Privacy Policy

AML Consulting Solutions, Inc. ("AMLCSI," "we," "us," or "our") respects your privacy and is committed to protecting the information we collect through our website, online services, client portals, training platforms, digital forms, communications, and related services.

This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit our website, contact us, create an account, use our online services, enroll in training, access certificates, submit forms, communicate with us, or receive services from AMLCSI.

By using our website or online services, you acknowledge that you have read and understand this Privacy Policy.

1. Scope of This Privacy Policy

This Privacy Policy applies to information collected through:

• AMLCSI websites and webpages;
• Online contact forms and inquiry forms;
• Client portals and user accounts;
• Training platforms, courses, quizzes, certificates, and learning records;
• Downloadable materials, templates, forms, and online resources;
• Email, SMS/text messages, phone communications, and other electronic communications;
• Payment, subscription, registration, or account-related processes;
• Compliance consulting, support, monitoring, and related services;
• Other online or digital services provided by AMLCSI.

This Privacy Policy does not replace any separate written agreement between AMLCSI and a client. If a separate agreement applies to a specific service, that agreement may contain additional terms regarding confidentiality, data handling, records, security, or service-related obligations.

2. Information We Collect

We may collect information directly from you, from your business or organization, from authorized representatives, through our website or online services, from service providers, or from other sources permitted by law.

The types of information we may collect include the following:

A. Contact Information

We may collect names, job titles, business names, email addresses, phone numbers, mailing addresses, billing addresses, and other contact details.

B. Account and Login Information

If you create or use an account, portal, training profile, or online service, we may collect usernames, passwords or password-related credentials, authentication information, security logs, account settings, user roles, permissions, and access activity.

C. Business and Regulatory Information

For clients, prospective clients, and authorized representatives, we may collect business names, entity information, license numbers, registration details, business locations, ownership or management information, compliance contacts, regulatory categories, operating information, and other information relevant to compliance-related services.

D. Training and Certificate Information

If you enroll in or complete AMLCSI training, we may collect trainee names, employer or business affiliation, course enrollments, progress records, quiz or test results, completion dates, certificate numbers, certificate status, and related training records.

E. Communications Information

We may collect records of communications with you, including emails, SMS/text messages, phone calls, portal messages, support requests, uploaded documents, form submissions, and other correspondence.

F. Payment and Transaction Information

If you purchase online services, training, subscriptions, digital materials, or other services, we may collect billing details, transaction records, invoice information, payment status, and related purchase information. Payment card or bank information may be processed by third-party payment providers and may not be stored directly by AMLCSI.

G. Technical and Usage Information

When you access our website or online services, we may collect technical information such as IP address, browser type, device type, operating system, referring URLs, pages viewed, access times, session activity, login activity, approximate location based on IP address, cookies, analytics data, and other usage information.

H. Documents and Files You Submit

You may submit documents, forms, records, files, images, data, or other materials through AMLCSI portals, upload tools, email, or other communication channels. The type of information collected depends on what you or your organization choose to submit.

3. How We Use Information

We may use the information we collect for the following purposes:

• To operate, maintain, and improve our website and online services;
• To respond to inquiries and provide customer support;
• To create, manage, authenticate, and secure user accounts;
• To provide access to portals, training platforms, digital materials, and online tools;
• To enroll users in training and issue, verify, manage, or revoke certificates;
• To provide compliance consulting, monitoring, support, document preparation, training, or related services;
• To send account notices, service updates, reminders, alerts, document requests, training notices, certificate notices, and other transactional communications;
• To process payments, invoices, subscriptions, orders, and service records;
• To maintain business, training, compliance, and communication records;
• To improve content, training, systems, workflows, and user experience;
• To detect, prevent, and respond to fraud, misuse, unauthorized access, security incidents, or technical problems;
• To comply with legal, regulatory, contractual, accounting, tax, recordkeeping, and reporting obligations;
• To enforce our Terms of Service, agreements, rights, and policies;
• To protect the rights, safety, systems, property, and interests of AMLCSI, our users, clients, service providers, and others.

4. Online Training and Certificates

When users participate in AMLCSI training, we may collect and maintain training-related information, including course participation, quiz scores, completion status, certificate numbers, certificate issuance dates, certificate verification data, and related records.

We may use this information to:

• Confirm training completion;
• Generate and issue certificates;
• Verify certificate authenticity;
• Maintain training records for clients or users;
• Support compliance-related recordkeeping;
• Correct, revoke, reissue, or invalidate certificates when appropriate;
• Provide reports to authorized client representatives when training is provided through an employer, business, or organization.

If training is provided on behalf of an employer, client, or organization, that organization may receive access to training records for its authorized users.

5. Client Portal and Uploaded Information

If you use an AMLCSI portal or upload documents to AMLCSI, we may collect, store, process, and review the information submitted through that portal or upload process.

Uploaded information may include business records, compliance documents, identification information, transaction records, policies, procedures, communications, licensing information, or other materials relevant to the service being provided.

You are responsible for ensuring that you have the right and authority to submit any information, document, or file to AMLCSI.

You should not submit information through public website forms unless the form is specifically intended for that type of information.

6. SMS/Text Messaging

AMLCSI may offer SMS/text message communications for transactional, administrative, account-related, training-related, compliance-related, authentication, reminder, or service-related purposes.

By providing a mobile phone number and opting in to receive SMS/text messages, you consent to receive SMS/text messages from AMLCSI. These messages may include, depending on the services used:

• Account access or authentication messages;
• Training reminders and completion notices;
• Certificate-related notifications;
• Regulatory deadline reminders and alerts;
• Filing requirement notifications;
• Document request and upload notifications;
• Examination or audit-related notifications;
• Scheduled compliance event reminders;
• Client portal or account notices;
• Other service-related or transactional messages.

Message frequency varies based on your account activity, services, compliance activity, training activity, and upcoming deadlines. Message and data rates may apply.

You may opt out of SMS messages at any time by replying STOP to any message received from AMLCSI or by contacting us directly to update your communication preferences. Opting out of SMS messages may affect your ability to receive certain reminders, authentication messages, or service-related notifications, but it does not affect other communications or obligations that may apply under a separate agreement or applicable law.

AMLCSI does not use SMS/text messages for unrelated marketing unless separately authorized where required by law.

7. Email and Electronic Communications

We may use email and other electronic communications to send account notices, service messages, training information, certificate notices, compliance reminders, document requests, support responses, administrative communications, policy updates, and other transactional or service-related messages.

You may contact us to update your communication preferences. However, certain administrative, security, transactional, account-related, or legally required communications may still be sent even if you opt out of optional communications.

8. Cookies, Analytics, and Similar Technologies

Our website and online services may use cookies, pixels, analytics tools, log files, and similar technologies to operate the website, remember preferences, improve performance, understand user activity, secure accounts, detect misuse, and improve services.

These technologies may collect information such as IP address, browser type, device type, pages viewed, links clicked, session activity, referring website, approximate location, and access times.

You may be able to control cookies through your browser settings. Disabling cookies may affect the functionality of certain website or online service features.

9. Use of Technology, Automation, and AI-Assisted Tools

AMLCSI may use technology, automation, analytics, artificial intelligence, machine learning, software tools, or similar systems to support website functionality, online services, training delivery, content development, internal workflows, document processing, quality control, customer support, compliance-support activities, and service improvement.

Information submitted to AMLCSI may be processed or organized using these tools where appropriate for the service, workflow, or purpose involved.

AMLCSI does not use these tools to eliminate the need for appropriate review, oversight, or professional judgment. Outputs from automated or AI-assisted tools may be reviewed, corrected, or supplemented by AMLCSI personnel where appropriate.

10. How We Share Information

AMLCSI does not sell, rent, or trade personal information.

We may share information in the following circumstances:

A. Service Providers

We may share information with trusted third-party service providers that help us operate our website, portals, training platforms, communications, SMS delivery, email delivery, hosting, analytics, payment processing, document management, electronic signature processes, customer support, security, and other business functions.

These service providers are authorized to use information only as necessary to provide services to AMLCSI or as otherwise permitted by law.

B. Authorized Client Representatives

When services are provided to a business, employer, or organization, we may share relevant information with authorized representatives of that business, employer, or organization. This may include training records, certificate information, account activity, document status, compliance reminders, or service-related communications.

