Privacy Policy

PRIVACY POLICY

Effective Date: 1 May 2025

Contact: support@bank.cabexltd.org

1. Company Information and Ownership

CABEX-FX is solely owned and operated by Cable Exchange Group, a private financial conglomerate with total net assets exceeding £100 million GBP. Cable Exchange Group is a part of ESABER INVEST HOLDING SARL, registered and regulated in North Africa with the following credentials:

• Registered Address: 208 QI SIDI GHANEM, RTE DE SAFI N°13, 2nd Floor, Marrakech, Morocco

• ICE Number: 002664074000061

• Company Identification Number: 47303954

The company operates across multiple jurisdictions, and its purpose both locally and internationally includes but is not limited to:

• Investment Company

• Portfolio & Asset Management

• Financial Holdings & Acquisitions

• Private Financial Advisory Services

• Project Development & Research

• Banking, Escrow, and Venture Capital Services

• Telecommunications-based Financial Services

• Custodian & Trust Account Operations

2. Associated Entities

Cable Exchange Group operates several regulated subsidiaries and associated companies, including:

• Earth Minerals and Resources Ltd

• Cable Exchange Company (UK)

• Bend Arch Petroleum Inc (USA)

• Texas Liberty LLC (USA)

• moneyIN Global Inc. (Canada)

• moneyIN SAS (Morocco)

moneyIN Global Inc. is a fully licensed and regulated Money Services Business (MSB) under:

• FINTRAC Canada: MSB License No. C100000471

• Telecommunications Registration (Canada): CRTC-ISP Licence Reference: 8180-C12-05/90

• USA FinCEN Federal MSB Licence: No. 31000293152269

• Ontario Corporation Number (Canada): 1001029178

CABEX-FX operates under the parent license of Cable Exchange Group and is regulated by:

• FINCEN USA MSB License No.: 31000293028228

  • CANDA FINTRAC MSB Registration Number: C100000870
  • ESABER INVEST HOLDING SARL Registration No.: 47303954

• Private Neo-Banking Activities:

  Operating as a private, non-bank neo-banking platform offering licensed MSB services in Canada, the United States, and abroad. These activities include digital-first financial services such as cross-border payments, foreign exchange, escrow and settlement, digital wallets, card issuance, and compliant crypto services, Rewards Program activities, all delivered under strict KYC/AML compliance frameworks.

3. Client Protections and Fund Handling

All client funds are managed through designated Numbered Accounts under the relevant group entity, depending on geographic and regulatory requirements. Once funds are cleared:

• Account statements are updated in real time

• Funds become accessible unless restricted for compliance or security reasons

• Temporary limitations may be applied to safeguard the client or the platform

All instructions for deposits, withdrawals, crypto conversions, and escrow use must be followed as per your assigned Account Officer. Clients are required to provide transfer proof (e.g., SWIFT receipts) and adhere to wire instructions to avoid processing delays.

4. Legal Indemnification & Responsibilities

By using any CABEX GROUP service or platform (including CABEX-FX, moneyIN Global Inc., or any affiliate), clients agree to:

• Indemnify and hold harmless the Cable Exchange Group, its subsidiaries, directors, employees, and affiliated financial institutions from any losses, damages, claims, liabilities, or legal costs incurred through the use of its services, whether direct or indirect.

• Confirm that all funds are clean, clear, and not derived from any criminal activity or sanctioned party.

• Acknowledge that all transactions and services are subject to regulatory review and may be suspended or refused at our sole discretion.

• Accept that clients are responsible for legal fees should disputes require litigation.

5. Collection and Use of Personal Information

We collect information during account onboarding, including physical and electronic (soft copy) documentation. Information collected may include:

• Name, date of birth, and identification documents

• Proof of residence and banking information

• Source of funds and nature of business activities

• FATCA and tax declarations (W-8BEN / W-9 forms)

This data is used for:

• Legal compliance and identity verification

• Financial service provision and product development

• Communication of products and services of interest

Data will be retained as long as legally necessary or relevant to the service relationship.

6. Disclosure of Information

CABEX-FX and its affiliates do not disclose customer information unless:

• Required by law or regulatory authorities

• Explicitly authorised by the customer

We do not sell, rent, or otherwise share customer data with unauthorised third parties.

7. Data Protection and Security Measures

We implement advanced security standards to protect personal and financial information, including:

• 128-bit SSL encryption for all platform access

• Secure firewalls and certified hosting infrastructure

• Continuous monitoring by our cybersecurity team

Access to customer data is limited to trained employees under strict confidentiality agreements, including mandatory signing of a Declaration of Secrecy and retraining every six months as per the Banking Bill 2015.

8. Your Security Responsibilities

While we employ state-of-the-art security, customers must also take precautions:

• Keep your software and devices updated

• Install antivirus and anti-malware programs

• Avoid using public networks for transactions

• Use strong, unique passwords and change them regularly

• Never open suspicious emails or attachments

• Always log out of your account when finished

9. Phishing & Spyware Warning

Phishing: Do not respond to emails requesting personal data or login information. CABEX-FX will never ask for sensitive data via email.

Spyware: Install only trusted software. Spyware can collect passwords, credit card data, and account information without your knowledge.

To protect your data:

• Avoid downloading unverified software

• Regularly update antivirus definitions

• Change online banking passwords frequently

• Clear browser cache and history after online banking sessions

10. Card Services & Crypto Integration

• Physical or virtual cards require a minimum account balance of $50,000 USD

• All crypto onboarding requires compliance checks and a one-time integration fee

• Default account currencies are USD, EUR, or GBP. Other currencies are accepted and converted at institutional rates

11. Jurisdiction and Amendments

All services are subject to the laws of the jurisdiction under which your account is held. Any legal dispute will be subject to that jurisdiction, and the user is responsible for applicable legal fees.

CABEX GROUP reserves the right to amend or update this Privacy Policy at any time without prior notice. It is your responsibility to check this policy regularly. Continued use of our services implies agreement to the latest version of this policy.

12. Contact & Questions

For inquiries regarding this Privacy Policy or to access or correct your data, contact:

CABEX-FX Compliance Team

Email: support@bank.cabexltd.org

Website: www.cabex-fx.com