Privacy Policy

Effective Date: March 12, 2025

BANORTE VENTURES, LTD (doing business as BInvesting) (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website (https://binvesting.us), use our services, or interact with us through SMS/MMS messaging or other means. By using our services, you agree to the terms of this Privacy Policy.

This Privacy Policy incorporates our customer consent processes (including biometric data collection via Incode), our SMS/MMS Terms and Conditions, and aligns with applicable privacy laws and notices.

1. Information We Collect

We collect information from you in various ways, including:

a. Personal Information You Provide

• Contact Information: Name, email address, phone number, mailing address.
• Identity Verification: Information submitted for identity verification via Incode, such as government-issued ID details and biometric data (e.g., facial scans), as described in Section 2.
• Financial Information: Banking details, investment preferences, or other data provided when using our services.
• Communications: Information you provide when contacting us via email, SMS, or other channels.

b. Automatically Collected Information

• Usage Data: IP address, browser type, device information, pages visited, and time spent on our website.
• Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience and analyze usage trends. You can manage cookie preferences through your browser settings.

c. Information from Third Parties

• Affiliates, partners, or service providers (e.g., Incode for identity verification) may share information with us to facilitate our services.

2. Biometric Data Collection and Consent (Incode Integration)

As part of our identity verification process, we use Incode, a third-party service provider, to collect and process biometric data. This is outlined in the BInvesting-Incode Customer Consent document (available at https://content.binvesting.us/files/BInvesting-IncodeCustomerConsentUpdated_en.pdf).

• What We Collect: Biometric data, including facial scans derived from photos or videos you submit during identity verification.
• Purpose: To verify your identity, prevent fraud, and comply with legal or regulatory requirements.
• Consent: By agreeing to this Privacy Policy and using our services, you consent to the collection, use, and storage of your biometric data as described. You may revoke this consent at any time by contacting us (see Section 11), though this may limit your ability to use certain services.
• Retention: Biometric data is retained only as long as necessary for verification purposes or as required by law, after which it is securely deleted.
• Third-Party Processing: Incode processes this data on our behalf and is bound by strict confidentiality and security obligations.

3. How We Use Your Information

We use your information for the following purposes:

• To provide, maintain, and improve our services, including investment-related offerings.
• To verify your identity and prevent fraud (via Incode).
• To communicate with you, including sending transactional emails, SMS/MMS messages, or marketing materials (with your consent where required).
• To comply with legal obligations and protect our rights.
• To analyze usage trends and personalize your experience.

4. How We Share Your Information

We may share your information with:

• Affiliates: Companies within the BInvesting family for operational or marketing purposes (see Section 7 for opt-out options).
• Service Providers: Third parties like Incode, payment processors, or IT vendors who assist us in delivering services.
• Legal Authorities: When required by law, subpoena, or to protect our rights, safety, or property.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.

We do not sell your personal information to third parties for their own marketing purposes.

5. SMS and MMS Terms and Conditions

When you opt in to our SMS/MMS service, we will send you updates, alerts, and promotional messages related to your BInvesting account and investment opportunities.

• Opt-In: By providing your phone number and opting in, you agree to receive SMS/MMS messages from us.
• Opt-Out: You can cancel the service at any time by texting “STOP” to 55555. Upon receiving your “STOP” message, we will send a confirmation SMS that you have been unsubscribed. You will not receive additional messages unless you opt in again.
• Help: For more information, text “HELP” to 55555, and we will respond with instructions on how to use our service and unsubscribe.
• Supported Carriers: We deliver messages via major carriers (e.g., AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS, U.S. Cellular, Alltel, Boost Mobile, Nextel, Virgin Mobile) and minor carriers (e.g., Alaska Communications Systems, Bluegrass Cellular, Cricket, etc.). Carriers are not liable for delayed or undelivered messages.
• Costs: Message and data rates may apply. You will receive up to 5 messages per month. Contact your wireless provider for details about your text or data plan.
• Contact Us: For questions about this service, email us at [email protected].
• Privacy: See this Privacy Policy for details on how we handle your information.

6. Your Choices and Rights

• Marketing Communications: You may opt out of marketing emails by clicking “unsubscribe” in the email or contacting us. For SMS/MMS, text “STOP” to 55555.
• Cookies: Adjust your browser settings to disable cookies.
• Biometric Data: Revoke consent by contacting us (though this may affect service availability).
• Access and Correction: Request access to or correction of your personal information by emailing [email protected].

7. Affiliate Sharing and Opt-Out

We may share your information with affiliates for marketing purposes. You can opt out of this sharing by:

• Emailing [email protected] with “Opt-Out Affiliate Sharing” in the subject line.
• Calling us at 1-800-BINVEST (1-800-246-8378).
• Mailing us at:
  BInvesting
  Attn: Privacy Opt-Out
  5075 Westheimer Rd Suite 975W
  Houston, TX 77056

Opting out will not affect your ability to use our services.

8. Data Security

We implement reasonable physical, technical, and administrative safeguards to protect your information. However, no system is 100% secure, and we cannot guarantee absolute security.

9. Data Retention

We retain your information only as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Biometric data is deleted after verification unless retention is legally mandated.

10. Children’s Privacy

Our services are not directed to individuals under 18. If we learn we have collected information from a minor, we will delete it promptly.

11. Contact Us

For questions, requests, or complaints about this Privacy Policy or our practices, contact us at:

• Email: [email protected]
• Phone: 1-800-BINVEST (1-800-246-8378)
• Mail:
  BInvesting
  Attn: Privacy Office
  5075 Westheimer Rd Suite 975W
  Houston, TX 77056

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Effective Date.” Your continued use of our services after changes constitutes acceptance of the revised policy.

Note: This Privacy Policy has been crafted to reflect BInvesting’s operations as of March 12, 2025, with the updated address at 5075 Westheimer Rd Suite 975W, Houston, TX 77056. Please consult your legal team to ensure compliance with all applicable laws (e.g., GDPR, CCPA, TCPA) and to finalize placeholder values (e.g., short code 55555, phone number). Links to external documents should be verified for accessibility.