C. Legal, Regulatory, and Government Requirements

We may disclose information if required or permitted by law, regulation, subpoena, court order, legal process, government request, regulatory requirement, examination, audit, investigation, or other lawful process.

We may also disclose information when we believe disclosure is necessary to protect rights, safety, property, systems, users, clients, AMLCSI, or others.

D. Business Transfers

We may disclose or transfer information in connection with a merger, acquisition, restructuring, financing, sale of assets, transfer of business operations, bankruptcy, or similar transaction.

E. With Consent or Direction

We may share information with your consent, at your direction, or as necessary to provide a service you requested.

11. Confidentiality and Client Information

AMLCSI recognizes that clients may provide confidential or sensitive business information in connection with compliance services. AMLCSI uses reasonable administrative, technical, and organizational safeguards to protect client information.

Access to client information is limited to personnel, contractors, representatives, and service providers who need access for legitimate business, operational, technical, support, compliance, or service-related purposes.

Confidentiality obligations may also be addressed in a separate signed client service agreement.

12. Data Security

AMLCSI implements reasonable technical, administrative, and organizational measures designed to protect information against unauthorized access, loss, misuse, alteration, disclosure, or destruction.

These measures may include access controls, authentication, encryption, user permissions, secure storage, monitoring, backups, confidentiality obligations, and other safeguards appropriate to the nature of the information and services involved.

No website, online service, communication method, storage system, or transmission method is completely secure. AMLCSI cannot guarantee absolute security.

You are responsible for maintaining the confidentiality of your account credentials and for promptly notifying AMLCSI if you believe your account or information has been compromised.

13. Data Retention

AMLCSI retains information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide services, maintain records, resolve disputes, enforce agreements, comply with legal or regulatory obligations, and support legitimate business needs.

Retention periods may vary depending on the type of information, the service provided, the applicable agreement, legal requirements, regulatory expectations, recordkeeping obligations, and operational needs.

For certain compliance-related services, AMLCSI may retain client information, communication records, training records, and related documentation for at least five (5) years, or longer if required or appropriate under applicable law, regulation, agreement, examination need, dispute, audit, or business purpose.

14. Your Choices and Rights

Depending on your relationship with AMLCSI and applicable law, you may request to:

• Access certain personal information we maintain about you;
• Correct inaccurate or outdated information;
• Update account, contact, or communication information;
• Update SMS or email communication preferences;
• Opt out of SMS communications by replying STOP;
• Request deletion of certain information, where legally and operationally permitted;
• Ask questions about our privacy practices.

We may need to verify your identity or authority before fulfilling certain requests. Some information may be retained where required or permitted by law, regulation, agreement, recordkeeping obligation, dispute, security need, or legitimate business purpose.

Requests may be submitted using the contact information listed below.

15. Children's Privacy

AMLCSI's website and online services are intended for business, professional, compliance, and educational purposes. They are not directed to children under the age of 13.

We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13 without appropriate consent, we will take reasonable steps to delete it.

16. Third-Party Websites and Services

Our website or online services may link to third-party websites, government websites, payment processors, electronic signature providers, communication tools, embedded services, or other external platforms.

AMLCSI is not responsible for the privacy practices, security, content, terms, or policies of third-party websites or services. Your use of third-party services may be governed by their own terms and privacy policies.

17. International Users

AMLCSI is based in the United States, and our website and online services are generally intended for users located in the United States.

If you access our website or online services from outside the United States, you understand that your information may be processed, stored, or transferred in the United States or other locations where our service providers operate. Privacy laws in those locations may differ from those in your jurisdiction.

18. Changes to This Privacy Policy

AMLCSI may update this Privacy Policy from time to time. When we update the policy, we will revise the "Last Updated" date above.

Material changes may be communicated by email, website notice, portal notice, or other appropriate method, depending on the nature of the change and the services involved.

Your continued use of the website or online services after the updated Privacy Policy is posted means that you acknowledge the updated policy.

19. Contact Us

If you have questions about this Privacy Policy or AMLCSI's privacy practices, please contact us:

AML Consulting Solutions, Inc.
2000 Ponce de Leon Boulevard, Suite 500
Coral Gables, FL 33134
Email: info@amlcsi.com
Website: www.amlcsi.com