Privacy Policy

Last updated: December 10, 2025

1. Introduction

AIXFIN.IO ("we," "our," or "us") is committed to protecting the privacy of credit unions, community financial institutions, and their members who use our white-label financial insights platform. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website or use our services.

2. Information We Collect

2.1 Information You Provide

When you request early access, contact us, or use our services, we may collect:

  • Name and contact information (email, phone number)
  • Professional information (job title, institution name)
  • Communications you send to us

2.2 Transaction Data Processing

Our platform is designed with a zero-PII architecture. When processing transaction data for credit union members:

  • All personally identifiable information (PII) is tokenized and removed by an on-premise sanitizer before data reaches our systems
  • We never receive names, account numbers, Social Security numbers, or addresses
  • We only process anonymized, tokenized transaction data for analysis purposes

2.3 Tokenized Data Ownership and Use

Important: Once anonymized, tokenized transaction data is transmitted to our platform, AIXFIN.IO retains ownership of this tokenized data. We may use this data at our discretion for purposes including, but not limited to:

  • Training and improving our machine learning models and algorithms
  • Developing new features and services
  • Conducting research and analysis to improve financial insights accuracy
  • Generating aggregated, anonymized benchmarks and industry insights
  • Enhancing fraud detection and risk assessment capabilities

Because this data contains no personally identifiable information, it cannot be traced back to individual members. The tokenized data remains the property of AIXFIN.IO even after termination of services with a partner institution.

2.4 Automatically Collected Information

When you visit our website, we may automatically collect:

  • Device and browser information
  • IP address and general location data
  • Pages visited and time spent on our website
  • Referral sources

3. How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our services
  • Respond to your inquiries and provide customer support
  • Process early access requests and onboard new partners
  • Send administrative information and service updates
  • Analyze usage patterns to improve our platform
  • Comply with legal obligations

4. Information Sharing

We do not sell your personal information. We may share information with:

  • Service Providers: Third parties who assist us in operating our platform (hosting, analytics, communication tools)
  • Legal Requirements: When required by law, court order, or governmental authority
  • Business Transfers: In connection with a merger, acquisition, or sale of assets
  • With Consent: When you have given us explicit permission

5. Data Security

We implement industry-standard security measures to protect your information, including:

  • Encryption of data in transit and at rest
  • Access controls and authentication requirements
  • Regular security assessments and monitoring
  • Secure, SOC 2-aligned infrastructure

6. Data Retention

We retain your information only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law. Contact information from early access requests is retained until you request its deletion.

7. Your Rights

Depending on your location, you may have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your information
  • Opt out of marketing communications
  • Lodge a complaint with a supervisory authority

8. Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience and analyze site usage. You can control cookie preferences through your browser settings. Essential cookies required for site functionality cannot be disabled.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any information.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

11. 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 policy on this page and updating the "Last updated" date.

12. Contact Us

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

AIXFIN.IO
Email: