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Privacy Policy

BInvesting Privacy Policy

 

Effective Date: September 5th, 2025

 

Introduction

This Privacy Policy (“Policy”) is designed to help you understand how Banorte Ventures LTD. (“BInvesting”), (collectively, the “Company,” “we,” “us,” or “our”), collect, use, and share your personal information when you visit our websites and use our mobile applications (collectively, the “Sites and Services”). Your use of our Sites and Services and input of your personal information constitute consent. This Policy will explain how our use of your personal information will be in accordance with this Policy and what your choices are regarding the use or correction of your personal information. We encourage you to refer to this Policy on an ongoing basis to stay current on our privacy practices, which may change sporadically to remain compliant with relevant privacy regulations. Your privacy is essential to earning and keeping that trust. This principle drives all the decisions we make, as well as how we gather, use and store any information you provide to us.

The intention of this Privacy Policy is to be written in plain and understandable language to help you comprehend how we may gather and use your non-public personal information and other types of personal information (“Personal Information”) and to let you know and help you exercise your privacy rights.

Company Overview

BInvesting (“BInvesting”, “we”, “us” and/or “our”) currently offer investment advisory services through our website (site) or mobile application (“App”). This Privacy Policy describes how BInvesting treats your Personal Information when you use our Site, App and/or Services. This Privacy Policy is committed to upholding the privacy practices outlined herein, ensuring the protection and responsible handling of your Personal Information across the services we provide.

 

For the purpose of this Privacy Policy, a “User” is a party who creates an online account or visits our Websites or Apps  to use our free financial software and/or to understand or evaluate our Services; and a “Client” is a party (including a User) who signs our Client Agreement to open an Account with us.

This Privacy Policy and our Terms of Use, Cookie Policy and Client Agreements, govern different aspects of your use of our Sites, Apps, and Services.

If you have a BInvesting account or have begun the registration process, please refer to BInvesting’s Financial Privacy Notice for detailed information on how we handle information we collect from consumers or Clients that is covered by the federal Gramm-Leach-Bliley Act or related state financial privacy laws (“Financial Privacy-Covered Data”).

 

Financial Related Data

As part of our financial products and services, we collect certain Personal Information including, but not limited to, your Social Security number, income, birth date, citizenship, marital status, self-portrait photographs, government-issued identification documents, investable assets and financial planning, as well as information about your household, investment objectives, investment experience, investment risk tolerance, approximate net worth, tax information, employment information, stock restrictions, account information from your linked outside financial institutions, financial account and routing numbers, financial account log-in credentials, and security questions associated with your linked accounts. This data is handled in accordance with the federal Gramm-Leach-Bliley Act, which requires financial institutions to protect consumers’ private information, along with applicable state financial privacy laws. We will never rent, sell, or trade your Personal Information to anyone. Please refer to BInvesting’s Financial Privacy Notice, later on in this document.

 

Information Collection

The categories of information we collect from Users differ from what we collect from those who qualify as Clients. Examples of instances when we collect Personal Information include but are not limited to the following:

 

  • When you answer questions on the Site or in the App to determine what kind of portfolio we might recommend if you were to become a client,
  • When you register to open an account,
  • When you contact our client service organization with questions,
  • When you agree to enter one of our Client Agreements.
  • Different information We collect from Users and/or Clients

 

Types of personal Information Collected – Users and Clients

We collect Personal Information from Users and Clients, including but not limited to:

 

  • name, e-mail address, telephone number, zip code, Internet Protocol address, birth date.
  • investable assets, income information, and other financial planning information about your household; and
  • account numbers, routing numbers, and login credentials for the financial accounts you choose to link to our Services, any challenge and/or security questions associated with those linked accounts, and any information contained in those linked accounts. (Note: The section labeled “Information We Collect When Acting as Your Authorized Agent” provides additional details regarding how we use and protect this information.)

 

Additional Information We Collect from Clients Only

  • In addition to the information described above, Clients provide us additional Personal Information, including but not limited to:
  • your full legal name, contact information, birth date, Social Security or equivalent identification number from issuing country, citizenship, and marital status;
  • the full legal name, birth date, and Social Security or equivalent identification number from issuing country of any beneficiaries that Clients choose to list;
  • for purposes of identity verification, government-issued identification documents and self-portrait photographs (“selfie”); and
  • investment objectives, approximate net worth, tax information, and other information required by federal and industry laws and regulations, such as employment information and stock restrictions (see our Client Agreements).

You are not required to provide these items to us to become a User, but Users who choose not to provide these items to us will not be able to become Clients.

 

 

 

Information We Collect When Acting As Your Authorized Agent

Many of BInvesting’s Users and Clients choose to input information from accounts at outside third-party financial institutions onto their BInvesting dashboard on our Site or in our App. Although there is no requirement to do so, if you choose to enable BInvesting to collect information from your outside accounts, BInvesting retrieves your outside account information maintained by your outside financial institutions (“Outside Account Information”) as described in this section.

 

By linking your outside accounts to your BInvesting account, you provide BInvesting access to your Outside Account Information, which may include prior and current account balances, your transaction history, and holdings from your linked outside financial institutions. Portions of this Outside Account Information will be displayed on your BInvesting dashboard. BInvesting may use the Outside Account Information we receive to formulate your financial projections in Path, to move money between your linked outside financial institutions and BInvesting in accordance with your instructions and authorizations, in connection with our fraud prevention activities, or for other purposes consistent with this Privacy Policy and the Services we provide to you. BInvesting may also use aggregated Outside Account Information from our Users and Clients for the purpose of deciding which products and services to offer in the future.

By choosing to use our Services to aggregate and analyze your Outside Account Information, you expressly authorize and direct BInvesting, on your behalf, to access all Outside Account Information available via the login credentials you provide. You also authorize and direct BInvesting periodically to refresh your retrieved Outside Account Information by re-accessing your linked third-party accounts using your login credentials for so long as the ACH link remains active. BInvesting uses Incode Technologies, Inc. (“Incode”) as our third-party service provider for the collection, use, storage, and handling of data in connection with our account aggregation services and for purposes of verifying the outside accounts. BInvesting does not store the login credentials for your linked third-party accounts after the credentials have been transmitted, but we may store your login names in encrypted form for purposes of fraud detection and prevention. As BInvesting’s service provider, Incode is responsible for storing your credentials, collecting and processing your Outside Account Information, and providing it to us using the login credentials you supply. You can view Incode privacy notice by clicking here. Any Outside Account Information that BInvesting receives is in read-only format, and BInvesting cannot alter the Outside Account Information maintained by your third-party institution. All transmissions of your Outside Account Information and your login credentials are encrypted in transit. BInvesting retains your Outside Account Information collected via the account-linking service in accordance with our regulatory recordkeeping requirements, as permitted by law, as described elsewhere in this Privacy Policy, and as required in connection with the maintenance of your account and the Services we provide to you.

 

Users may request deletion of their Outside Account Information in accordance with the “Retention and Deletion” section below. BInvesting does not share your Outside Account Information with outside parties except in limited cases relating to fraud investigations. In such fraud investigations, we may share certain aspects of your Outside Account Information with your linked third-party institution. We also reserve the right to share Outside Account Information with third parties as required by law. If you choose to remove or deactivate a link to an account with a third-party institution, we will not retrieve any new Outside Account Information for that account unless you re-link that account in the future.

 

Information Regarding Children

 

BInvesting does not knowingly collect or solicit directly or indirectly children’s personal information. Due to the nature of our services, our Products or Services are not directly available to minors. Only in cases of beneficiary information, Personal information from children could be collected with the express consent of a parent or legal guardian. If you are under the age of 18, please do not submit any Personal Information to BInvesting.

 

If you are a parent or guardian who becomes aware that, without your consent, your child under the age of 18 has directly provided us with Personal Information, you should contact us at [email protected], and we will delete such information from our files to the extent permitted by regulatory requirements. If BInvesting becomes aware that a minor’s information has been collected without proper consent, it will be immediately deleted from all our records and databases.

 

Other Ways We Collect Information

Other means by which we collect Personal Information include the following:

  • Automatic Data Collection. When you use our Services, we may collect your Internet protocol (“IP”) address; cookie identifiers; mobile carrier, mobile advertising and other unique identifiers; details about your browser, operating system or device; location information; Internet service provider information; pages that you visit before, during and after using the Services; information about the links you click; and other information about how you use the Services. Information we collect may be associated with accounts and other devices.
  • Anonymized or Aggregated Information. BInvesting’s Site and App record certain anonymized or aggregated information about your use or evaluation of our Services. Anonymized or aggregated information is used for a variety of purposes, including the measurement of Users’ and Clients’ interest in and use of various portions or features of the Site and App. Anonymized or aggregated information is not Personal Information, and we may use such information in a number of ways, including for internal analysis and research. We may share this information with third parties for our purposes in an anonymized or aggregated form that is designed to prevent anyone from identifying you.

Surveys

 

We may contact you to participate in surveys. If you decide to participate, you may be asked to provide certain information which may also include Personal Information.

 

How we use Information

  • No Renting, Selling or Trading Out List
  • We will never rent, sell, or trade your Personal Information to anyone. Ever.

User Personal Information

We utilize the Personal Information of our Users for a variety of business purposes, such as to help our Users evaluate our Services, offer new products and services, enhance our Services, and for research and internal analysis.

 

 

 

Client Personal Information

BInvesting stores, processes, and maintains Personal Information of our Clients for a variety of business reasons such as to provide client support, analyze and improve our Services, offer new products and services, and provide our Services to Clients in accordance with the rules of regulatory authorities.

 

 

Identity Verification for Clients

We may use third-party vendors for identity verification. These vendors analyze whether the Client’s “selfie” matches the government-issued identity document. The information collected from Client photographs may constitute biometric information in some jurisdictions. Where required by law, we will seek consent from you prior to any such collection. We require our third-party vendors who support identity verification to agree to destroy any potential biometric data that is created or gathered for purposes of verifying your identity once it is no longer necessary.

 

Cross-Device Tracking

Your browsing activity may be tracked across different websites and different devices or apps. For example, we may attempt to match your browsing activity on your mobile device with your browsing activity on your computer. To do this, we may analyze your browsing patterns, geo-location and device identifiers to match the information of the browser and devices that appear to be used by the same person.

 

Social Media and Links to Other Websites and Applications

This Privacy Policy and these terms apply only to BInvesting-operated Services and applications. Please note that our Site and Apps may for your convenience contain links to other websites, applications, social media accounts, and information that are not operated by BInvesting. BInvesting does not control these linked third-party websites or their privacy practices, which may differ from those set out in this Privacy Policy. Any Personal Information you choose to provide to linked third parties is not covered by this Privacy Policy. We encourage you to review the privacy policy of each company or website before submitting any Personal Information. Some third parties may choose to share their users’ Personal Information with us; that sharing is governed by that company’s privacy policy, not this Privacy Policy.

 

 

Mobile Computing

BInvesting provides websites and online resources that are specifically designed to be compatible with mobile computing devices. Mobile versions of our Site are governed by the provisions here under related to the Site and may require that you log in with an account. In such cases, information about the use of each mobile version of the website may be associated with your accounts. In addition, we may enable individuals to download tools, such as an application, widget or other tool, that can be used on mobile or other computing devices. Some of these tools may store information on mobile or other devices. These tools may transmit Personal Information to BInvesting to enable you to access your account information and to enable us to track the use of these tools. Some of these tools may enable users to e-mail reports and other information from the tool. We may use Personal Information or non-identifiable information transmitted to us to enhance these tools, to develop new tools, for quality improvement, and as otherwise described in this Privacy Policy or in other notices we provide.

 

Information Sharing and Onward Transfer

We will not share or disclose your Personal Information (whether you are a current or former User or Client) to any unaffiliated third parties except:

 

To Protect Ourselves or Others. We may share your Personal Information as required by law, such as when we reasonably believe it is necessary or appropriate to investigate, prevent, or take action regarding illegal activities, suspected fraud, front-running or scalping, situations involving potential threats to the personal safety of any person if we believe doing so is required or appropriate to: comply with law enforcement or national security requests and legal process, such as a court order or subpoena; to protect your, our or others’ rights, property, or safety; enforce our policies or contracts; or collect amounts owed to us.

 

Affiliates.

BInvesting may share your Personal Information among affiliated BInvesting entities in connection with the provision of Services to Clients and Users.

 

 

 

Service Providers.

There are certain circumstances in which we may share your Personal Information with unaffiliated third-party service providers, including to perform certain business and technology-related functions and to support the provision of the Services. We may share your Personal Information with unaffiliated third-party service providers for the provision of certain services, including but not limited to the following: mailing information; trade settlement and clearing; data processing and storage; payment processing; identification verification and fraud detection; customer support; and marketing. You understand and agree that our third-party identity verification and fraud detection service providers may use your Personal Information, including your name, address, date of birth, and mobile phone number, to help us verify your identity. These service providers are required to protect your information and use it only for the purposes for which it was disclosed. We do not share Personal Information with any third parties for their own marketing purposes.

 

Business Partners.

We may provide Personal Information to business partners with whom we jointly offer products or services. For example, we may share the information required to become a Client with our brokerage partner(s) solely to allow our brokerage partner(s) to provide and facilitate the provision of Services to our Clients.

 

Disclosure in the Event of Merger, Sale, or Other Asset Transfers.

If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, then your Personal Information may be transferred as part of such a transaction, as permitted by law and/or contract.

Your Choices and Opting Out

You have choices regarding the use and disclosure of your Personal Information, as set out in this Privacy Policy.

You may decline to provide Personal Information to BInvesting. Declining to provide Personal Information may prevent you from using BInvesting Services, the Site, the App, and other features that require certain Personal Information in order to properly service you.

 

 

 

Opting Out – Obtaining and Withdrawing Consent

Where you have consented to BInvesting’s use of your Personal Information, you may withdraw that consent at any time by contacting us by email or physical mail via the contacts indicated under the “FAQ & Contacting Us” section below: binvesting.us/contact. Clients and Users cannot opt out of providing BInvesting Personal Information and continue to use the Services. Even if you opt out, we may still collect and use non-personal information regarding your activities on our Services and for other legal and regulatory purposes as described above. In addition to withdrawing consent by contacting us, Clients and Users must close their account(s) in order to opt out of further providing BInvesting with Personal Information.

Before we use Personal Information for any new purpose we will provide information regarding the new purpose.

 

Email and Telephone Communications.

BInvesting may use your Personal Information to communicate with you regarding our Services or to tell you about blog posts or Services that we believe will be of interest to you. If you decide at any time that you no longer wish to receive marketing communications from us, please follow the “unsubscribe” instructions provided in the e-mail communications, use the website: binvesting.us/contact or contact us at [email protected]. Please note that you cannot opt out of administrative communications such as regulatory, billing, or service notifications, or updates to our Terms or Policies.

 

Mobile Devices

We may send you push notifications through our mobile application. You may at any time opt out of receiving these types of communications by changing the settings on your mobile device. We may also collect location-based information if you use our mobile applications. You may opt-out of this collection by changing the settings on your mobile device.

 

Accessing Your Personal Information

Users or Clients may contact us at [email protected] to request information about how to access your Personal Information.

 

BInvesting provides all Clients with continuous access to their Personal Information via the Site or App which contains information including but not limited to account status, securities positions, and balances.

Clients can access or amend their Personal Information at any time by signing into their BInvesting account via our Site or App.

Your requests will be processed in accordance with existing laws, including without undue delay and in accordance with any required time frames. Although BInvesting makes good faith efforts to provide individuals with access to their Personal Information, there may be circumstances in which we are unable to provide access, including but not limited to: where the information is protected from disclosure by certain privileges and protections, where doing so would compromise others’ privacy or other legitimate rights, where the burden or expense of providing access would be disproportionate to the risks to the individual’s privacy in the case in question, or where it is commercially proprietary. If we determine that access should be restricted in any particular instance, we will endeavor to provide you with an explanation of why that determination has been made within one month of the request, a contact point for any further inquiries, and any other legally required information. To protect your privacy, we will take commercially reasonable steps to verify your identity before granting access or making any changes to your Personal Information.

