Privacy Policy

1. Information We Collect

We collect the following types of information:

1.1 Personal Information You Provide

Identity Information: Full name, date of birth, nationality, and government-issued identification (e.g., passport or ID number) for account registration and compliance with Know Your Customer (KYC) requirements.
Contact Information: Email address, phone number, and residential address.
Financial Information: Cryptocurrency wallet addresses, bank account details (if applicable), and transaction history related to lending or borrowing activities.
Account Information: Username, password, and security questions.

1.2 Information Collected Automatically

Technical Data: IP address, browser type, device information, operating system, and usage data (e.g., pages visited, time spent on the Site).
Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience, analyze usage, and deliver personalized content. See Section 8 for more details.

1.3 Information from Third Parties

Data from KYC/AML (Anti-Money Laundering) service providers to verify your identity.
Blockchain data related to your cryptocurrency transactions, which is publicly available.

2. How We Use Your Information

We use your information for the following purposes:

To Provide and Improve Our Services: Process lending/borrowing requests, manage your account, and enhance platform functionality.
Legal Compliance: Fulfill KYC, AML, and counter-terrorism financing obligations under Panamanian and international law.
Security: Protect against fraud, unauthorized access, and other illegal activities.
Communication: Send you account updates, transaction confirmations, security alerts, and promotional materials (if you opt in).
Analytics: Understand how users interact with our Services to improve performance and user experience.

3. Legal Basis for Processing Your Data

We process your personal data based on:

Consent: Where you have explicitly agreed (e.g., for marketing emails).
Contractual Necessity: To fulfill our obligations under the Terms of Service (e.g., processing loan requests).
Legal Obligation: To comply with Panama’s Law 81 of 2019 and other applicable regulations.
Legitimate Interests: For security, fraud prevention, and improving our Services.

4. How We Share Your Information

We may share your data with:

Service Providers: Third-party vendors (e.g., KYC providers, cloud storage, payment processors) who assist us in operating the Services, subject to strict confidentiality agreements.
Regulatory Authorities: When required by law or to comply with legal processes (e.g., subpoenas, court orders).
Business Partners: In the case of mergers, acquisitions, or partnerships, with safeguards to protect your data.
With Your Consent: When you authorize us to share your information with others.

We do not sell your personal data to third parties.

5. International Data Transfers

As a Panama-based company, your data is primarily stored and processed in Panama. However, we may transfer your data to service providers or partners located in other jurisdictions (e.g., the United States or the European Union). When transferring data internationally, we ensure compliance with Panama’s Law 81 and implement appropriate safeguards, such as standard contractual clauses.

6. Data Security

We use industry-standard security measures to protect your data, including:

Encryption of sensitive information (e.g., SSL/TLS for data in transit).
Secure storage of cryptocurrency assets in cold wallets where applicable.
Regular security audits and monitoring.

Despite these efforts, no system is 100% secure. In the event of a data breach, we will notify you and relevant authorities as required by law.

7. Data Retention

We retain your personal data only as long as necessary to:

Fulfill the purposes outlined in this policy.
Comply with legal obligations (e.g., tax or AML records may be retained for up to 5 years under Panamanian law).
Resolve disputes or enforce agreements.

Once no longer needed, your data will be securely deleted or anonymized.

8. Cookies and Tracking Technologies

We use cookies to:

Authenticate users and prevent fraudulent activity.
Analyze website traffic and performance.
Personalize your experience.

You can manage cookie preferences through your browser settings. Disabling cookies may limit some features of the Site.

9. Your Rights

Under Panama’s Law 81 of 2019, you have the following rights regarding your personal data:

Access: Request a copy of the data we hold about you.
Correction: Update inaccurate or incomplete information.
Deletion: Request the removal of your data (subject to legal obligations).
Restriction: Limit how we process your data in certain cases.
Objection: Object to processing based on legitimate interests or for marketing purposes.
Portability: Receive your data in a structured, machine-readable format.

To exercise these rights, contact us at [Your Contact Email]. We will respond within 30 days, as required by law.

10. Third-Party Links

Our Site may contain links to third-party websites (e.g., blockchain explorers, partner platforms). We are not responsible for their privacy practices. Please review their policies before providing personal information.

11. Children’s Privacy

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect data from minors. If we discover such data, we will delete it immediately.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Significant changes will be notified via email or a prominent notice on our Site. The updated policy will take effect upon posting, with the "Last Updated" date revised accordingly.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your data, please contact us at here.