Security & your account

Account security

Echlon implements multiple layers of security to protect your account:

• Encryption of all data at rest and in transit
• Multi-factor authentication (MFA) is required for all accounts
• Real-time transaction monitoring for suspicious activity
• Automatic session management and timeout

You are responsible for maintaining the confidentiality of your account credentials. Enable MFA during account setup and do not share your login details with anyone.

Identity verification & screening

Echlon and its partners are committed to preventing money laundering, terrorist financing, and other financial crimes. All users — both individuals and businesses — must complete identity verification before gaining access to an Echlon account and the platform's services.

We use AiPrise as our verification partner to handle document collection, identity screening, and onboarding. AiPrise powers the verification step within the Echlon website — there's nothing extra to download or sign up for. Screening includes checks against international sanctions lists, Politically Exposed Persons (PEP) databases, and adverse media sources.

Screening occurs at onboarding and on an ongoing basis throughout the business relationship. Echlon may request additional information or documentation at any time to maintain compliance. For a full list of documents required for individuals and businesses, see our Verification guide.

Prohibited activities

The following activities are strictly prohibited on the Echlon platform:

• Money laundering or terrorist financing
• Transactions with sanctioned individuals, entities, or jurisdictions
• Use of proceeds from criminal activity
• Operating as an unlicensed money service business through Echlon
• Weapons, arms dealing, or controlled substance transactions
• Fraud, identity theft, or impersonation
• Circumventing geo-blocking or security features
• Reverse engineering the platform or using bots/scrapers

For the complete list of prohibited activities, restricted jurisdictions, high-risk industries, and sanctioned entity screening, see the Prohibited Activities & Jurisdictions legal document.

Account restrictions

Echlon may suspend, restrict, or block your account without prior notice if:

• Required by law, regulation, or a court order
• Your account is involved in suspected prohibited activity
• You violate the Terms of Service
• Your account poses compliance or risk concerns

Echlon is not required to disclose the specific reasons for restrictions and may be legally prohibited from doing so (for example, when a suspicious activity report has been filed).

Data protection

Echlon collects and processes personal data in accordance with applicable privacy and data protection laws. Data collected includes identity information, contact details, financial data, device/usage data, and location data (IP address).

Your data may be shared with licensed partners, identity verification providers, screening providers, and government or regulatory authorities as required by law.

Data is retained for a minimum of 5 years after the business relationship ends. In some cases, compliance records may be retained longer if required by law — this is standard across regulated financial services.

You have the right to access, correct, and request erasure of your personal data (subject to legal retention requirements). For privacy requests, contact [email protected]. For a plain-language guide to what we keep, for how long, and how to make a request, see Data retention & deletion.

Getting help

If you need assistance with your account, a transaction, or any issue on the platform, contact our support team:

See Contact support for all channels and what to include in your message.

When contacting support, include your account email and a description of the issue. For urgent matters — such as suspected unauthorized access or a transaction dispute — indicate this in your subject line so we can prioritize your request.

If you use Treasury or other yield features, also see the risks section in Treasury — Risks & disclosures in this Help Center.

The E-Sign Disclosure and the documents below are linked from the Legal section in the site footer.

Related legal documents

This page summarizes how we approach security and compliance. For binding legal terms and fuller detail, read:

• Privacy Policy — what we collect, how we use it, your rights, and how we protect personal data
• Terms of Service — rules for using Echlon, including acceptable use and account obligations
• Risk Disclosure — important risks when using our financial services and products
• Prohibited Activities & Jurisdictions — restricted jurisdictions, sanctioned entities, and prohibited activities

Still need help?

Have a question that isn't answered here? See our support channels, message us on WhatsApp at +1 (787) 468-5842, or open a support ticket — we typically respond within 24 hours.