Privacy Policy – Yonobi (Fuji Exchange Limited)

Fuji Exchange Limited (“Yonobi”, “we”, “our”, “us”) respects your privacy. This Privacy Policy explains how we collect, use, store, and protect your information when you visit our website https://yonobi.io/ or use our services.

1. Who We Are

Trading name: Yonobi
Legal entity: Zoharix Pay Ltd.
Headquarters: 68 Wakefield Crt, Middle Sackville, NS B4E 0H1, Canada
Contact: privacy@yonobi.io

2. Information We Collect

We may collect the following categories of information:

Personal Information – name, email address, phone number, identity information (if you apply for services).
Legal Financial Information – only if you use our services (bank details, payment info).entity: Fuji Exchange Limited
Technical Data – IP address, browser type, cookies, device identifiers.
Usage Data – pages viewed, actions taken on our website.

3. How We Use Your Information

We process data for:

Providing and improving our services.
Performing identity verification and regulatory KYC obligations.
Meeting legal and regulatory requirements (PIPEDA, PCMLTFA/FINTRAC, RPAA).
Communicating with you about updates, products, or support.
Ensuring security and preventing fraud.

4. Legal Basis for Processing

Consent (when you sign up, opt-in).
Contract (to provide services requested).
Legal Obligations (AML/ATF laws, financial regulations).
Legitimate Interests (improving services, preventing abuse).

5. Sharing of Information

We may share data with:

Regulators (e.g., FINTRAC, Bank of Canada, EU/UK regulators).
Third-party service providers (e.g., Sonect UAB, Sonect AG, AGF Processing AG, Finhub UK Limited) under strict contracts.
Law enforcement where legally required.

We never sell your personal data.

6. Data Transfers

Where data is transferred outside Canada, the EU, or UK, we apply:

Standard Contractual Clauses (SCCs)
UK IDTA
Adequacy decisions

7. Retention

We retain personal information for at least 8 years following the end of a business relationship, as required by FINTRAC and RPAA.

8. Your Rights

Depending on your jurisdiction, you have the right to:

Access your data
Rectify inaccuracies
Withdraw consent
Request deletion (subject to legal requirements)
File a complaint with OPC (Canada) or local data protection authority

9. Cookies

We use cookies for website functionality, analytics, and security. You may manage cookies through your browser settings.

10. Contact Us

If you have any privacy-related questions, contact us:
Email: privacy@yonobi.io
Address: ZOHARIX PAY LTD., 68 Wakefield Crt, Middle Sackville, NS B4E 0H1, Canada Reg: BC1536471, MSB Registration Number: C10001568