Privacy Policy

This Privacy Policy describes how DIRE MONEY TRANSMITTER LLC, operating as BlueMesa Exchange ("we," "us," or "our"), collects, uses, discloses, and protects personal information in connection with the operation of BlueMesa Exchange at bluemesa.co.com. This policy applies to all visitors to our website and all account holders on our platform. By using our website or services, you acknowledge you have read this policy.

Information We Collect

• Identity information: Legal name, date of birth, government-issued ID number, and photographic identification as required by our AML/KYC procedures under the Bank Secrecy Act and USA PATRIOT Act.
• Contact information: Email address, phone number, and residential or business address provided during account registration or contact form submissions.
• Financial information: Bank account details, transaction history, deposit and withdrawal records, and trading activity associated with your account.
• Device and usage data: IP address, browser type, operating system, pages visited, time spent on pages, referring URLs, and similar technical data collected automatically when you visit our website.
• Communications: Records of correspondence with our team, including support requests, compliance inquiries, and complaint submissions.
• Business entity information (business accounts): Entity name, EIN, formation documents, and beneficial ownership information as required by federal Customer Due Diligence rules.

How We Use Your Information

• To verify your identity and comply with AML/KYC obligations under the Bank Secrecy Act, 31 U.S.C. 5311 et seq., and implementing regulations.
• To process account registrations, transactions, deposits, and withdrawals.
• To monitor transactions for suspicious activity and fulfill Suspicious Activity Report (SAR) and Currency Transaction Report (CTR) obligations under federal law.
• To communicate with you about your account, platform updates, and compliance matters.
• To respond to your inquiries submitted through the contact form or by phone or email.
• To operate, maintain, and improve the BlueMesa Exchange platform and website.
• To comply with applicable federal and state laws, regulations, legal process, and government requests.
• To detect, prevent, and investigate fraud, unauthorized access, and other illegal activity.

Legal Basis for Processing

We process personal information on the following legal bases: compliance with legal obligations (including BSA, USA PATRIOT Act, FinCEN regulations, and applicable state money transmission laws); performance of a contract with you as an account holder; our legitimate interests in operating a compliant and secure financial services platform; and, where applicable, your consent.

Information Sharing and Disclosure

• Government authorities: We are required by law to report certain transactions and suspicious activity to FinCEN, the IRS, and other federal and state agencies. We comply fully with these obligations.
• Law enforcement: We may disclose information in response to lawful subpoenas, court orders, or government requests.
• Service providers: We engage third-party vendors to assist with identity verification, payment processing, IT infrastructure, and compliance functions. These vendors are contractually required to protect your information and use it only as directed.
• Business transfers: In the event of a merger, acquisition, or sale of assets, personal information may be transferred to the successor entity subject to equivalent privacy protections.
• We do not sell personal information to third parties for marketing purposes.

Data Retention

We retain personal information for as long as your account is active and for a minimum of five years following account closure, as required by the Bank Secrecy Act and FinCEN regulations. Transaction records and identity verification documents are retained for the periods specified by applicable law. We may retain information longer where required by law or for legitimate business purposes such as pending legal proceedings.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to operate the site, analyze traffic, and improve user experience. See our Cookie Policy for a full description of the cookies we use, their purposes, and how to manage your preferences. You may adjust cookie settings through the cookie consent tool available on this site.

Security

We implement administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction. These measures include encryption of data in transit and at rest, access controls, and regular security assessments. No security system is impenetrable. We cannot guarantee that information you transmit to us will never be accessed by unauthorized parties.

California Residents (CCPA)

California residents have rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA). These rights include the right to know what personal information we collect and how it is used, the right to delete personal information (subject to legal retention requirements), the right to correct inaccurate personal information, and the right to opt out of the sale or sharing of personal information. We do not sell personal information. To exercise your California privacy rights, contact us at support@bluemesa.co.com. Note that certain information may be exempt from deletion requests due to BSA and other legal retention requirements.

Children's Privacy

BlueMesa Exchange does not knowingly collect personal information from individuals under 18 years of age. Our platform is not directed at minors. If we become aware that a minor has provided personal information without parental consent, we will take steps to delete that information.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. Updated versions will be posted on this page with the revised effective date. Continued use of the platform after changes constitutes acknowledgment of the updated policy. For material changes, we will provide additional notice where required by law.

Contact for Privacy Matters

Questions or requests related to this Privacy Policy may be directed to:

DIRE MONEY TRANSMITTER LLC / BlueMesa Exchange
2026 S Brentwood Blvd Suite 204
St. Louis, MO 63144
Email: support@bluemesa.co.com
Phone: +1 (314) 736-5390