Privacy Policy

As a registered Money Services Business subject to the Bank Secrecy Act (BSA) and the USA PATRIOT Act, we are required by law to collect specific categories of personal information. The information we collect includes:

Identity Information: Full legal name, date of birth, government-issued identification number (such as a Social Security Number or Individual Taxpayer Identification Number), and copies of government-issued photo identification documents as required for Know Your Customer (KYC) verification.

Contact Information: Residential address, mailing address, email address, and telephone number. We use this information to communicate with you about your account, to deliver required regulatory notices, and to fulfill error resolution procedures.

Financial Information: Bank account details, transaction history on the platform, funding sources, and information related to digital asset holdings managed through the Morvanta software wallet.

Technical Information: IP address, browser type and version, operating system, device identifiers, session data, and log files generated during platform use. This information is collected automatically through server logs and similar technologies.

Communications: The content of messages you send to us through contact forms, email, or telephone, including any information you voluntarily provide in those communications.

We use collected information for the following purposes:

Identity Verification and Onboarding: To conduct KYC procedures required under federal law, including the Customer Identification Program (CIP) mandated by the USA PATRIOT Act.

AML Compliance: To screen transactions against applicable watchlists, monitor for suspicious activity, and fulfill Suspicious Activity Report (SAR) filing obligations under 31 U.S.C. § 5318 and related FinCEN regulations.

Platform Operations: To provide access to the trading interface, software wallet, and real-time market data. To process transactions, maintain account records, and send transaction confirmations.

Legal and Regulatory Obligations: To respond to lawful requests from government authorities, to comply with court orders, subpoenas, or other legal processes, and to cooperate with regulatory examinations by FinCEN or other applicable agencies.

Customer Service: To respond to inquiries, process complaints, and fulfill error resolution procedures as required under applicable consumer protection frameworks.

Security: To detect, investigate, and prevent fraud, unauthorized access, and other prohibited activities on the platform.

Our processing of personal information is grounded in the following legal bases:

Legal Obligation: A significant portion of our data processing is required by law. The Bank Secrecy Act (31 U.S.C. § 5311 et seq.), FinCEN regulations (31 C.F.R. Chapter X), and the USA PATRIOT Act impose mandatory data collection, retention, and reporting obligations on Money Services Businesses.

Contractual Necessity: Processing is necessary to perform the services described in our Terms of Use, including account creation, identity verification, and transaction processing.

Legitimate Interests: We process certain technical and operational data based on our legitimate interest in operating a secure, functional, and compliant platform, provided such processing does not override the rights and interests of users.

We do not sell, rent, or trade personal information to third parties for marketing purposes. Disclosure occurs only in the following circumstances:

Regulatory Authorities: We are required by law to file reports with FinCEN, including Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs). We also respond to lawful requests from federal and state law enforcement agencies.

Service Providers: We engage third-party vendors for identity verification, cloud infrastructure, payment processing, and compliance software. These vendors are contractually bound to process data only on our behalf and in accordance with applicable law.

Legal Proceedings: We may disclose information in response to valid court orders, subpoenas, or other legal process, or where we believe disclosure is necessary to protect the rights, property, or safety of the Company, our users, or the public.

Business Transfers: In the event of a merger, acquisition, or asset sale, personal information may be transferred as part of the transaction, subject to the same privacy protections described in this policy.

Under the Bank Secrecy Act and FinCEN regulations, Money Services Businesses are required to retain certain records for a minimum of five years. These records include customer identification documents, transaction records, and AML program documentation. We comply with these mandatory retention periods.

For information not subject to mandatory retention, we retain data only as long as reasonably necessary to fulfill the purposes for which it was collected or as required to resolve disputes and enforce our agreements. Following the applicable retention period, personal data is securely deleted or anonymized.

If you are a California resident, the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act (CPRA), provides you with specific rights regarding your personal information.

Right to Know: You have the right to request disclosure of the categories and specific pieces of personal information we have collected about you, the categories of sources from which it was collected, the purposes for collection, and the categories of third parties with whom we have shared it.

Right to Delete: You may request deletion of personal information we have collected from you, subject to certain exceptions including our legal obligations to retain records under the Bank Secrecy Act.

Right to Opt Out of Sale: We do not sell personal information as defined under the CCPA. No opt-out mechanism is required, but we will honor any opt-out request submitted to us.

Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To submit a CCPA request, contact us at support@morvanta.org or by calling +1 (866) 956-5750. We will respond within 45 days as required by law.

Our website uses cookies and similar tracking technologies. Cookies are small text files placed on your device. We use them for session management, security, and optional analytics purposes. For a full description of the cookies we use and how to manage your preferences, please review our Cookie Policy.

You may adjust cookie preferences at any time using the consent tool displayed on our website. Please note that disabling certain cookies may affect the functionality of the platform.

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. These measures are calibrated to the sensitivity of the information and include access controls, encryption in transit, and internal data handling procedures.

No security system is impenetrable. While we work to protect your information, we cannot guarantee that unauthorized parties will never be able to defeat our security measures. In the event of a data breach that affects your rights, we will notify affected individuals as required by applicable law.

Morvanta does not knowingly collect personal information from individuals under the age of 18. The platform is available only to legal adults who can complete identity verification as required by federal law. If we become aware that we have collected personal information from a minor, we will take steps to delete that information promptly.

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with a revised "Last Updated" date. For material changes that affect how we process your personal information, we will provide additional notice, such as an email notification to verified account holders or a prominent notice on the platform. Continued use of the platform following the effective date of any update constitutes acceptance of the revised policy.

For questions, requests, or concerns regarding this Privacy Policy or our data practices, contact us at: