Privacy Policy

1. Introduction and Scope

This Privacy Policy ("Policy") describes how StablecoinPe ("we," "us," "our," or "Company") collects, uses, discloses, and protects your personal information when you use our platform and services. This Policy applies to all users of our Service, including organizations, their authorized representatives, and any other individuals who interact with our platform.

By using our Service, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with any provision of this Policy, you must immediately cease using our Service.

Business Use Only: Our Service is designed exclusively for legitimate business purposes. We do not knowingly collect personal information from individuals using our Service for personal, consumer, or non-business purposes.

2. Information We Collect

We collect information that you provide directly to us and information that is automatically collected when you use our Service.

2.1 Personal Information You Provide

• Account Information: Name, email address, phone number, job title, and organizational role
• Organization Details: Company name, legal entity information, business address, tax identification numbers, and regulatory compliance information
• Financial Information: Banking details, payment information, and transaction history (processed through secure third-party providers)
• Identity Verification: Government-issued identification, business licenses, and other verification documents as required by applicable regulations
• Communication Data: Messages, support requests, and other communications you send to us

2.2 Automatically Collected Information

• Usage Data: Information about how you use our platform, including features accessed, transaction patterns, and service interactions
• Technical Data: IP addresses, browser type and version, device information, operating system, and unique device identifiers
• Blockchain Data: Public wallet addresses, transaction hashes, and blockchain network information (all publicly available on the blockchain)
• Log Data: Server logs, error reports, and performance metrics
• Cookies and Tracking: Information collected through cookies, web beacons, and similar technologies

2.3 Information from Third Parties

• Identity Verification Services: Information from third-party identity verification providers
• Financial Institutions: Banking and payment information from financial service providers
• Regulatory Databases: Compliance and regulatory information from authorized sources
• Blockchain Networks: Public transaction data from blockchain networks

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service Provision: To provide, maintain, and improve our platform and services
• Account Management: To create and manage your account, process transactions, and provide customer support
• Compliance and Security: To comply with applicable laws, regulations, and industry standards, including AML/KYC requirements
• Risk Management: To assess and manage risks, detect and prevent fraud, and ensure platform security
• Communication: To send you important notices, updates, and respond to your inquiries
• Analytics and Improvement: To analyze usage patterns, improve our services, and develop new features
• Legal Obligations: To fulfill our legal obligations and enforce our rights under applicable agreements

Legal Basis: We process your personal information based on legitimate business interests, contractual necessity, legal obligations, and, where applicable, your consent.

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information in the following circumstances:

4.1 Service Providers and Partners

• Technology Partners: Cloud service providers, payment processors, and technical infrastructure providers
• Compliance Services: Identity verification, AML/KYC, and regulatory compliance service providers
• Analytics Providers: Service usage analytics and performance monitoring providers

4.2 Legal and Regulatory Requirements

• Law Enforcement: When required by law, court order, or government request
• Regulatory Authorities: To comply with financial regulations, AML/KYC requirements, and other regulatory obligations
• Legal Proceedings: In connection with legal proceedings, investigations, or to protect our rights and safety

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.

4.4 With Your Consent

We may share your information with third parties when you have provided explicit consent for such sharing.

5. Blockchain and Public Information

Important Notice: Please be aware that blockchain technology has unique privacy characteristics:

• Public Nature: All blockchain transactions are publicly visible and permanently recorded
• Wallet Addresses: Wallet addresses and transaction details are publicly accessible on the blockchain
• Irreversible Recording: Once recorded on the blockchain, information cannot be modified or deleted
• Third-Party Analysis: Third parties may analyze blockchain data and potentially link wallet addresses to identities
• No Control: We cannot control or modify information once it is recorded on the blockchain

Recommendations: Consider using multiple wallet addresses and other privacy-enhancing techniques to protect your privacy when using blockchain services.

6. Data Security and Protection

We implement comprehensive security measures to protect your personal information:

• Encryption: Data encryption in transit and at rest using industry-standard protocols
• Access Controls: Strict access controls and authentication mechanisms
• Security Monitoring: Continuous monitoring and threat detection systems
• Regular Audits: Regular security assessments and penetration testing
• Employee Training: Comprehensive security training for all employees
• Incident Response: Established incident response procedures and protocols

Limitations: Despite our security measures, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security of your data.

7. Data Retention and Deletion

Retention Periods: We retain your personal information for as long as necessary to:

• Provide our services and maintain your account
• Comply with legal and regulatory obligations
• Resolve disputes and enforce our agreements
• Detect and prevent fraud and security incidents

Deletion: When we no longer need your information, we will securely delete or anonymize it. Note that blockchain data cannot be deleted as it is permanently recorded.

Regulatory Requirements: Certain information must be retained for extended periods to comply with financial regulations and AML/KYC requirements.

8. Your Rights and Choices

Depending on your location and applicable laws, you may have certain rights regarding your personal information:

• Access: Request access to your personal information and receive a copy
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request a copy of your data in a portable format
• Objection: Object to certain processing of your information
• Restriction: Request restriction of processing in certain circumstances
• Withdrawal of Consent: Withdraw consent where processing is based on consent

Exercise of Rights: To exercise these rights, please contact us using the information provided below. We will respond to your request within the timeframes required by applicable law.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience and provide essential functionality:

• Essential Cookies: Required for basic platform functionality and security
• Analytics Cookies: Help us understand how users interact with our platform
• Security Cookies: Enhance security and prevent fraud
• Preference Cookies: Remember your settings and preferences

Cookie Management: You can control cookie settings through your browser preferences. However, disabling certain cookies may affect platform functionality.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place:

• Adequacy Decisions: Transfers to countries with adequate data protection laws
• Standard Contractual Clauses: Use of approved data transfer mechanisms
• Certification Programs: Participation in recognized privacy certification programs
• Additional Safeguards: Implementation of additional technical and organizational measures

11. Children's Privacy

Our Service is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

• Posting the updated Privacy Policy on our platform
• Sending you an email notification
• Displaying a prominent notice on our platform

Continued Use: Your continued use of our Service after any changes constitutes acceptance of the updated Privacy Policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Email: privacy@stablecoinpe.com
Address: [Business Address - To be updated upon company registration]
Phone: [Business Phone - To be updated upon company registration]
Data Protection Officer: dpo@stablecoinpe.com

Response Time: We will respond to your inquiries within the timeframes required by applicable law, typically within 30 days.

Regulatory Complaints: You also have the right to lodge a complaint with your local data protection authority if you believe we have not addressed your concerns adequately.

Note: This service is currently in development. Company registration and formal business address will be provided upon official launch.