Privacy Policy

Last updated: [Month Day, Year]

1. Introduction Aurora Crest Investments ("Aurora Crest Investments," "we," "us," or "our") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, use our services, or otherwise interact with us in the United States.

By accessing or using our services, you agree to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not access the website or use our services.

2. Information We Collect We may collect the following categories of information:

2.1 Personal Information Information that identifies, relates to, describes, or can reasonably be linked to you, including:

• Name, address, email address, and telephone number
• Date of birth and government-issued identification numbers (where legally permitted and required, e.g., Social Security Number or taxpayer identification number)
• Account usernames and passwords
• Financial information (such as bank account details, investment account details, income, net worth, and investment objectives)
• Employment and professional information
• Any information you provide when you contact us, complete forms, or request information

2.2 Usage and Technical Information When you access or use our website or online services, we may automatically collect:

• IP address and approximate geolocation
• Browser type, device type, operating system, and device identifiers
• Pages viewed, links clicked, and the date and time of your visits
• Cookies, web beacons, and similar tracking technologies data

2.3 Information from Third Parties We may receive information about you from:

• Service providers and business partners (e.g., identity verification, analytics, marketing)
• Public databases and publicly available sources
• Credit bureaus and consumer reporting agencies (where permitted by law and with any required consents)

3. How We Use Your Information We use the information we collect for the following purposes:

   • To provide, maintain, and service our investment products and related services
   • To open, manage, and administer your accounts with us
   • To verify your identity and conduct due diligence, including anti-money laundering and fraud prevention checks
   • To process transactions, execute investment instructions, and provide confirmations and statements
   • To communicate with you about your accounts, our services, and changes to our terms and policies
   • To respond to your inquiries and provide customer support
   • To personalize your experience and improve our website, products, and services
   • To conduct research, analytics, and performance measurement
   • To comply with applicable laws, regulations, and legal processes, including regulatory reporting
   • To protect the security and integrity of our systems, our clients, and our business
   • For any other purpose disclosed to you at the time we collect your information or with your consent

4. Legal Bases for Processing (if applicable) Where required by law, we will only process your personal information when we have a lawful basis, such as:

   • Your consent
   • Performance of a contract with you or to take steps at your request before entering into a contract
   • Compliance with legal or regulatory obligations
   • Our legitimate interests, such as operating and improving our services, preventing fraud, and ensuring network and information security, provided they do not override your rights and interests

5. Cookies and Tracking Technologies We use cookies and similar technologies to:

   • Recognize you and maintain your session when you use our website
   • Understand how you use our website and improve its performance and usability
   • Analyze usage trends and administer the website

You can control cookies through your browser settings. However, disabling cookies may limit certain features or functionality of our website.

6. How We Share Your Information We do not sell your personal information. We may share your information in the following circumstances:

6.1 Service Providers We may share information with third-party vendors, consultants, and other service providers who perform services on our behalf, such as:

• Technology and hosting providers
• Payment processors and custodians
• Identity verification and compliance service providers
• Professional advisors (e.g., auditors, lawyers, accountants)

These parties are required to protect your information and use it only for the purposes for which it was disclosed.

6.2 Affiliates and Business Partners We may share information with our affiliates and certain business partners to provide and improve our investment services, consistent with applicable law and, where required, your consent.

6.3 Legal and Regulatory Disclosures We may disclose information as required or permitted by law, including:

• To comply with applicable laws, regulations, and legal processes
• To respond to requests from regulatory, supervisory, or government authorities
• To protect the rights, property, or safety of Aurora Crest Investments, our clients, or others
• To prevent or investigate fraud, security, or technical issues

6.4 Business Transfers If we are involved in a merger, acquisition, reorganization, asset sale, or similar transaction, your information may be transferred as part of that transaction. We will take reasonable steps to ensure the recipient handles your information consistently with this Privacy Policy.

7. Data Security We use reasonable physical, technical, and administrative safeguards to protect personal information from loss, misuse, unauthorized access, disclosure, alteration, and destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Data Retention We retain personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with our legal and regulatory obligations, to resolve disputes, and to enforce our agreements. Retention periods may vary based on the type of information and applicable legal requirements.

9. Your Choices and Rights Depending on applicable law, you may have certain rights regarding your personal information, such as:

   • Access: Request access to the personal information we hold about you.
   • Correction: Request that we correct or update inaccurate or incomplete information.
   • Deletion: Request deletion of certain personal information, subject to legal and regulatory obligations.
   • Restriction: Request that we limit the use of your personal information in certain circumstances.
   • Objection: Object to certain processing activities, where permitted by law.
   • Consent Withdrawal: Where we rely on your consent, you may withdraw it at any time, without affecting the lawfulness of processing before the withdrawal.

To exercise your rights, please contact us using the details in the "Contact Us" section below. We may need to verify your identity before fulfilling your request and may not be able to comply with a request where we have legal or regulatory obligations to retain or use your information.

10. Children’s Privacy Our services are not directed to, and we do not knowingly collect personal information from, children under the age of 13. If we become aware that we have collected personal information from a child under 13 without verifiable parental consent, we will take steps to delete that information as required by law.

11. Third-Party Websites and Services Our website may contain links to third-party websites, services, or content that we do not own or control. This Privacy Policy does not apply to those third parties. We are not responsible for the privacy practices of third parties, and we encourage you to review their privacy policies.

12. Do Not Track Some browsers offer a "Do Not Track" (DNT) feature. At this time, we do not respond to DNT signals because there is no universal standard for recognizing or responding to such signals. We will review and may update our approach if a standard is adopted.

13. Changes to This Privacy Policy We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make changes, we will revise the "Last updated" date at the top of this policy. Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

14. Contact Us If you have any questions or concerns about this Privacy Policy or our privacy practices, or if you wish to exercise your rights, please contact us at:

Aurora Crest Investments [Address] [City, State, ZIP] United States Email: [contact email] Phone: [contact phone number]

Please do not include sensitive personal information in unencrypted email communications.