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Privacy Policy

BNIINASFATION LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile applications, websites, and services.

1. Information We Collect

1.1 Personal Information

We may collect personal information that you voluntarily provide to us, including:

• Name and contact information (email address, phone number)
• Account credentials and profile information
• Payment information (processed securely through third-party providers)
• Communications with us (customer support, feedback)

1.2 Payment and Transaction Information

When you make purchases through our services, we may collect:

• Payment method information (card type, last 4 digits, expiration date)
• Billing address and shipping information
• Transaction history and purchase records
• Order numbers and payment confirmations
• Refund and dispute information

Important: We do not store complete credit card numbers, CVV codes, or other sensitive payment data on our servers. All payment processing is handled by secure third-party payment processors.

1.3 Automatically Collected Information

When you use our services, we automatically collect certain information, including:

• Device information (device type, operating system, unique device identifiers)
• Usage data (app interactions, content viewed, time spent)
• Log data (IP address, browser type, access times)
• Location data (with your consent)

1.4 Third-Party Information

We may receive information from third-party sources, such as:

• Social media platforms (when you connect your accounts)
• Analytics providers
• Advertising partners

2. How We Use Your Information

We use the collected information for various purposes:

• Provide and maintain our services
• Personalize your experience and content recommendations
• Process transactions and payments
• Send notifications and updates
• Analyze usage patterns and improve our services
• Provide customer support
• Comply with legal obligations
• Prevent fraud and ensure security

3. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

3.1 Service Providers

We may share information with trusted third-party service providers who assist us in operating our services, including:

• Cloud hosting and storage providers
• Payment processors and financial institutions
• Analytics and advertising partners
• Customer support services

3.2 Payment Processors and Financial Partners

We work with secure third-party payment processors to handle your payments. These processors may collect and process your payment information in accordance with their own privacy policies. We only share the minimum information necessary to complete your transaction. Our payment partners include:

• Stripe (for credit card and digital wallet payments)
• PayPal (for PayPal transactions)
• Apple Pay and Google Pay (for mobile payments)
• Other payment gateways as needed for your region

These payment processors are required to maintain the same level of security and privacy protection as outlined in this policy.

3.3 Legal Requirements

We may disclose your information if required by law or in response to valid legal requests, such as:

• Court orders or subpoenas
• Government investigations
• Protection of our rights and safety
• Tax and financial reporting requirements
• Fraud prevention and security investigations

3.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

4. Data Security

We implement appropriate technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure.

4.1 Payment Data Security

We take extra precautions to protect your payment information:

• All payment data is encrypted using industry-standard SSL/TLS protocols
• We do not store complete credit card numbers or CVV codes
• Payment processing is handled by PCI DSS compliant third-party processors
• We regularly audit our security practices and update them as needed
• Access to payment information is strictly limited to authorized personnel

4.2 Fraud Prevention

We implement various fraud prevention measures including:

• Real-time transaction monitoring and analysis
• Address verification and identity checks
• Device fingerprinting and behavioral analysis
• Collaboration with payment processors on fraud detection

5. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. When we no longer need your information, we will securely delete or anonymize it.

5.1 Payment Data Retention

Payment and transaction data is retained for:

• Transaction Records: 7 years (for tax and accounting purposes)
• Payment Method Information: Until account deletion or as required by law
• Refund and Dispute Records: 5 years after resolution
• Fraud Investigation Data: As long as necessary for legal proceedings

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a portable format
• Opt-out: Opt out of certain data processing activities
• Payment Information: Update or remove stored payment methods

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, analyze usage, and provide personalized content. You can control cookie settings through your browser preferences.

8. Children's Privacy

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the "Last Updated" date.

11. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

• Email: [email protected]
• Address: 2305 Birch Ave, Gillette, WY 82718
• Company: BNIINASFATION LLC

We will respond to your inquiry within a reasonable timeframe.