Privacy Policy

1. Introduction

Dime Online Financials LLC ("Dime," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our website at dimefinapp.com, our mobile application, and all related services (collectively, the "Services").

By accessing or using our Services, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Services.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information when you register for an account or use our Services:

• Full name and date of birth
• Email address and phone number
• Mailing address and residential address
• Social Security Number (SSN) or Tax Identification Number (TIN) for regulatory compliance
• Government-issued identification documents
• Employment and income information
• Bank account and financial information

2.2 Financial Information

In connection with our financial services, we may collect:

• Account balances and transaction history
• Payment card information (processed securely through Stripe)
• Cryptocurrency wallet addresses and transaction data
• Loan application details and credit information
• Insurance policy information
• Estate planning documents and beneficiary information

2.3 Automatically Collected Information

When you use our Services, we automatically collect:

• Device information (type, operating system, unique identifiers)
• IP address and geolocation data
• Browser type and version
• Usage data (pages visited, features used, time spent)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our financial services
• To process transactions and manage your accounts
• To verify your identity and comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations
• To communicate with you about your accounts, transactions, and service updates
• To provide customer support through our AI-powered agent system
• To detect, prevent, and address fraud, security breaches, and other illegal activities
• To comply with legal obligations and regulatory requirements
• To personalize your experience and provide tailored financial recommendations
• To analyze usage patterns and improve our Services

4. How We Share Your Information

We may share your information in the following circumstances:

• Service Providers: We share information with third-party service providers who perform services on our behalf, including payment processing (Stripe), cloud hosting, and data analytics.
• Regulatory Compliance: We may disclose information to government agencies, regulators, or law enforcement as required by applicable law or in response to legal process.
• Business Partners: With your consent, we may share information with our business partners, including BXOSMART WORLD PROJECT, to provide integrated services.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.
• With Your Consent: We may share your information for other purposes with your explicit consent.

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

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

• 256-bit SSL/TLS encryption for all data in transit
• AES-256 encryption for data at rest
• Multi-factor authentication (MFA) for account access
• Regular security audits and penetration testing
• Automated platform health monitoring with real-time alerts
• Strict access controls and employee training

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze usage, and provide personalized content. You can control cookie preferences through your browser settings. Essential cookies required for the operation of our Services cannot be disabled.

7. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal retention requirements.
• Portability: Request a copy of your data in a portable format.
• Opt-Out: Opt out of marketing communications at any time.
• Restriction: Request restriction of processing in certain circumstances.

To exercise any of these rights, please contact us at [email protected] or through our in-app Customer Service AI agent.

8. 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 information from a child under 18, we will take steps to delete such information promptly.

9. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with our Services. We may also retain information as required by law, to resolve disputes, enforce agreements, and for legitimate business purposes. Financial records are retained in accordance with applicable federal and state regulations.

10. Third-Party Services

Our Services may contain links to third-party websites or integrate with third-party services (such as Stripe for payment processing and blockchain networks for cryptocurrency transactions). We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

11. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information. To exercise your CCPA rights, contact us at [email protected].

12. Changes to This Privacy 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 this page and updating the "Last Updated" date. Your continued use of the Services after any changes constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us: