Privacy Policy

Effective Date: July 2026  |  Last Updated: July 2026

1. Introduction

Welcome to ASETLAYER.

ASETLAYER ("ASETLAYER," "we," "our," or "us") is committed to protecting your privacy and safeguarding your personal information. We understand that trust is fundamental to financial services, and we are committed to handling your information responsibly, securely, and transparently.

This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you access or use our website, mobile applications, APIs, artificial intelligence services (including OZER AI), payment products, virtual account services, cryptocurrency services, and any other products or services we provide (collectively, the "Services").

By using our Services, creating an account, or otherwise interacting with ASETLAYER, you acknowledge that you have read and understood this Privacy Policy.

This Privacy Policy should be read together with our Terms of Service and any additional notices or policies that may apply to specific products or services.

If you do not agree with this Privacy Policy, please do not access or use our Services.

2. Definitions

For the purposes of this Privacy Policy, the following terms have the meanings set out below:

"ASETLAYER," "we," "our," or "us" means ASETLAYER and its affiliates, subsidiaries, successors, and permitted assigns.

"User," "you," or "your" means any individual or business that accesses or uses our Services.

"Personal Information" means any information that identifies, relates to, describes, or can reasonably be linked to an identified or identifiable individual.

"Sensitive Personal Information" means personal information that requires additional protection under applicable law, including government-issued identification information, biometric information, financial account information, and other categories recognized by applicable data protection laws.

"Services"means ASETLAYER's website, applications, payment services, virtual account services, artificial intelligence services (including OZER AI), APIs, and any other products or services we make available from time to time.

"Account" means your registered ASETLAYER account used to access and manage our Services.

"Transaction" means any payment, deposit, withdrawal, transfer, currency conversion, or other financial activity processed through our Services.

"Virtual Account" means a bank account number or similar payment identifier issued or facilitated through ASETLAYER or its regulated financial partners for the purpose of receiving payments.

"OZER AI"means ASETLAYER's artificial intelligence-powered assistant and related AI services that enable users to interact with and access our Services.

"Third-Party Service Provider" means any trusted service provider, financial institution, payment infrastructure provider, identity verification provider, cloud hosting provider, analytics provider, or other organization that assists ASETLAYER in providing, securing, or improving its Services.

"Applicable Law" means all laws, regulations, rules, regulatory guidance, sanctions requirements, and legally binding obligations applicable to ASETLAYER or the Services in the jurisdictions where we operate.

3. Information We Collect

The information we collect depends on how you interact with ASETLAYER and the Services you use. We collect information directly from you, automatically through your use of our Services, and from trusted third parties where permitted by applicable law.

3.1 Information You Provide

When you create an account or use our Services, we may collect information such as:

  1. Full name
  2. Email address
  3. Phone number
  4. Residential or business address
  5. Date of birth
  6. Username
  7. Password and account credentials
  8. Profile information you choose to provide
  9. Communications with our customer support team

3.2 Identity Verification (KYC/KYB) Information

To comply with applicable laws and regulatory requirements, we may collect information required to verify your identity or your business, including:

  1. Government-issued identification documents
  2. Selfie or biometric verification information (where required)
  3. Proof of address
  4. Business registration documents
  5. Information relating to directors, beneficial owners, or authorized representatives
  6. Any additional information reasonably required to complete identity verification

3.3 Financial Information

Depending on the Services you use, we may collect or generate financial information, including:

  1. Bank account information you provide for payouts or other supported financial services;
  2. Virtual account details assigned to your ASETLAYER account;
  3. Payment instructions;
  4. Payment references;
  5. Currency preferences; and
  6. Other financial information necessary to provide our Services.

We do not collect or store payment credentials unless necessary to provide the Services or where required by applicable law.

3.4 Transaction Information

When you use our Services, we may collect information relating to your transactions, including:

  1. Transaction amount
  2. Transaction date and time
  3. Transaction status
  4. Currency
  5. Sender and recipient information
  6. Payment reference
  7. Associated account identifiers

3.5 Device and Technical Information

When you access our Services, we may automatically collect technical information, including:

  1. IP address
  2. Device type
  3. Operating system
  4. Browser type
  5. Device identifiers
  6. Log information
  7. Language preferences
  8. Time zone
  9. Approximate location derived from your IP address

3.6 Usage Information

We may collect information about how you interact with our Services, including:

  1. Pages visited
  2. Features used
  3. Login activity
  4. Session duration
  5. Clickstream data
  6. Error reports
  7. Performance diagnostics

3.7 Communications

When you contact ASETLAYER or interact with OZER AI, we may collect:

  1. Messages you send
  2. Customer support requests
  3. Feedback
  4. Survey responses
  5. AI conversations used to provide or improve our Services, subject to applicable law and this Privacy Policy.

