Privacy Policy

Our Commitment

We are committed to safeguarding the personal information of our customers, users, employees, and other stakeholders while providing innovative blockchain-based financial services.

7.2 Privacy Coins & Enhanced Privacy

We may support privacy-focused cryptocurrencies with enhanced anonymity features. Privacy coin transactions may have different visibility characteristics, and we comply with all applicable regulations regarding privacy coins.

7.3 Blockchain Analytics

We may use blockchain analytics tools to monitor transactions for compliance. These tools help detect suspicious activity and ensure regulatory compliance. Analysis may involve tracing transaction histories across multiple addresses.

8.1 Data Security

We implement industry-leading security measures to protect your personal information:

• Encryption: All data is encrypted in transit and at rest using advanced encryption standards
• Access Controls: Strict role-based access controls and authentication requirements
• Security Audits: Regular security assessments and penetration testing
• Incident Response: Comprehensive incident response and breach notification procedures

8.2 International Data Transfers

We may transfer your personal data to third parties or affiliates located outside the United States, including but not limited to Zambia, Africa, United Kingdom, European Union member states, and other jurisdictions where we operate or have service providers.

When we transfer data internationally, we ensure:

• Compliance with applicable data protection laws
• Implementation of appropriate safeguards (such as Standard Contractual Clauses)
• Adequate protection measures for your personal information
• Binding corporate rules and privacy certifications where applicable

8.3 Storage and Infrastructure

• Cloud Storage: We use reputable cloud service providers with robust security measures
• Data Centers: Information is stored in secure, compliant data centers
• Backup Systems: Regular backups ensure data availability and integrity
• Geographic Distribution: Data may be stored across multiple secure locations

10.2 Third-Party Blockchain Services

• We may use third-party blockchain infrastructure and analytics services
• These services may have their own data collection and privacy practices
• Some blockchain operations require interaction with decentralized networks

10.3 Regulatory Compliance

• Cryptocurrency transactions are subject to extensive regulatory reporting
• We may be required to share transaction data with multiple regulatory agencies
• International transfers may trigger additional compliance requirements

11.1 Retention Periods

We retain personal information for different periods based on the type of data and legal requirements:

• Account Information: For the duration of your account relationship plus 7 years
• Transaction Records: Minimum 5 years as required by financial regulations
• Identity Verification: 5 years after account closure
• Tax Records: As required by IRS and state tax authorities (typically 7 years)
• AML/BSA Records: 5 years from transaction date or account closure

11.2 Account Deletion

Users may request account deletion, subject to:

• Completion of all pending transactions
• Resolution of any disputes or claims
• Compliance with legal retention requirements
• Satisfaction of regulatory obligations

11.3 Data Anonymization

In some cases, we may anonymize personal information so it can no longer be associated with a specific individual. Anonymized data may be retained and used for legitimate business purposes without restriction.

13.1 Consent-Based Marketing

We only send marketing communications when you choose to receive them:

• Marketing messages are sent only with your explicit consent
• You can opt-in to receive promotional offers and updates
• Preferences can be managed anytime in your account settings

13.2 Opt-Out Rights

You have full control to stop marketing communications:

• Unsubscribe from marketing emails at any time
• Stop text message marketing by replying “STOP”
• Account-related service messages remain active while your account is open

13.3 Referral Programs

We may offer rewards when you refer others to our services:

• Referral rewards may be provided for successful referrals
• Referrers receive only aggregate information about program performance
• No specific transaction details are shared with referrers

14.1 Types of Cookies

We use several categories of cookies and similar technologies to operate and improve our services:

• Essential Cookies: Required for core app functionality
• Analytics Cookies: Help us understand usage patterns
• Marketing Cookies: Support targeted advertising and promotions
• Security Cookies: Protect against fraud and unauthorized access

14.2 Cookie Management

You have full control over how cookies are stored and used on your devices:

• Adjust cookie settings through your device or browser preferences
• Disabling certain cookies may limit app functionality
• We provide in-app cookie preference management tools where available

14.3 Do Not Track

Our services do not currently respond to “Do Not Track” signals. However, we provide other privacy controls and options to help you manage how your data is collected and used.

15.1 Third-Party Integrations

Our Services may integrate with various third-party providers, such as:

• Banking and payment providers
• Cryptocurrency exchanges and platforms
• Investment and brokerage services
• Identity verification services

15.2 Third-Party Privacy Policies

Each integrated third-party service maintains its own privacy policy and terms of service. We encourage you to review those policies before using their features or sharing personal information.

15.3 Social Media and External Links

Our Services may include links to external websites or social-media platforms. We are not responsible for the privacy practices or content of these external services.

16.1 Incident Response

In the event of a data breach affecting personal information:

• We will investigate and contain the incident promptly
• Affected users will be notified as required by applicable law
• Regulatory authorities will be notified within required timeframes
• We will provide regular updates on the incident and remediation efforts

16.2 User Responsibilities

If you suspect a security incident:

• Change your account passwords immediately
• Contact our customer support team
• Monitor your accounts for unauthorized activity
• Report any suspicious activity to appropriate authorities

17.1 Policy Changes

We may update this Privacy Policy from time to time to reflect:

• Changes in our services or business practices
• New legal or regulatory requirements
• Enhanced privacy protections
• User feedback and requests

17.2 Notification of Changes

When we make changes:

• Material changes will be communicated with advance notice
• Updated policies will be posted on our website and app
• Continued use of our Services constitutes acceptance of changes
• We may require explicit consent for significant changes

18.1 Cross-Border Operations

As a global financial technology company, we operate across multiple jurisdictions with varying privacy laws. We strive to meet the highest applicable privacy standards.

18.2 Jurisdiction-Specific Rights

Users in different jurisdictions may have different privacy rights. We will honor applicable local privacy laws and regulations.

18.3 Regulatory Cooperation

We cooperate with privacy regulators and data protection authorities in all jurisdictions where we operate.

For questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: