Privacy Policy

1. Introduction

Biniyog Club Ltd. ("Biniyog Club", "we", "us", or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our platform at biniyog.club and related mobile applications.

2. Information We Collect

We collect the following categories of information:

• Identity Data: Full name, National ID number, date of birth, photograph.
• Contact Data: Email address, phone number, postal address.
• Financial Data: Bank account details, mobile banking numbers, transaction history.
• Usage Data: IP address, browser type, pages visited, time spent on platform.
• Device Data: Device identifiers, operating system, app version.

3. How We Use Your Information

• To verify your identity and comply with KYC/AML regulations.
• To process investments, payments, and withdrawals.
• To send transaction confirmations, project updates, and account notifications.
• To improve platform features and user experience.
• To detect and prevent fraud and unauthorized access.
• To comply with applicable laws and regulatory requirements.

4. Data Sharing

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

• KYC verification service providers (under strict data processing agreements).
• Payment processors and banking partners for transaction processing.
• Regulatory authorities when required by law.
• Farmers, only to the extent necessary to manage your investment (e.g., investor count, not personal details).

5. Data Security

We implement industry-standard security measures including AES-256 encryption at rest, TLS 1.3 in transit, bcrypt password hashing, and regular security audits. Access to personal data is restricted to authorized personnel on a need-to-know basis.

6. Data Retention

We retain your personal data for as long as your account is active and for a minimum of 7 years after account closure to comply with financial record-keeping requirements under Bangladesh law.

7. Your Rights

You have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate data.
• Request deletion of your data (subject to legal retention requirements).
• Withdraw consent for marketing communications at any time.

To exercise these rights, contact us at privacy@biniyog.club.

8. Cookies

We use essential cookies for session management and security. We do not use third-party advertising cookies. You can control cookie preferences through your browser settings.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes via email and a prominent notice on the platform at least 14 days before changes take effect.

10. Contact

For privacy-related inquiries, contact our Data Protection Officer at privacy@biniyog.club or write to: Biniyog Club Ltd., Gulshan-2, Dhaka 1212, Bangladesh.