Privacy Policy

1. Information We Collect

Account information

When you create an account, we collect your email address and any other information you provide during registration. Account creation and authentication are handled by Clerk, a third-party authentication provider. By creating an account you are also subject to Clerk's Privacy Policy.

Usage and log data

We automatically collect certain technical information when you use the Service, including your IP address, browser type and version, pages visited, timestamps, and referring URLs. This information is used for security monitoring, debugging, and improving the Service.

Cookies and local storage

We use cookies and browser local storage to maintain authentication sessions and remember your preferences. See our Cookie Policy for full details of every cookie and local storage key we set, their purpose, and their duration.

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the Service
• Manage your account and authenticate your identity
• Respond to your inquiries and support requests
• Send you service-related communications (account confirmations, security alerts)
• Send you marketing and promotional communications — see Section 3 below for full details and your opt-out rights
• Analyze usage trends to improve the platform
• Detect and prevent fraud, abuse, or unauthorized access
• Comply with applicable legal obligations

3. Marketing Consent

By registering for an account on MSB Status, you expressly consent to receive commercial electronic messages and marketing communications from Adam Atlas Attorneys at Law, as permitted by Canada's Anti-Spam Legislation (CASL) and applicable US state law. These communications may include:

• Updates on US, Canadian, UK, and EU fintech, payments, and crypto regulatory developments
• New data and features added to the MSB Status platform
• Information about legal services, publications, and events offered by Adam Atlas Attorneys at Law
• Industry news and compliance alerts relevant to money services businesses

You may withdraw your consent at any time by clicking "Unsubscribe" in any marketing email, or by contacting us at atlas@adamatlas.com. Withdrawal of consent does not affect your ability to use the Service, and does not affect processing that occurred prior to withdrawal.

4. Sharing of Information

We do not sell your personal information. We may share your information with:

• Clerk — our authentication provider, which stores and manages your account credentials and session data
• Replit — our hosting infrastructure provider, which processes data necessary to operate the Service
• Professional advisors (lawyers, accountants) where required for legitimate business purposes
• Law enforcement or regulatory authorities where required by applicable law
• A successor entity in connection with a merger, acquisition, or sale of assets, with prior notice to users where required by law

5. Data Retention

We retain your account information for as long as your account is active or as needed to provide the Service and comply with our legal obligations. Server log data is retained for up to 90 days for security and debugging purposes. You may request deletion of your account and associated personal data by contacting us at atlas@adamatlas.com.

6. Security

We implement reasonable technical and organizational measures to protect your information, including HTTPS encryption for all data in transit and access controls on our systems. Authentication is managed by Clerk, which employs industry-standard security practices. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

7. Your Rights

Depending on your jurisdiction, you may have the right to access, correct, delete, or restrict the processing of your personal information, to receive a copy of your data in a portable format, and to object to certain processing activities.

Canadian residents may have additional rights under the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation (including Quebec Law 25). You may contact our privacy contact at the address below to exercise these rights or to file a complaint.

US state residents — if you are a resident of California, Virginia, Colorado, Connecticut, or another state with applicable privacy law, you may have additional rights under those laws, including the right to know what personal information is collected, to delete personal information, and to opt out of the sale of personal information (we do not sell personal information).

To exercise any of these rights, please contact us at atlas@adamatlas.com. We will respond within the timeframe required by applicable law.

8. Cookies

We use cookies and browser local storage for authentication, session management, and remembering your preferences. We do not use advertising or behavioral tracking cookies. For a complete list of cookies, their names, purposes, providers, and durations, see our Cookie Policy.

You may disable non-essential cookies through your browser settings. Disabling authentication cookies will prevent you from signing in to the Service.

9. Third-Party Links and Data

The Service displays data sourced from public regulatory registries (including FINTRAC, FinCEN, and the Bank of Canada) and links to third-party websites. This Privacy Policy does not apply to those external sites or their data practices. The platform data itself is machine-generated from public sources and does not constitute personal data collected by us about users of those registries.

10. Children

The Service is intended for business and professional use only. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected personal information from a minor, we will take steps to delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify registered users by email of material changes at least 30 days before they take effect. The effective date at the top of this page will be updated to reflect the date of the most recent revision. Continued use of the Service after the effective date of a revised policy constitutes your acceptance of the changes.

12. Contact

For questions, requests, or complaints regarding this Privacy Policy or our data practices, please contact: