Last Updated: April 17, 2025

1. Information We Collect

We collect several types of information from and about users of our platform, including:

1.1 Personal Information

• Contact information (such as name, email address, and telephone number)
• Account credentials (username and password)
• Financial information (blockchain wallet addresses, transaction history)
• Institution affiliation and role information

1.2 Technical Information

• IP address and browsing data
• Device information (browser type, operating system)
• Usage patterns and preferences
• Cookies and similar tracking technologies

1.3 Blockchain Information

• Public blockchain addresses
• Transaction hashes and timestamps
• Smart contract interactions
• Token balances and transfers

2. How We Collect Information

We collect information in several ways:

• Direct Collection: Information you provide when registering, completing forms, or communicating with us
• Automated Collection: Information collected automatically through cookies, server logs, and similar technologies
• Blockchain Data: Public information available on blockchain networks
• Third Parties: Information received from financial institutions, payment processors, and identity verification services

3. How We Use Your Information

We use your information for various purposes, including to:

• Provide, maintain, and improve our platform services
• Process transactions and manage your account
• Facilitate connections with financial institutions and payment gateways
• Verify your identity and prevent fraud or unauthorized activity
• Send transaction confirmations, updates, security alerts, and support messages
• Troubleshoot problems and optimize platform performance
• Comply with legal obligations and regulatory requirements

4. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Third-party vendors who perform services on our behalf
• Financial Partners: Banks, payment processors, and financial institutions necessary to complete transactions
• Business Partners: Strategic partners with whom we collaborate to provide integrated services
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets

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

5. Blockchain Transparency

Please note that by using blockchain technology:

• Transactions recorded on public blockchains are transparent and permanent
• While blockchain addresses themselves are pseudonymous, correlation techniques may potentially link addresses to identities
• Once recorded on a blockchain, information cannot be altered or deleted

We implement measures to separate personally identifiable information from public blockchain data where possible.

6. Data Security

We implement appropriate security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information. These measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and penetration testing
• Access controls and authentication procedures
• Secure key management for blockchain wallets
• Physical, electronic, and procedural safeguards

However, no electronic transmission or storage system is completely secure. We cannot guarantee the absolute security of your information.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• Access to your personal information
• Correction of inaccurate or incomplete information
• Deletion of your personal information (where applicable)
• Objection to or restriction of certain processing
• Data portability
• Withdrawal of consent

To exercise these rights, please contact us using the information provided in the "Contact Us" section.

Please note that due to the nature of blockchain technology, we may be unable to modify or delete information recorded on public blockchains.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our platform. These technologies help us:

• Keep you logged in to your account
• Remember your preferences
• Understand how you use our platform
• Improve platform performance and security

You can manage cookie preferences through your browser settings, although disabling certain cookies may limit functionality.

9. International Data Transfers

We operate globally and may transfer your information to countries with different data protection laws. When we transfer personal information outside of your jurisdiction, we implement appropriate safeguards in accordance with applicable law.

10. Children's Privacy

Our platform is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated Privacy Policy on our platform and updating the "Last Updated" date.

We encourage you to review this Privacy Policy periodically for the latest information on our privacy practices.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

• Email: privacy@nvcplatform.net
• Mailing Address: NVC Banking Platform, 123 Financial Street, Suite 500, New York, NY 10001

13. Legal Basis for Processing (for EEA Users)

If you are in the European Economic Area (EEA), we process your personal information based on one or more of the following legal grounds:

• Performance of a Contract: Processing necessary to fulfill our contractual obligations to you
• Legitimate Interests: Processing necessary for our legitimate business interests
• Consent: Processing based on your specific consent
• Legal Obligation: Processing necessary to comply with applicable laws

14. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

• The duration of our relationship with you
• Legal obligations to retain data for certain periods
• Relevant statutes of limitations
• Ongoing or potential disputes or legal claims
• Guidelines issued by relevant data protection authorities