Last updated: January 2026

1. Introduction

This Privacy Policy explains how COZMUS (“we”, “our”, or “us”) collects, uses, stores, and protects information in connection with the use of our platform, products, services, software, and financial infrastructure (collectively, the “Services”).

COZMUS operates as a financial infrastructure provider for businesses and regulated entities. Privacy and data protection are fundamental to the trust placed in our systems.

2. Scope of This Policy

This Privacy Policy applies to information collected through the COZMUS website, dashboards, APIs, integrations, and operational systems. It does not apply to third-party services, websites, or platforms that may integrate with or link to COZMUS.

3. Information We Collect

We collect information that is necessary to provide financial services, comply with regulatory obligations, manage risk, and operate our infrastructure securely.

Information may include:

  • Business and entity details (legal name, registration data, address)
  • Authorized user and representative information
  • Contact information such as email addresses and phone numbers
  • Transaction, settlement, and operational data
  • Technical data including IP addresses, device identifiers, and logs
  • Compliance-related information required by law (e.g. KYC/AML data)

4. How We Use Information

Information collected by COZMUS is used strictly for legitimate and defined purposes, including:

  • Providing, operating, and maintaining the Services
  • Transaction processing, settlement, and reconciliation
  • Compliance with legal, regulatory, and reporting obligations
  • Fraud prevention, monitoring, and risk management
  • Customer support, communications, and service updates
  • System security, auditing, and performance optimization

5. Legal and Regulatory Processing

As a financial infrastructure provider, COZMUS is required to process certain data to meet regulatory, supervisory, and legal requirements. This may include identity verification, transaction monitoring, and reporting to authorities where mandated by law.

6. Data Sharing and Disclosure

COZMUS does not sell personal data. Information may be shared only when necessary and lawful, including with:

  • Regulators, government authorities, and law enforcement agencies
  • Financial institutions, payment networks, and processing partners
  • Service providers supporting infrastructure, security, or operations
  • Auditors, legal advisors, and compliance consultants

All third parties are required to handle data in accordance with applicable confidentiality and data protection obligations.

7. International Data Transfers

COZMUS operates globally and may process data across multiple jurisdictions. Where data is transferred internationally, appropriate safeguards are implemented in accordance with applicable data protection laws.

8. Data Retention

Information is retained only for as long as necessary to fulfill operational, contractual, and regulatory requirements. Retention periods may vary depending on the nature of the data and applicable legal obligations.

9. Data Security

COZMUS implements technical and organizational security measures designed to protect information against unauthorized access, loss, misuse, alteration, or disclosure.

These measures include access controls, encryption, monitoring, logging, and periodic security assessments.

10. Your Rights

Depending on your jurisdiction, you may have rights relating to your personal data, including the right to request access, correction, or deletion, subject to legal and regulatory limitations.

Requests may be limited where retention or processing is required by law, regulation, or legitimate business purposes.

11. Cookies and Tracking

COZMUS may use cookies and similar technologies for security, performance, and user experience purposes. These technologies are not used for advertising or behavioral profiling.

12. Changes to This Policy

This Privacy Policy may be updated from time to time to reflect changes in legal requirements, operational practices, or services. Updates will be effective upon publication.

13. Contact Information

For privacy-related questions or requests, please contact privacy@cozmus.com.