To provide secure identity verification and financial services, UFI needs to collect, process, and securely store certain personal and business information.

By creating a UFI account, you acknowledge that you have read and understood this Privacy Notice and consent to the collection and processing of your information as described below.

Information We Collect

Personal Information

We may collect:

• Full legal name
• Date of birth
• Nationality
• Gender
• Residential address
• Email address
• Mobile phone number
• Government-issued identification
• Passport or National ID
• Driver's License (where applicable)

Biometric Information (Optional or Required)

Depending on the services you use, UFI may collect:

• Face image
• Face template
• Liveness verification
• Voice sample
• Voiceprint
• Fingerprint template
• Palm or hand biometric template

Biometric information is encrypted and used solely for identity verification, fraud prevention, and secure authentication.

Financial Information

Where required:

• Bank account details
• Payment cards
• IBAN
• Wallet addresses
• Transaction history
• Financial behavior
• Risk assessment information

Device Information

We may collect:

• Device model
• Operating system
• Browser information
• IP address
• Device identifiers
• Security signals
• Login history
• Cookies

Location Information

When permitted by your device settings, UFI may collect:

• GPS location
• Country
• Region
• Time zone
• Network information

Corporate Information (Business Accounts)

If registering a Corporate UFI account, we may collect:

• Company legal name
• Registration number
• Tax number
• Registered address
• Ultimate Beneficial Owners (UBOs)
• Directors
• Authorized representatives
• Business licenses
• Company ownership structure

Why We Collect Your Information

We use your information to:

• Verify your identity
• Prevent fraud
• Detect suspicious activity
• Comply with Anti-Money Laundering (AML) laws
• Comply with Know Your Customer (KYC) regulations
• Provide payment and financial services
• Improve security
• Provide customer support
• Meet legal obligations
• Personalize your experience

AI Processing

UFI may use Artificial Intelligence to:

• Verify identity
• Detect fraud
• Assess account security
• Improve authentication
• Analyze transaction risks

AI decisions are supported by human oversight where legally required.

Data Sharing

We may share information with:

• Identity verification providers
• Banking partners
• Payment processors
• Government authorities (where legally required)
• Regulatory agencies
• Fraud prevention organizations
• Cloud infrastructure providers

We never sell your personal information.

UFI Provider Integration Directory

The complete UFI integration directory is listed below. “Configured” means the required production connection is enabled. “Integration available — not active” means UFI has an integration slot or implementation but the provider must not receive customer data until its required credentials, contract, security review, legal basis, jurisdiction, service workflow, and user authorization are complete.

Directory listing alone does not mean a provider received your data. UFI discloses actual provider use according to the verification workflow, consent, privacy settings, contract, and applicable law.

Data Security

Your information is protected using security controls that may include, where deployed and configured:

• AES-256 encryption
• TLS encryption
• Hardware Security Modules (HSMs)
• Zero Trust architecture
• Multi-factor authentication
• Continuous security monitoring

No system can promise absolute security, and UFI continuously reviews its safeguards.

Data Retention

Your information is retained only for as long as necessary to:

• Provide our services
• Meet legal requirements
• Resolve disputes
• Prevent fraud

Your Rights

Depending on your jurisdiction, you may have the right to:

• Access your information
• Correct inaccurate information
• Delete your information
• Restrict processing
• Export your data
• Withdraw consent (where applicable)
• Object to certain processing activities

Consent

Build Your UFI Trust Score™

Your UFI account is more than a digital identity. By securely verifying and sharing additional information, you can progressively build a dynamic trust profile reflecting the authenticity, completeness, and reliability of verified identity evidence.

A stronger UFI Trust Score™ may help participating organizations make faster and more informed decisions when evaluating your eligibility for financial and professional services.

Your Trust Score™ may be strengthened through verified information such as:

• Verified personal identity
• Government-issued identification
• Verified contact information
• Residential address verification
• Biometric verification
• Employment information
• Education and professional qualifications
• Business ownership and corporate verification
• Financial account verification
• Payment and transaction history
• Credit-related information (where available and legally permitted)
• Regulatory compliance verification
• Professional certifications
• References and endorsements (where supported)
• Additional verified documents that you choose to provide

Potential Benefits

As your verified profile grows, participating organizations may use your UFI Trust Score™ and verified information to support services such as:

• Faster identity verification
• Simplified onboarding
• Loan and financing applications
• Credit assessments
• Banking and fintech services
• Digital wallet activation
• Insurance applications
• Employment verification
• Recruitment and hiring support
• Professional profile and CV verification
• Corporate due diligence
• Vendor and supplier verification
• Cross-border financial services
• Government digital identity services (where supported)
• Access to premium UFI services and partner benefits

Important: A high UFI Trust Score™ does not guarantee approval for a financial product, employment opportunity, government service, or any other service. Each participating organization makes its own decision under its policies and applicable law.

Your Control and Consent

You remain in control of your information.

• You choose what information to provide.
• Some information is required to comply with applicable laws and regulations.
• Additional verified information is generally optional and may enhance your UFI Trust Score™.
• You can review and manage your privacy preferences at any time.
• Your information is protected using industry-standard security and encryption technologies.
• UFI does not sell your personal information to third parties.

User Consent

By selecting “I Agree”, you understand and acknowledge that:

• Your verified information may be used to calculate and continuously update your UFI Trust Score™.
• Your Trust Score™ may be shared with organizations that you explicitly authorize, subject to applicable laws and your privacy settings.
• You authorize UFI to securely process your information to provide identity verification, fraud prevention, compliance, and trust assessment services.
• You understand that providing additional verified information may improve the completeness and reliability of your UFI profile but does not guarantee approval for any service or opportunity.

By selecting “I Agree”, you confirm that:

• You are at least 18 years old or have legal authority to create this account.
• The information you provide is accurate and truthful.
• You consent to UFI collecting, processing, storing, and protecting your information for identity verification, security, fraud prevention, compliance, and service delivery.
• You agree to the Privacy Policy, Terms of Service, and Cookie Policy.