Privacy Policy

1. About This Policy

This Privacy Policy describes how Easner Group, Inc. ("Easner," "we," "us," or "our") collects, uses, and shares information about you when you use our platform and mobile application. Easner provides instant, zero-fee cross-border transfers through licensed financial service partners. Easner is a financial technology company and not a bank, exchange, or asset custodian. Easner does not facilitate FDIC insurance or hold deposits. Easner acts as a technology platform facilitating money movement services. Payment products are provided in partnership with licensed institutions. Cards are issued by partners licensed in their respective jurisdictions.

2. Information We Collect

Easner collects information you provide directly to us, such as when you create an account, use our services, or contact us for support. This includes:

• Personal identification information (name, email address, phone number, date of birth)
• Financial information (bank account details, transaction history)
• Identity verification documents (government-issued ID, proof of address)
• Device and usage information
• Location data (for fraud prevention and regulatory compliance)
• Biometric data (if required for identity verification)

Third-Party Partner Information: Our licensed financial service partners may also collect additional information as required by their regulatory obligations.

Third-Party KYC Verification Services: We partner with Bridge (Bridge Financial, Inc.) to provide KYC/KYB verification services. When you complete identity verification, Bridge collects and processes your personal information, identity documents, and verification data on our behalf. Bridge acts as a data processor and is contractually obligated to protect your information in accordance with applicable data protection laws. Information collected by Bridge is shared with us for account verification and regulatory compliance purposes. Bridge may collect additional information including:

• Social Security Number (SSN) for U.S. residents
• Employment status and occupation
• Expected monthly transaction volume
• Account purpose and source of funds
• KYC verification status and rejection reasons (if applicable)

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our platform services
• Process transactions through our licensed partners
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements (AML, KYC, sanctions screening)
• Communicate with you about our services and transactions
• Provide customer support
• Develop and improve our early-stage platform
• Share with licensed partners as necessary for service provision

4. Information Sharing

We may share your information in the following circumstances:

• With your consent or at your direction
• With licensed financial service partners who facilitate transactions
• With service providers who assist us in operating our business
• To comply with legal obligations, court orders, or regulatory requests
• To protect the rights, property, or safety of Easner, our users, or others
• In connection with a merger, acquisition, or sale of assets
• With regulatory authorities as required by financial services regulations
• For fraud prevention and risk management purposes

Information Sharing with KYC Providers: We share your personal information and identity verification documents with Bridge, our third-party KYC verification provider, to facilitate identity verification and regulatory compliance. Bridge processes this information in accordance with their privacy policy and our contractual agreements. Bridge may retain your verification data as required by their regulatory obligations and data retention policies.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. We continuously enhance our security measures to meet industry standards and regulatory requirements.

6. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations (including financial services regulations that may require extended retention periods), resolve disputes, and enforce our agreements. Retention periods may vary depending on the type of information and regulatory requirements in different jurisdictions.

Bridge Data Retention: Bridge, our KYC verification provider, may retain your verification data in accordance with their data retention policies and regulatory obligations. Bridge may retain certain information even after your account with Easner is closed, as required by financial services regulations. For specific information about Bridge's data retention practices, please contact us or refer to Bridge's privacy policy.

7. Your Rights

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

• The right to access your personal information
• The right to correct inaccurate information
• The right to delete your personal information (subject to regulatory requirements)
• The right to restrict processing of your information
• The right to data portability
• The right to object to processing

Note: Some rights may be limited by regulatory requirements applicable to financial services.

Accessing Data Held by Bridge: If you wish to access, correct, or delete personal information held by Bridge, our KYC verification provider, you may contact Bridge directly or contact us and we will assist you in making such requests. Bridge may retain certain verification data as required by their regulatory obligations and data retention policies, even after account deletion.

8. Cookies and Tracking

We use cookies and similar tracking technologies to collect information about your browsing activities and to provide you with a personalized experience. You can control cookies through your browser settings, but disabling cookies may affect the functionality of our services.

9. International Transfers

Your information may be transferred to and processed in countries other than your country of residence, including the United States where Easner is headquartered. We ensure that such transfers are conducted in accordance with applicable data protection laws and that appropriate safeguards are in place. Our licensed partners may also process your information in their respective jurisdictions.

Bridge Data Transfers: Bridge, our KYC verification provider, may process and store your verification data in jurisdictions outside your country of residence. Bridge is contractually obligated to implement appropriate safeguards for international data transfers in accordance with applicable data protection laws, including standard contractual clauses where required.

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 under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

11. Regulatory Compliance

As a platform facilitating financial services, we and our licensed partners are subject to various regulatory requirements including anti-money laundering (AML), know-your-customer (KYC), and sanctions screening obligations. This may require us to collect, process, and retain additional information and to share information with regulatory authorities. Easner embeds verification, AML, and encryption at the core of every transaction through our licensed partners, including Bridge, to ensure compliance and security.

For detailed information about our compliance procedures, please review our KYC/KYB Policy and AML Policy.

12. Cryptocurrency and Digital Assets

Easner does not hold, store, or manage cryptocurrency or other digital assets on behalf of users. Blockchain and cryptocurrency infrastructure services are provided by our licensed partners, including Bridge, who handle blockchain settlement and cryptocurrency-related services. While our infrastructure leverages blockchain technology to facilitate instant cross-border transfers, end users interact only with traditional fiat currencies through bank-to-bank transfers. Users do not need to create cryptocurrency wallets, hold digital assets, or interact with blockchain technology directly. All user funds are processed through licensed financial service partners who handle fiat currency transactions in compliance with applicable regulations.

13. Service Evolution

As we expand our services and enter new markets, our privacy practices may evolve to meet local regulatory requirements and enhance user experience. We remain committed to maintaining the highest standards of data protection across all jurisdictions where we operate.

14. Changes to This 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.

15. Contact Us

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