Welcome to Top in Town Exchange! Your privacy is very important to us. This Privacy Policy outlines how Top in Town Exchange ("we," "us," or "our") collects, uses, and safeguards the information you provide when using our website, www.topintownexchange.com, or any related services (collectively, the “Service”).

By accessing or using our Service, you agree to this Privacy Policy. Please read it carefully.

1. Information We Collect

We collect information in order to provide you with a secure, efficient, and tailored experience when you use our currency exchange and money transfer services. The types of information we collect include:

a) Personal Information

• Identity Information: Full name, government-issued ID numbers (such as passport or driver’s license), date of birth, and nationality.
• Contact Information: Email address, telephone number, and physical address.
• Financial Information: Bank account details, payment card information, and transaction history.

b) Transaction Information

• Transfer Details: Currency exchange amount, destination currency, destination country, and other transaction-related data.
• Recipient Information: For money transfers, we may also collect personal information about the recipient, including name, contact details, and any other details necessary for the transaction.

c) Usage Data and Technical Information

• Usage Information: Details on how you use our Service, including time spent on pages, pages visited, and navigation paths.
• Device Information: Information about the device you use to access our Service, such as IP address, browser type, and operating system.

d) Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance user experience, store user preferences, and understand user engagement. You may adjust your browser settings to refuse cookies, but this may affect the functionality of our Service.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• To Provide and Improve Our Service: Process transactions, exchange currencies, and complete money transfers safely and securely.
• To Verify Identity: Authenticate users and prevent fraud or unauthorized access.
• To Comply with Legal and Regulatory Requirements: Meet obligations related to anti-money laundering (AML) and know-your-customer (KYC) laws, as required by regulatory authorities.
• To Communicate with You: Send transaction confirmations, updates, and support-related communications.
• To Enhance User Experience: Customize our Service to your preferences and understand how you interact with our Service to improve functionality.
• To Market Services (with Your Consent): With your explicit consent, send promotional information about our services or partner services. You may opt-out at any time.

3. Disclosure of Your Information

We may share your information in the following situations:

• With Service Providers: We engage third-party companies to assist with identity verification, payment processing, and regulatory compliance.
• For Regulatory Compliance: We may disclose information as required to comply with AML, KYC, and other financial regulations.
• For Business Transfers: In the event of a merger, acquisition, or sale, your information may be transferred to the acquiring entity.
• To Protect Our Rights: If necessary to enforce our Terms of Service or protect our rights, property, or safety, or that of others.

4. Security of Your Information

We implement appropriate administrative, technical, and physical security measures to protect your information. However, no online platform is entirely secure. We cannot guarantee the absolute security of your data but strive to use commercially acceptable means to protect it.

5. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes for which it was collected or as required by applicable laws, including for regulatory and compliance purposes.

6. International Transfers

Your information may be transferred to and processed in countries other than your own, including to countries that may not have data protection laws as comprehensive as those in your jurisdiction. We take measures to ensure that your information is protected in line with this Privacy Policy.

7. Your Rights

Depending on your jurisdiction, you may have rights including:

• Access: Request access to the personal information we hold about you.
• Correction: Request corrections to your personal information if it’s inaccurate or outdated.
• Deletion: Request deletion of your information, subject to legal and regulatory obligations.
• Data Portability: Request that we transfer your information to a third party in a structured, commonly used format.
• Consent Withdrawal: Withdraw consent for data processing where consent is the legal basis for processing.

To exercise these rights, please contact us at the details provided below.

8. Third-Party Links

Our Service may contain links to external websites. This Privacy Policy applies only to our Site. We are not responsible for the privacy practices or content of third-party sites.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of changes by posting the updated Privacy Policy on our Site. Please review it periodically.

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