Privacy Policy

Neuralvaultonline ("we," "our," or "us") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our website, mobile application, and banking services (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with our policies and practices, please do not use our Services.

1. Information We Collect

We collect several types of information from and about users of our Services, including:

Personal Identification Information:

• Full name, date of birth, and nationality
• Government-issued identification numbers (passport, driver's license, state ID)
• Contact information including email address, phone number, and physical address
• Photographs and biometric data for identity verification

Financial Information:

• Bank account details and transaction history
• Credit/debit card information
• Income, employment, and source of funds information
• Tax identification numbers (SSN/EIN)

Technical and Usage Data:

• IP address, browser type, and device information
• Login credentials and account activity
• Geolocation data
• App usage statistics and feature interactions

2. How We Use Your Information

We use the collected information for the following purposes:

• Service Delivery: To process transactions, maintain your account, and provide banking services
• Identity Verification: To comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations under the USA PATRIOT Act
• Security: To detect and prevent fraud, unauthorized access, and other illegal activities
• Communication: To send account notifications, service updates, and respond to inquiries
• Improvement: To analyze usage patterns and improve our Services
• Legal Compliance: To comply with applicable US federal and state laws, regulations, and legal processes

3. Legal Basis for Processing

Our legal basis for processing your personal data includes:

• Contractual Necessity: Processing necessary to provide our banking services
• Legal Obligation: Compliance with US financial regulations including BSA/AML requirements
• Legitimate Interests: Improving our services and protecting against fraud
• Consent: Where you have given explicit consent for specific processing activities

4. Data Sharing and Disclosure

We may share your personal information with:

• Service Providers: Third-party vendors who assist us in providing banking services, payment processing, identity verification, and IT support
• Regulatory Authorities: Federal and state government agencies, law enforcement, and regulatory bodies as required by law
• Business Transfers: In the event of a merger, acquisition, or sale of assets

We do NOT sell your personal information to third parties for marketing purposes.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law. Financial transaction records are typically retained for a minimum of 5 years to comply with US regulatory requirements. When your data is no longer needed, we securely delete or anonymize it.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• 256-bit SSL/TLS encryption for all data transmission
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• SOC 2 Type II certified information security management
• PCI DSS Level 1 compliance for payment card data
• Strict access controls and employee training

While we strive to protect your personal information, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security.

7. Your Rights

Under applicable US federal and state data protection laws, you have the following rights:

• Right of Access: Request a copy of your personal data
• Right to Rectification: Correct inaccurate or incomplete data
• Right to Erasure: Request deletion of your data ("right to be forgotten") where applicable
• Right to Restrict Processing: Limit how we use your data
• Right to Data Portability: Receive your data in a machine-readable format
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent at any time

To exercise any of these rights, please contact us at [email protected]. We will respond within 30 days. You also have the right to lodge a complaint with the appropriate regulatory authority.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device that help us remember your preferences and understand how you use our Services.

Types of cookies we use:

• Essential Cookies: Required for basic website functionality and security
• Functional Cookies: Remember your preferences and settings
• Analytics Cookies: Help us understand how visitors interact with our website
• Marketing Cookies: Used to deliver relevant advertisements (with your consent)

You can manage your cookie preferences through your browser settings. Disabling essential cookies may affect the functionality of our Services.

9. International Data Transfers

Your data is stored on secure servers located within the United States. If we transfer your data internationally, we ensure appropriate safeguards are in place to protect your privacy rights in accordance with applicable laws.

10. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal data, we will take steps to delete such information promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification to registered users
• Displaying a notice within our mobile app

Continued use of our Services after such changes constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: