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Privacy Policy

Last updated: October 2025

Welcome to Wittkoff Global Banking Solutions LLC (“Wittkoff Global”, “we”, “our”, or “us”).
Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you access our website, open an account, or use our fintech and banking-related services.

By using our website www.wittkoffglobal.com, you consent to the data practices described in this policy.


1. Information We Collect

We collect personal and financial information necessary to provide secure fintech and banking services, verify identity, and comply with regulatory obligations.

Categories of information we may collect include:

  • Personal Identifiers: Full name, date of birth, address, phone number, email, and national ID or passport.

  • Financial Information: Bank account details, transaction history, payment instructions, and account balances.

  • Business Information: Company name, incorporation documents, tax ID, and ownership details.

  • Technical Information: Device ID, IP address, browser type, operating system, and access logs.

  • Verification Data: Documents or images submitted for identity and KYC checks (Know Your Customer).

We do not knowingly collect data from individuals under the age of 18.


2. How We Use Your Information

We use collected data strictly for legitimate business and compliance purposes, including:

  • Account creation, onboarding, and user authentication

  • Processing and facilitating payments or money transfers

  • Compliance with KYC/AML and U.S. financial regulations

  • Communication regarding your account or transactions

  • Preventing fraud, money laundering, or unauthorized activity

  • Providing customer support and service updates

  • Improving our website, systems, and user experience

We never sell your personal data.


3. Legal Basis & Compliance

Wittkoff Global operates in accordance with:

  • Gramm-Leach-Bliley Act (GLBA) – U.S. financial privacy requirements

  • California Consumer Privacy Act (CCPA) – for users residing in California

  • Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations

  • OFAC and FinCEN reporting obligations where applicable

We collect data only as required by law or to perform our contractual obligations.


4. Sharing of Information

We may share personal data with:

  • Financial Partners: Lead Bank, Stripe, Cenoa, or other regulated payment institutions.

  • Compliance Providers: KYC/AML verification partners, fraud prevention systems.

  • Service Providers: Hosting, IT security, data analytics, and customer support.

  • Regulatory Authorities: When required by law, subpoena, or governmental request.

All third parties are contractually bound to maintain the confidentiality and security of your data.


5. Data Retention

We retain personal information for as long as necessary to:

  • Provide our services

  • Comply with legal and regulatory requirements (typically 5–7 years for financial data)

  • Resolve disputes and enforce agreements

When no longer required, data is securely deleted or anonymized.


6. Your Privacy Rights (CCPA)

If you are a California resident, you may have the right to:

  • Request access to your personal information

  • Request correction or deletion of your data

  • Opt out of data sharing for marketing purposes

  • Receive a copy of your data (“data portability”)

You may exercise your rights by emailing privacy@wittkoffglobal.com.
We may verify your identity before processing such requests.


7. Security of Your Information

We use advanced technical and organizational measures to safeguard your data, including:

  • AES-256 encryption for data at rest and SSL/TLS for data in transit

  • Multi-factor authentication (MFA)

  • Strict access controls and employee confidentiality agreements

  • Regular penetration tests and compliance audits

Despite these measures, no system is completely immune from breaches. In case of any incident, affected users will be promptly notified as required by law.


8. Cookies and Tracking

Our website uses cookies and similar tracking technologies to:

  • Improve site performance and analytics

  • Maintain session security

  • Personalize user experience

You can adjust your browser settings to block cookies, though certain features may not function properly.


9. Third-Party Links

Our website may contain links to external platforms such as Cenoa, Stripe, or partner institutions.
We are not responsible for the privacy practices or content of those websites.
Please review their privacy policies separately.


10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect new legal or operational requirements.
Updates will be posted on this page with a revised “Last Updated” date.


11. Contact Us

If you have questions or concerns regarding this Privacy Policy or your personal data, you may contact us at:

Wittkoff Global Banking Solutions LLC
1111 Brickell Avenue, 30th Floor
Miami, FL 33131, USA
📧 privacy@wittkoffglobal.com
📞 +1 785-390-8757


⚖️ Notice for Financial Customers

Wittkoff Global complies with all applicable U.S. financial regulations under FinCEN, OFAC, and FDIC-related frameworks where applicable.
All client data is processed in accordance with the Financial Privacy Rule and Safeguards Rule of the Gramm-Leach-Bliley Act.