Privacy Policy
Effective Date: 25th of July 2025
Cross Ocean Finance LLC ("Company", "we", "our", "us") is committed to protecting your personal information and your right to privacy. This Privacy Policy outlines how we collect, use, store, and share your information in accordance with the Florida Information Protection Act (FIPA), Federal Trade Commission (FTC) guidelines, and applicable U.S. federal laws.
We collect the following categories of personal data, either directly from you or automatically through your use of our Website:
Pursuant to applicable AML and Bank Secrecy Act (BSA) regulations, documentation related to financial transactions will be retained for a minimum of five (5) years.
- Personal Identifiers: Name, email address, phone number, mailing address, IP address, and other unique identifiers;
- Financial Information: Where applicable, billing information, including credit card or bank account details (via secure third-party processors);
- Usage Data: Pages visited, browser type, operating system, device information, referring URLs, and interaction metrics;
- Cookies and Similar Technologies: Used for functionality, analytics, and marketing purposes.
- We do not knowingly collect data from minors under the age of 18.
Pursuant to applicable AML and Bank Secrecy Act (BSA) regulations, documentation related to financial transactions will be retained for a minimum of five (5) years.
We may use your information to:
We do not sell, rent, or otherwise share your personal information with third parties for marketing, statistical, or commercial purposes, except as expressly required by applicable U.S. laws.
- Provide and manage our financial services;
- Process payments via third-party providers (e.g., .........);
- Communicate with you about products, updates, and promotions;
- Analyze and improve the performance and security of our Website (e.g., via Google Analytics, Cloudflare);
- Comply with legal and regulatory obligations (e.g., tax reporting, anti-money laundering rules).
We do not sell, rent, or otherwise share your personal information with third parties for marketing, statistical, or commercial purposes, except as expressly required by applicable U.S. laws.
If you access our Website from outside the U.S., you acknowledge that your data may be processed in the United States under U.S. jurisdiction. We rely on your explicit consent, performance of a contract, or legitimate interest as legal bases.
We may share your data with:
We require that all third parties adhere to strict data protection and confidentiality agreements.
- Infrastructure providers: such as Amazon Web Services (AWS) or Google Cloud for hosting and storage;
- Analytics services: including Google Analytics, Meta Pixel, Hotjar;
- Payment processors: such as ............;
- Regulatory authorities or legal counsel, when required by law or in legal proceedings;
- Business partners, in cases where services are co-branded or jointly offered (with notice).
We require that all third parties adhere to strict data protection and confidentiality agreements.
We use cookies and similar technologies for:
Users may manage or block cookies through browser settings. You may manage your preferences at any time. We also offer a cookie consent tool upon first visit (per best practices).
- Session management and site functionality;
- Audience measurement and user behavior analytics;
- Personalized content and retargeted advertising.
Users may manage or block cookies through browser settings. You may manage your preferences at any time. We also offer a cookie consent tool upon first visit (per best practices).
Your information is stored securely and retained only for as long as necessary for the stated purposes, or as required by law. We apply industry-standard safeguards including:
In the event of a data breach, we will notify affected users and authorities as required by FIPA within 30 days.
- HTTPS encryption;
- Access control and user authentication;
- Regular vulnerability scanning and security audits.
In the event of a data breach, we will notify affected users and authorities as required by FIPA within 30 days.
You may:
To exercise these rights, contact us at [insert email address].
- Access or correct your personal information any time;
- Request data deletion or export;
- Object to processing or withdraw consent (where applicable).
To exercise these rights, contact us at [insert email address].
Our Website may contain links to third-party websites. We are not responsible for the privacy practices of such websites.
We may update this Privacy Policy periodically. Updated versions will be posted on this page with a new effective date.