Legal & Compliance

Transfer Hub is committed to protecting the privacy of our users. This Privacy Policy describes how we collect, use, and share information when you use our platform.

We collect information you provide directly, such as your name, email, business information, and banking details when you create an account or use our services. We also collect transaction data, usage data, and device information to improve our platform and comply with regulatory requirements.

We use your information to provide and maintain our services, process transactions, verify your identity, comply with legal obligations, communicate with you about your account, and improve our platform.

We do not sell your personal information. We may share information with service providers who assist in operating our platform, financial institutions for transaction processing, regulatory authorities when required by law, and affiliated companies as needed to provide our services.

We implement industry-standard security measures to protect your data, including encryption at rest and in transit, access controls, and regular security audits.

You have the right to access, correct, or delete your personal information. Contact us at privacy@transferhub.com for any privacy-related requests.

These Terms of Service govern your use of Transfer Hub's platform and services. By accessing or using our services, you agree to be bound by these terms.

To use Transfer Hub, you must be at least 18 years of age, provide accurate and complete registration information, maintain the security of your account credentials, and comply with all applicable laws and regulations.

Transfer Hub provides a platform for foreign exchange operations, including but not limited to currency conversion, wallet management, deposit processing, and payout management. All services are subject to compliance verification and administrative approval.

Transfer Hub reserves the right to refuse service, suspend accounts, modify pricing, or discontinue features at any time. We are not liable for losses due to market fluctuations, delayed processing, or circumstances beyond our control.

Users are prohibited from using the platform for money laundering, terrorist financing, fraud, or any other illegal activity. Violation of these terms may result in immediate account termination and reporting to relevant authorities.

These terms are governed by the laws of the Republic of Trinidad and Tobago. Any disputes shall be resolved through binding arbitration in Port of Spain, Trinidad.

Transfer Hub is committed to preventing money laundering and terrorist financing. Our AML policy is designed to comply with the Proceeds of Crime Act of Trinidad and Tobago, the Financial Intelligence Unit of Trinidad and Tobago (FIUTT) guidelines, the Financial Action Task Force (FATF) recommendations, and all applicable international AML/CFT regulations.

All users must complete Know Your Customer (KYC) verification before accessing platform services. Business accounts require additional Know Your Business (KYB) documentation including business registration, director identification, and proof of business address.

We conduct ongoing monitoring of all transactions on our platform. Unusual or suspicious activities are flagged for review. Transaction monitoring includes volume thresholds, pattern analysis, geographic risk assessment, and counterparty screening.

When suspicious activity is identified, Transfer Hub will file a Suspicious Activity Report (SAR) with the Financial Intelligence Unit of Trinidad and Tobago (FIUTT) and cooperate fully with any subsequent investigation.

We maintain comprehensive records of all customer information and transactions for a minimum of five years, in accordance with regulatory requirements. These records are available for inspection by regulatory authorities upon request.

All Transfer Hub employees receive regular AML training covering identification of suspicious activities, reporting procedures, and regulatory updates.

Transfer Hub requires all users to complete identity verification before accessing financial services. This policy outlines our Know Your Customer (KYC) and Know Your Business (KYB) requirements.

Individual accounts require a government-issued photo ID (passport, national ID, or driver's license), proof of address (utility bill or bank statement dated within 3 months), and a selfie for identity confirmation.

Business accounts require all individual KYC documents for directors and beneficial owners, certificate of incorporation or business registration, proof of business address, articles of association or partnership agreement, and a description of business activities and expected transaction volumes.

Enhanced due diligence is applied to politically exposed persons (PEPs), high-risk jurisdictions, high-volume accounts, and complex business structures.

We conduct periodic reviews of customer information and may request updated documentation. Failure to provide requested documentation may result in account restrictions or closure.

Transfer Hub operates in compliance with all applicable financial regulations in the jurisdictions where we provide services.

Our compliance framework addresses the Central Bank of Trinidad and Tobago (CBTT) regulations, the Proceeds of Crime Act (Chapter 11:27), the Anti-Terrorism Act (Chapter 12:07), the Financial Obligations Regulations, and applicable FATF recommendations for virtual asset service providers.

Our compliance team monitors regulatory changes and updates our policies and procedures accordingly. We maintain open communication with regulatory authorities and participate in industry consultations.

Transfer Hub maintains a formal complaints handling process. If you have a compliance concern, contact compliance@transferhub.com. All complaints are reviewed within 5 business days and resolved within 30 calendar days.

Transfer Hub cooperates fully with law enforcement and regulatory authorities in connection with investigations related to money laundering, terrorist financing, fraud, and other financial crimes.

Transfer Hub retains data in accordance with regulatory requirements and operational needs.

Customer identification records are retained for a minimum of 5 years after account closure. Transaction records are retained for a minimum of 5 years from the date of the transaction. Communication records are retained for 3 years. System logs are retained for 1 year.

Upon expiry of the retention period, data is securely deleted using industry-standard data destruction methods. Users may request early deletion of non-regulatory data by contacting our privacy team.