1. Data controller
The controller of the personal data you provide to us is Unique Capital, Sociedad Cooperativa de Ahorro y Crédito de Responsabilidad Limitada de Capital Variable, whose registered office is at 1a Calle Poniente y 45 Av. Norte, Edificio 245, Col. Flor Blanca, San Salvador. You may contact us at soporte@somosuniquecapital.com.
2. What data we collect
- Identification: name, DUI or equivalent document, NIT, date of birth, nationality, and the photos of your document and of you holding your document.
- Contact: email address, phone number and address, together with a utility bill.
- Financial profile: economic activity, income and, if you apply for a loan or move up to a higher account level, proof of income and income tax and VAT returns.
- From your transactions: activity on your account and your card, pockets, term deposits, loans, crypto wallets and conversions.
- Business data, if you open an account as a legal entity: details of the company, its legal representative, shareholders and ultimate beneficial owner.
- Technical: IP address, device identifier, operating system and app usage data.
3. What we use them for
- To open and maintain your account, and to provide you with the services you contract.
- To verify your identity and comply with know-your-customer obligations.
- To prevent fraud and money laundering, and to report to the Financial Investigation Unit (UIF) where applicable.
- To assist you and provide you with support.
- To improve the app and measure its use on an aggregate basis.
- To send you service notices; marketing communications only if you authorize them.
4. Who we share them with
We do not sell your data. We share it only with:
- Providers that render identity verification, card processing, crypto payment, email delivery and technology infrastructure services to us, under contract and subject to a confidentiality obligation.
- Competent authorities—including the Superintendency of the Financial System (SSF), the Central Reserve Bank (BCR) and the UIF—where there is a legal obligation or a valid request.
Pending: the named list of data processors and their location must be added here before publication.
5. How long we keep them
For as long as your account remains active and, after it is closed, for the period required by the applicable financial and anti-money laundering regulations. Once that period has elapsed, they are deleted or anonymized.
6. Your rights
You may access your data, rectify it, request its erasure where applicable, withdraw your consent and object to certain processing, in accordance with the Salvadoran regulations on personal data protection. To exercise these rights, write to us at soporte@somosuniquecapital.com, stating which right you wish to exercise.
Some data cannot be deleted for as long as the law requires us to retain it.
7. Security
We encrypt information in transit, require a code sent by email to log in, close the session after a period of inactivity and limit internal access to what is strictly necessary. No system is infallible: if you detect any improper use of your account, notify us immediately and freeze your card from the app.
8. International transfers
Some of our providers may be located outside El Salvador. In that case, we require contractual guarantees of protection equivalent to those described here.
9. Changes to this policy
We will publish any update here, together with its date. If a change substantially affects your rights, we will notify you before it takes effect.