Privacy Policy

COHEN CC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our digital platform.

1. Information We Collect

Personal Information: When you register, we collect your full name, username, email address, phone number, date of birth, residential address, city, country, postal code, and government-issued identification documents.

Financial Information: We collect transaction history, account balances, deposit and withdrawal records, loan applications, payment history, and related financial data necessary to provide our services.

KYC Documents: For identity verification and compliance with anti-money laundering regulations, we collect national ID, passport, driver's license, proof of address, and business registration documents where applicable.

Technical Data: We automatically collect IP address, browser type, device information, operating system, login timestamps, and activity logs for security and fraud prevention purposes.

Communication Data: Records of your communications with our support team, including emails, chat logs, and support tickets.

2. How We Use Your Information

• To create, manage, and maintain your account
• To process deposits, withdrawals, transfers, and loan transactions
• To verify your identity through Know Your Customer (KYC) procedures
• To comply with anti-money laundering (AML) and counter-terrorism financing regulations
• To communicate important account updates, security alerts, and service notifications
• To provide customer support and respond to your inquiries
• To improve our platform, develop new features, and enhance user experience
• To prevent fraud, unauthorized access, money laundering, and other illegal activities
• To enforce our Terms of Service and other legal agreements
• To comply with applicable laws, regulations, and legal processes

3. Legal Basis for Processing

We process your personal data based on the following legal grounds:

• Contractual Necessity: To fulfill our obligations under the Terms of Service
• Legal Obligation: To comply with AML, KYC, and other regulatory requirements
• Legitimate Interests: To protect our platform, prevent fraud, and improve services
• Consent: Where you have provided explicit consent for specific processing activities

4. Information Sharing and Disclosure

We do NOT sell, rent, or trade your personal information to third parties for marketing purposes. We may share your data with:

• Regulatory authorities and government agencies as required by applicable law
• Financial institutions and payment processors to facilitate transactions
• Third-party service providers who assist with KYC verification and identity authentication
• Professional advisors including lawyers, auditors, and consultants
• Law enforcement agencies with valid legal requests, subpoenas, or court orders
• Successor entities in the event of a merger, acquisition, or business transfer

All third-party service providers are contractually obligated to protect your data and use it only for the specified purposes.

5. Data Security Measures

We implement comprehensive security measures to protect your information:

• 256-bit SSL/TLS encryption for all data transmissions
• Passwords hashed using bcrypt with unique salts
• Multi-factor authentication for account access
• Secure servers with firewalls and intrusion detection systems
• Regular security audits and vulnerability assessments
• Access controls limiting employee access to personal data
• Continuous monitoring for suspicious activities

While we strive to protect your data, no method of electronic storage or transmission is 100% secure. You are responsible for maintaining the confidentiality of your login credentials.

6. Data Retention

We retain your personal and financial data for as long as your account remains active. Upon account closure, we retain your data for a period of 7 years to comply with legal obligations, resolve disputes, and enforce our agreements. After this period, your data is permanently deleted or anonymized.

Transaction records required for regulatory compliance are retained for the statutory period regardless of account status.

7. Your Rights

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

• Right to Access: Request a copy of your personal data we hold
• Right to Rectification: Correct inaccurate or incomplete information
• Right to Erasure: Request deletion of your personal data under certain conditions
• Right to Restrict Processing: Limit how we process your data
• Right to Data Portability: Receive your data in a structured, machine-readable format
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw previously given consent at any time

To exercise these rights, contact us using the information in Section 11. We will respond within 30 days.

8. Cookies and Tracking Technologies

We use essential session cookies for authentication, security, and proper platform functionality. These cookies are necessary for the operation of our service and cannot be disabled. We do NOT use:

• Third-party tracking cookies
• Advertising or marketing cookies
• Analytics cookies that identify individual users
• Cross-site tracking technologies

9. International Data Transfers

Your data may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place, including standard contractual clauses and data processing agreements, to protect your data during international transfers.

10. Third-Party Links

Our platform may contain links to external websites or services not operated by us. We are not responsible for the privacy practices, content, or security of third-party sites. We encourage you to review the privacy policies of any third-party services you access.

11. Children's Privacy

Our services are strictly intended for individuals aged 18 years and older. We do not knowingly collect, store, or process personal data from minors. If we become aware that a minor has provided us with personal information, we will immediately delete such data and terminate the associated account.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or operational needs. We will notify users of material changes through:

• Email notification to the address on file
• Platform notification upon login
• Updated "Last Updated" date at the top of this page

Continued use of our platform after policy changes constitutes acceptance of the revised terms.

13. California Privacy Rights

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.

14. GDPR Compliance

For users in the European Economic Area (EEA), we comply with the General Data Protection Regulation (GDPR). You have the right to lodge a complaint with your local data protection authority if you believe your rights have been violated.

15. Contact Information

If you have questions, concerns, or wish to exercise your data rights, please contact our Data Protection Officer: