Privacy Policy

We collect information you provide directly, including name, email address, company name, phone number, and payment details when you register for or use our API services.

We automatically collect technical data such as IP addresses, browser type, device identifiers, API request logs, and usage metrics when you interact with our platform.

We may also receive information about you from third-party identity verification providers, credit bureaus, and fraud prevention services as permitted by law.

To provision, maintain, and improve the fhbo-usa API platform; to authenticate users; to process payments; and to provide technical support.

To detect, investigate, and prevent fraudulent transactions, security incidents, and other illegal activity in accordance with applicable financial regulations.

To send transactional communications, service updates, compliance notices, and — with your consent — marketing communications about new API products.

We use strictly necessary cookies to maintain session integrity and authenticate API dashboard users. These cannot be disabled without affecting core functionality.

With your consent, we use analytics cookies (e.g., Google Analytics) to understand feature usage and improve our developer experience.

You may manage cookie preferences via our Cookie Preference Center or by configuring your browser settings. See our Cookie Policy for full details.

We do not sell your personal data. We share data with service providers (cloud infrastructure, payment processors, compliance vendors) bound by data processing agreements.

We may disclose data to regulatory bodies, law enforcement, or financial authorities when legally required or to protect the security of the fhbo-usa platform.

If fhbo-usa undergoes a merger, acquisition, or asset sale, your data may be transferred as part of that transaction, with notice provided prior to transfer.

We retain account and transaction data for a minimum of five (5) years to satisfy U.S. federal financial recordkeeping requirements (BSA, FINRA) and applicable state law.

API log data is retained for up to 24 months for security and debugging purposes, then anonymized or deleted.

We implement industry-standard safeguards including TLS 1.3 encryption in transit, AES-256 encryption at rest, role-based access controls, and regular third-party penetration testing.

No transmission over the internet is 100{9272ac8955812a73848f908526ebfd0fa385eddc9e4f284fff7bba23e3244510} secure. You are responsible for maintaining the confidentiality of your API keys and credentials.

The fhbo-usa platform is intended solely for business and developer use by individuals 18 years of age or older. We do not knowingly collect personal data from minors.

If we become aware that a minor has provided us personal information, we will promptly delete it.

We may update this Privacy Policy periodically. Material changes will be communicated via email or a prominent notice in the API dashboard at least 30 days before taking effect.

Continued use of fhbo-usa services after the effective date constitutes acceptance of the updated policy.

To exercise your rights or for any privacy-related inquiries, contact our Data Protection Officer at [email protected] or by mail at fhbo-usa Inc., 1700 Broadway, Suite 2100, New York, NY 10019, USA.

If you are located in the EU/EEA and believe your rights have not been respected, you have the right to lodge a complaint with your local supervisory authority.