Data Policy

Objective

99Fi, operated by NEO LLC in the US, NEO FS LTD in the UK, and 99 Lab Inc in Canada, is committed to protecting your privacy. This policy outlines how we collect, use, share, and protect your personal information, and how we comply with relevant privacy laws, including GDPR, PIPEDA, and applicable US regulations.

Definitions

"99Fi," "we," "our," or "us": Refers to the companies operating under the 99Fi brand.
"You" or "your": Refers to users of our services.
"Personal Information": Nonpublic data that identifies, relates to, or can reasonably be linked to an individual.
"Affiliate": Companies under common control with 99Fi.
"Non-affiliated third party": Entities not affiliated with 99Fi.
"Opt-out": Your right to restrict certain uses or sharing of your data.

Information We Collect

We collect personal data to provide, maintain, and improve our services:

Information you provide: Full name, contact information, date of birth, and government-issued ID.
Transaction data: Usage history, transaction amounts, destination country, timestamps, and remittance method.
Third-party information: Verification data from identity services, risk assessment vendors, or compliance partners.

How We Use Your Information

We use your data to:

Provide and improve our services
Verify your identity
Monitor and prevent fraud
Comply with legal obligations
Support customer service and technical operations

By using 99Fi’s deferred settlement feature, you authorize us to assess your eligibility using financial data, including phone number verification and third-party tools. You also authorize us to report your account status and payment history to applicable consumer reporting or compliance databases, including negative status updates such as delinquencies, where permitted by law.

We do not sell your personal data. We use your data to:

Provide and improve our services
Verify your identity
Monitor and prevent fraud
Comply with legal obligations
Support customer service and technical operations

We do not sell your personal data.

Sharing of Information

We may share data with:

Affiliates and service providers for account servicing, verification, fraud prevention, and compliance.
Government or regulatory bodies if legally required.
Non-affiliated partners only with your explicit consent or where legally permitted.

Data Retention and Account Deletion

Retention Periods

We retain data to comply with laws and manage risk:

US, UK, Canada: 6 years
EEA: 10 years
Other: Minimum 6 years or per local law

Deletion Process

To request account deletion, email [email protected]. Deletion is subject to:

Full settlement of any balances
Completion or cancellation of pending transactions
Withdrawal of any remaining funds

Some data will be retained for regulatory, legal, and fraud prevention purposes.

Security Practices

We implement safeguards to protect your data:

Physical: Restricted access to secure facilities
Technical: Encryption, secure servers, firewalls
Procedural: Access controls, staff training, regular audits

Cookies & Tracking

We use cookies, analytics tools, and tracking pixels to:

Analyze usage and performance
Improve user experience
Support fraud detection

Your Rights and Choices

Access and Correction: You may request access to or correction of your data.
Opt-Out: You may opt out of marketing messages or third-party data sharing by contacting [email protected].
Region-specific rights: Additional rights may apply based on your location (e.g., GDPR in the EU).

Policy Updates

We may revise this policy from time to time. Material updates will be communicated via the App or email where required.

Contact Us

For any privacy-related questions: [email protected]
99Fi is committed to safeguarding your personal information while delivering secure, compliant financial services.