Privacy Policy

1. Information We Collect

• Account Information: Name, email address, phone number, password, and profile details.
• Identity Verification: Government-issued ID, date of birth, address, Social Security number (last four digits), and other information required to verify your identity and comply with law.
• Financial Information: Bank account details, transaction history, income and employment information, wallet balances, and linked payment methods.
• Usage Data: IP address, device type, browser, pages visited, and interactions with the Platform.
• Communications: Emails, chat messages, and customer support inquiries.

2. How We Use Your Information

• To provide, maintain, and improve the Platform and its features.
• To verify identity, prevent fraud, and comply with legal obligations.
• To process transactions, deposits, withdrawals, and peer-to-peer transfers.
• To communicate with you about your account, updates, and support.
• To personalize your experience and show relevant content.
• To enforce our Terms of Service and other agreements.

3. How We Share Information

We do not sell your personal information. We may share your information with:

• Service Providers: Stripe, Plaid, and other trusted partners that help us process payments, verify identity, and provide banking services.
• Other Users: Limited information (such as your display name) needed to complete peer-to-peer lending or borrowing transactions.
• Legal Authorities: When required by law, court order, or to protect our rights and users.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.

4. Cookies and Tracking

We use cookies and similar technologies to operate the Platform, remember preferences, analyze usage, and deliver relevant content. You can manage cookie preferences through your browser settings.

5. Data Security

We implement technical, administrative, and physical safeguards to protect your information. However, no system is completely secure, and we cannot guarantee absolute security. You are responsible for keeping your account credentials confidential.

6. Your Rights

Depending on your location, you may have the right to access, correct, delete, or restrict the use of your personal information. To exercise these rights, contact us at the email below.

7. Children's Privacy

The Platform is not intended for users under 18 years of age. We do not knowingly collect personal information from children under 18.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on the Platform and updating the effective date. Your continued use of the Platform after changes constitutes acceptance of the updated policy.

9. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at privacy@pynkfund.live.