BlueStone Savings – Compliance & Policy Center

BlueStone Savings is committed to maintaining the highest standards of security, transparency, and regulatory compliance.
This page outlines our key policies including AML, KYC, Privacy, Cookies, Fraud Prevention, Responsible Lending, Acceptable Use, Security, and more.

1. Anti-Money Laundering (AML) Policy

We follow strict AML guidelines in accordance with federal and international regulations.

Our AML Measures

• Customer identity verification (KYC/CIP)
• Automated transaction monitoring
• Real-time fraud flagging
• Mandatory staff AML training

Prohibited Activity

Customers may not use BlueStone to engage in:

• Money laundering
• Terrorist financing
• Fraud or identity theft
• Illegal gambling
• Unlicensed money transmission
• Using false or stolen identities

All activity is monitored and subject to review.

2. Know Your Customer (KYC) / Customer Identification Program (CIP)

To comply with banking regulations and protect all users, verification is required.

Information We Collect

• Full legal name
• Date of birth
• Address
• Government-issued ID
• Biometric/selfie verification
• Phone number & email verification

Why We Verify

• Prevent fraud and identity theft
• Reduce financial crime
• Enable full features (withdrawals, card use, transfers)
• Maintain regulatory compliance

Unverified accounts may have features restricted or disabled.

3. Privacy Policy

We protect your personal information with strict security standards.

Information We Collect

• Account information
• Identity documents
• Financial transactions
• Device information
• App usage analytics

How We Use It

• To operate your account
• To comply with regulations
• To prevent fraud
• To improve our services
• To communicate important updates

What We Do NOT Do

• We do not sell your data.
• We do not share your data with advertisers.
• We do not access your device photos or contacts without permission.

You may request deletion of your data subject to regulatory retention requirements.

4. Cookie Policy

Cookies help us provide a secure and personalized experience.

Types of Cookies We Use

• Essential Cookies: Login, security, session management
• Performance Cookies: App analytics, crash reports
• Preference Cookies: Language, theme, device settings
• Marketing Cookies: Only with explicit consent (optional)

You may disable cookies, but certain features may not function properly.

5. Data Protection & Security Policy

We apply strong measures to protect your information.

Security Measures

• Bank-grade encryption
• Tokenized transactions
• 24/7 fraud monitoring
• Device fingerprinting
• Biometric login
• MFA (Multi-Factor Authentication)
• Regular external audits

User Responsibilities

• Keep login credentials secure
• Update your device and app regularly
• Report suspicious activity immediately

6. Fraud & Risk Management Policy

We actively detect and prevent fraud.

We Monitor For

• Unusual transfers
• Account takeover attempts
• Device changes
• High-risk patterns
• Velocity abuse
• Identity inconsistencies

Actions We May Take

• Freeze transactions
• Temporarily restrict accounts
• Request additional verification
• File official reports if required

Fraudulent activity may result in permanent account closure.

7. Responsible Lending Policy

We promote smart, responsible credit usage.

Our Lending Standards

• Transparency of interest and fees
• Clear repayment schedules
• No hidden charges
• Assessment of repayment ability
• Automated reminders
• No aggressive collections

Borrowing should support — not harm — your financial well-being.

8. Acceptable Use Policy

You may not use the platform for:

• Criminal activity
• Fraud or scams
• Money laundering
• Pyramid schemes
• Illegal goods/services
• Identity manipulation
• Using bots to automate account activity

Violations may result in account closure.

9. Electronic Communications & E-Sign Disclosure

By using our services, you consent to receive:

• Statements
• Agreements
• Updates
• Notices

electronically.
You may request paper copies when required.

10. Terms of Service Summary

By opening an account, you agree to:

• Provide accurate information
• Keep account access secure
• Use services legally
• Follow all policies on this page
• Allow transaction monitoring for security

BlueStone may update policies and will notify users of significant changes.

11. Disclaimer

• Some services may require additional verification.
• All fees and rates are disclosed before use.
• Third-party provider terms may apply.
• Availability of features may vary by region.

12. Contact for Compliance Inquiries

For privacy or compliance questions:

Email: support@bluestonesavings.com