3.8 Information from Third Parties

We may receive information from trusted third parties, including:

  1. Identity verification providers
  2. Banking and payment infrastructure providers
  3. Fraud prevention providers
  4. Public databases where legally permitted
  5. Other service providers that assist us in providing the Services.

We only collect information that is reasonably necessary to provide, secure, improve, and comply with our legal obligations in relation to the Services.

4. How We Collect Information

We collect personal information through various methods to provide, improve, and secure our Services.

4.1 Information You Provide

We collect information that you voluntarily provide when you:

  1. Create or update your ASETLAYER account;
  2. Complete identity verification (KYC/KYB);
  3. Use our payment and financial services;
  4. Contact customer support;
  5. Respond to surveys, promotions, or communications;
  6. Interact with OZER AI or other ASETLAYER services.

4.2 Information Collected Automatically

When you access or use our Services, certain information is collected automatically, including:

  1. Device and browser information;
  2. IP address;
  3. Log data;
  4. Usage activity;
  5. Cookies and similar technologies;
  6. Performance and diagnostic information.

This information helps us improve the security, performance, and reliability of our Services.

4.3 Information from Third Parties

We may receive information from trusted third parties, including:

  1. Identity verification providers;
  2. Financial institutions;
  3. Payment infrastructure providers;
  4. Fraud prevention and risk management providers;
  5. Publicly available sources where permitted by applicable law; and
  6. Other service providers that support the operation of our Services.

4.4 Information Generated Through Your Use of Our Services

As you use ASETLAYER, we may generate information relating to your use of the Services, including:

  1. Account activity;
  2. Transaction records;
  3. Virtual account assignments;
  4. Security and authentication logs;
  5. Customer support interactions; and
  6. Service preferences and settings.

We collect information only where it is reasonably necessary to provide our Services, comply with legal and regulatory obligations, protect our users, and improve the overall user experience.

5. How We Use Your Information

We use your personal information only where necessary to provide our Services, comply with applicable legal and regulatory obligations, protect our users, and improve your experience with ASETLAYER.

Specifically, we may use your information to:

  1. Create, verify, and manage your ASETLAYER account;
  2. Provide and maintain our payment and financial services;
  3. Process transactions and facilitate payments;
  4. Perform identity verification (KYC/KYB) and comply with applicable laws;
  5. Detect, investigate, and prevent fraud, unauthorized activities, money laundering, terrorist financing, and other illegal activities;
  6. Authenticate your identity and protect the security of your account;
  7. Communicate with you regarding your account, transactions, service updates, and customer support requests;
  8. Personalize and improve our Services, products, and user experience;
  9. Monitor, analyze, and improve the performance, reliability, and security of our Services;
  10. Develop new products, features, and functionality;
  11. Respond to legal requests, regulatory inquiries, and law enforcement requirements where required by applicable law;
  12. Enforce our Terms of Service and other applicable agreements; and
  13. Exercise or defend our legal rights where necessary.

Where permitted by applicable law, we may also use aggregated or anonymized information for analytics, research, product development, and business improvement. Such information does not identify you personally.

6. How We Share Your Information

We do not sell your personal information. We share your information only where necessary to provide our Services, comply with applicable legal and regulatory obligations, protect our users, or support the operation of our business.

To deliver our Services, we may share your information with trusted third-party service providers that support our operations, including cloud infrastructure providers, customer support providers, communications providers, analytics providers, and security service providers.

Where the Services involve identity verification, payment processing, virtual accounts, or other regulated financial services, we may share relevant information with licensed financial institutions, payment infrastructure providers, identity verification providers, compliance service providers, and other regulated partners that assist in delivering these Services and meeting applicable legal and regulatory requirements.

We may also disclose your information where required by applicable law, regulation, court order, or a lawful request from a government authority, regulator, or law enforcement agency.

In the event of a merger, acquisition, corporate restructuring, financing, sale of assets, or other similar business transaction, your information may be transferred as part of that transaction, subject to applicable law.

We require third parties that process personal information on our behalf to implement appropriate safeguards and to process such information only for authorized purposes consistent with this Privacy Policy and applicable law.

7. Data Retention

We retain your personal information only for as long as necessary to provide our Services, comply with applicable legal and regulatory obligations, resolve disputes, enforce our agreements, and protect the legitimate interests of ASETLAYER and our users.

The length of time we retain your information depends on the nature of the information, the Services you use, and the legal or regulatory requirements applicable to us.

Where you close your ASETLAYER account, we may continue to retain certain information where required by applicable law, regulatory obligations, fraud prevention requirements, audit purposes, dispute resolution, or the establishment, exercise, or defense of legal claims.

When personal information is no longer required for these purposes, we will securely delete, anonymize, or otherwise dispose of it in accordance with our internal data retention policies and applicable law.

8. Data Security

At ASETLAYER, protecting your personal information is one of our highest priorities. We implement appropriate technical, administrative, and organizational safeguards designed to protect your information from unauthorized access, disclosure, alteration, loss, misuse, or destruction.

Our security measures may include encryption, secure data transmission, access controls, authentication mechanisms, continuous system monitoring, employee confidentiality obligations, and other security practices appropriate to the nature of the Services we provide.

We regularly review and enhance our security practices to respond to evolving security risks and to help maintain the confidentiality, integrity, and availability of the information entrusted to us.

While we are committed to maintaining a secure environment, no security measure or method of transmitting or storing information can eliminate every risk. We therefore encourage you to protect your account credentials, use strong passwords, enable available security features, and notify us immediately if you suspect any unauthorized access to your account.

9. Your Privacy Rights

Subject to applicable law, you may have certain rights regarding your personal information. Depending on your jurisdiction and the nature of your relationship with us, these rights may include the ability to:

  1. Request access to the personal information we hold about you;
  2. Request correction of inaccurate or incomplete personal information;
  3. Request the deletion of your personal information where we are no longer required or permitted to retain it;
  4. Object to or request the restriction of certain processing activities;
  5. Withdraw your consent where we rely on your consent to process your personal information, without affecting the lawfulness of processing carried out before the withdrawal;
  6. Request a copy of your personal information in a portable format where applicable; and
  7. Lodge a complaint with a competent data protection authority if you believe your privacy rights have been violated.

Please note that these rights are not absolute and may be limited where we are required to retain or process your personal information to comply with legal, regulatory, security, fraud prevention, or contractual obligations.

To exercise any of your privacy rights or make an enquiry regarding this Privacy Policy, you may contact us using the contact details provided at the end of this Privacy Policy. We may request additional information to verify your identity before processing your request.

10. International Data Transfers

To provide our Services, your personal information may be transferred to, stored in, or processed in countries other than the country in which it was originally collected. These countries may have data protection laws that differ from those in your jurisdiction.

Where we transfer personal information across borders, we take appropriate steps to ensure that such transfers are carried out in accordance with applicable law and that your personal information remains protected through appropriate contractual, technical, or organizational safeguards.

By using our Services, you acknowledge that your personal information may be processed in jurisdictions where we, our service providers, or our regulated partners operate, subject to applicable legal and regulatory requirements.

11. Cookies and Similar Technologies

We use cookies and similar technologies to operate, secure, and improve our Services. These technologies help us recognize your device, maintain your session, remember your preferences, understand how our Services are used, and enhance your overall experience.

Some cookies are necessary for the operation and security of our Services, while others help us analyze usage, improve performance, and develop new features.

Most web browsers allow you to manage or disable cookies through your browser settings. Please note that disabling certain cookies may affect the availability or functionality of some parts of our Services.

Where required by applicable law, we will obtain your consent before using cookies or similar technologies that are not strictly necessary for the operation of our Services.

12. Children's Privacy

Our Services are intended only for individuals who are at least 18 years of age or for businesses acting through authorized representatives who are at least 18 years of age. We do not knowingly collect, use, or process personal information from individuals under the age of 18.

If we become aware that we have collected personal information from a person under the age of 18 in violation of this Privacy Policy or applicable law, we may suspend or terminate the relevant account and take reasonable steps to delete or otherwise handle such information in accordance with applicable legal and regulatory requirements.

If you believe that a person under the age of 18 has provided personal information to us, please contact us using the details provided in the "Contact Us" section of this Privacy Policy.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our Services, legal or regulatory requirements, industry practices, or the way we process personal information. When we make material changes, we will update the "Last Updated" date at the beginning of this Privacy Policy and, where required by applicable law, provide appropriate notice through our Services or by other reasonable means.

Your continued use of the Services after any changes become effective constitutes your acknowledgment of the updated Privacy Policy.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our processing of your personal information, please contact us using the details below:

ASETLAYER

Email: privacy@asetlayer.com

Website: https://www.asetlayer.com

We will make reasonable efforts to respond to your request in accordance with applicable law.