• Identity verification services
• Telecom partners (e.g., Telefónica México)
• Cloud hosting providers
• IT security services

6.2 Legal and Regulatory Authorities

• Law enforcement agencies (when required by law)
• Financial regulators (FinCEN, OFAC, etc.)
• Tax authorities
• Courts and legal processes

6.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the successor entity.

7. Data Security

We implement industry-standard security measures including:

• Encryption in transit (TLS/SSL) and at rest (AES-256)
• Multi-factor authentication
• Regular security audits and penetration testing
• Access controls and employee training
• Incident response and breach notification procedures

8. Data Retention

We retain your personal information for:

• Active accounts: Duration of the business relationship
• Closed accounts: Minimum 5 years after closure (as required by AML/KYC regulations)
• Transaction records: 7 years (tax and financial regulations)
• Marketing data: Until you withdraw consent or request deletion

9. Your Privacy Rights

9.1 General Rights

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion (subject to legal retention requirements)
• Portability: Receive your data in a machine-readable format
• Objection: Object to certain processing activities

9.2 GDPR Rights (EEA Residents)

• Right to restriction of processing
• Right to lodge a complaint with a supervisory authority
• Right to withdraw consent at any time

9.3 CCPA Rights (California Residents)

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of sale (we do not sell personal information)
• Right to non-discrimination for exercising privacy rights

10. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Essential cookies: Enable core website functionality
• Analytics cookies: Understand website usage and performance
• Preference cookies: Remember your settings

You can control cookies through your browser settings. Disabling cookies may affect website functionality.

11. International Data Transfers

We are based in the United States. If you are accessing our services from outside the U.S., your information will be transferred to and processed in the United States. We ensure appropriate safeguards are in place, including:

• Standard Contractual Clauses (EU)
• Adequacy decisions by relevant authorities
• Binding corporate rules

12. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected information from a child under 18, we will delete it promptly.

13. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. Please review their privacy policies before providing any information.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending email notification to registered users
• Displaying a prominent notice on our website

15. Contact Us

For questions, concerns, or to exercise your privacy rights, contact:

16. Supervisory Authority

If you are located in the EEA and believe we have not addressed your concerns, you have the right to lodge a complaint with your local data protection supervisory authority.