Privacy Policy

1. Introduction

This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our crypto-backed credit services. We are committed to protecting your privacy and handling your data responsibly.

As a US-based company, we comply with applicable federal and state privacy laws, including the California Consumer Privacy Act (CCPA) where applicable.

2. Information We Collect

We collect information in the following ways:

Information You Provide

• Account registration information (name, email, phone number)
• Identity verification documents (government ID, proof of address)
• Financial information (bank account details for fiat transactions)
• Cryptocurrency wallet addresses
• Communications with our support team

Information We Collect Automatically

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, features used, time spent)
• Transaction history on our platform
• Log files and analytics data

Information from Third Parties

• Identity verification results from our KYC providers
• Blockchain transaction data (publicly available)
• Sanctions and compliance screening results

3. How We Use Your Information

We use your information for the following purposes:

• Providing and improving our services
• Processing transactions and managing your account
• Verifying your identity and preventing fraud
• Complying with legal and regulatory requirements
• Communicating with you about your account and our services
• Analyzing usage patterns to improve our platform
• Enforcing our terms of service

4. Information Sharing

We may share your information with:

• Service Providers: Third parties who help us operate our services (e.g., cloud hosting, KYC verification, payment processing)
• Legal Authorities: When required by law, subpoena, or legal process
• Regulatory Bodies: To comply with regulatory requirements
• Business Partners: With your consent, for specific services

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement industry-standard security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Access controls and authentication requirements
• Regular security audits and testing
• Employee training on data protection

For detailed information about our security practices, please visit our Security page.

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. This typically includes:

• Account information: Duration of account plus 7 years
• Transaction records: 7 years (regulatory requirement)
• KYC documents: 5 years after account closure
• Marketing preferences: Until you opt out

7. Your Rights

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal requirements)
• Portability: Request your data in a portable format
• Opt-out: Opt out of marketing communications

To exercise these rights, please contact us through our Contact page.

8. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act, including:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

We do not sell personal information. To make a CCPA request, contact us with "CCPA Request" in the subject line.

9. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and provide personalized content. You can control cookie preferences through your browser settings.

For more information, see our Cookie Policy.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will delete it promptly.

11. International Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers in compliance with applicable data protection laws.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website with a new "Last Updated" date. We encourage you to review this policy periodically.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us through our Contact page.