Retention and Deletion

BInvesting retains the Personal Information we receive as described in this Privacy Policy for as long as you use our Site, App, or Services, or as necessary to fulfill the purpose(s) for which it was collected, to provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, or as otherwise required to comply with contracts and comply with all applicable laws.

Due to regulatory recordkeeping obligations, we may retain information related to you and your account, as well as any data related to your trades, in accordance with applicable laws. In no case will we share any individual trading data unless required by regulators or other government bodies, to support processing of settlement of your transactions, or in accordance with applicable laws.

Client Deletion Requests. In connection with separate regulatory recordkeeping obligations imposed on BInvesting, we generally must maintain and cannot delete Personal Information associated with our clients.

 

Data Security and Integrity

Your information’s security, integrity, and confidentiality are enormously important to us. We have implemented technical, administrative, and physical security measures to protect client information from unauthorized access, disclosure, use, and modification. We constantly review our security procedures to consider appropriate new technology and methods. Please be aware that, despite our best efforts, no security measures are perfect or impenetrable. BInvesting takes reasonable steps, in addition to regulatory requirements, to use appropriate technical or organizational measures, to protect your Personal Information from loss, misuse, unauthorized access, alteration, disclosure, or destruction. However, as mentioned, no Internet, email, or electronic operating system that enables the transmission of data is ever fully secure or error-free; therefore, we cannot ensure or guarantee one hundred percent security of any information you transmit to us.

 

International Transfers of Data

BInvesting may transfer Personal Information internationally. We handle any Personal Information transferred internationally in accordance with pertinent privacy framework and take measures to protect that information,

 

Federal Privacy Laws

Please be aware that certain federal privacy laws govern the collection and record keeping of nonpublic Personal Information collected by BInvesting, and state privacy laws may be inapplicable in certain situations related to such Personal Information.

 

Notice to California Residents

To the extent not covered by the federal privacy regulations noted above, California residents may have the following rights with respect to data collected by BInvesting.

 

California law permits Users and Clients who are residents of California to request and obtain from us once a year, free of charge, a list of the third parties to whom we have disclosed their Personal Information (if any) for those third parties’ direct marketing purposes in the prior calendar year, as well as the type of Personal Information disclosed to those parties. Please note that this disclosure requirement only applies if Personal Information is shared with third parties for those third parties to directly market their own products to those consumers, and BInvesting does not share Personal Information for such purposes.

Under the California Consumer Privacy Act (CCPA) Users who are California residents may make reasonable request and obtain from us twice a year, free of charge, information related to Personal Information we have collected in the 12 months preceding the request.

As noted above in the “Retention and Deletion” section, Users may also request the deletion of Personal Information BInvesting has collected. Due to some separate retention and record keeping regulatory requirements imposed on BInvesting, certain requests to delete information cannot be accommodated.

Changes to this Privacy Policy

We may update this Privacy Policy periodically as we deem necessary at our sole discretion. If there are material changes to this Privacy Policy, we will notify you as required by applicable law.

 

BInvesting encourages you to review this Policy regularly to be informed regarding how we use and protect your information and to be aware of any policy changes. Your continued relationship with BInvesting after the posting or notice of any amended Privacy Policy shall constitute your agreement to be bound by any such changes. Any changes to this Privacy Policy will take effect immediately after being posted or otherwise provided to you by us. Each version of this Privacy Policy will be identified on this page by its effective date.

This document constitutes BInvesting’s complete Privacy Policy and its affiliates and the Services, Sites and Apps.

 

Comments, questions & Contact information

If you have comments or questions regarding our Privacy Policy or would like to submit a request to exercise your privacy rights as well as any other concerns on this site. Please contact us either by phone or Physical mail at:

 

BInvesting

5075 Westheimer Rd., Ste. 975W
Houston, TX 77056

[email protected]

Phone: 713-980-4690