Stablecoin Finance Hub

Privacy

Your privacy matters to us.

Privacy Policy

Introduction and Scope

This Privacy Policy explains how Stablecoin Finance Hub ("we," "us," or "our") collects, uses, shares, and protects personal information when you use our website at stablecoinfinancehub.com and our stablecoin-based payroll, treasury, and business finance services (collectively, the "Services").

This policy applies to information we collect from businesses that open accounts with us, individual employees or contractors who receive payments through our platform, and visitors to our website. It does not apply to third-party websites or services that we do not control.

By using the Services, you agree to the collection and use of information as described in this policy. If you do not agree, please do not use the Services.

Information We Collect

We collect information in three ways: information you provide, information collected automatically, and information from third parties.

Information You Provide

  • Account and business information: When a business registers, we collect the company name, legal entity type, business address, employer identification number (EIN), and beneficial ownership information as required by anti-money laundering (AML) and know-your-customer (KYC) laws.
  • Identity verification data: For individuals associated with an account (e.g., authorized signers, administrators) and for employees or contractors receiving payments, we collect name, date of birth, government-issued ID number, address, and, where permitted, a copy of the ID document.
  • Payroll and treasury data: To process payroll and treasury transactions, we collect employee/contractor names, wallet addresses, payment amounts, bank account details (for off-ramping), and transaction history.
  • Communications: If you contact us, we collect the content of your messages, including email and phone records.

Information Collected Automatically

When you use the Services, we automatically collect:

  • Device and usage data: IP address, browser type, operating system, pages visited, and actions taken within the Services.
  • Cookies and similar technologies: We use cookies, pixels, and local storage to operate the Services, remember preferences, and analyze usage. See the "Cookies and Tracking Technologies" section below.

Information from Third Parties

We may receive information from identity verification providers, blockchain analytics firms, payment processors, and public blockchain ledgers. For example, we may analyze public blockchain data to comply with AML obligations and to detect fraudulent or prohibited activity.

How We Use Your Information

We use personal information to:

  • Provide, operate, and maintain the Services, including processing payroll and treasury transactions.
  • Verify identity and comply with legal obligations, including AML, KYC, sanctions screening, and tax reporting.
  • Detect, prevent, and address fraud, security incidents, and prohibited activities.
  • Communicate with you about the Services, respond to inquiries, and send administrative messages.
  • Improve the Services through analytics and research.
  • Enforce our terms and comply with applicable law.

We do not sell personal information. We do not use personal information for automated decision-making that produces legal or similarly significant effects without human review.

How We Share Information

We share personal information only as described below:

  • Service providers: We share information with vendors that perform services on our behalf, such as identity verification, cloud hosting, payment processing, and customer support. These providers are contractually required to protect the information and use it only for the services they provide to us.
  • Financial institutions and blockchain networks: To process transactions, we may share information with banks, stablecoin issuers, and liquidity providers. Note that blockchain transactions are public by nature; we do not control the public visibility of on-chain data.
  • Legal and regulatory authorities: We may disclose information to comply with subpoenas, court orders, or regulatory requests, or to protect our rights, property, or safety.
  • Business transfers: If we are involved in a merger, acquisition, or sale of assets, personal information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have.

We do not share personal information with third parties for their own marketing purposes.

Data Security

We implement administrative, technical, and physical safeguards designed to protect personal information. These include encryption of data in transit and at rest, access controls, multi-factor authentication for account access, regular security assessments, and employee training.

No method of transmission or storage is completely secure. We cannot guarantee absolute security. You are responsible for keeping your account credentials confidential.

Your Rights and Choices

Depending on your location and applicable law, you may have the following rights:

  • Access: Request a copy of the personal information we hold about you.
  • Correction: Request that we correct inaccurate or incomplete information.
  • Deletion: Request that we delete your personal information, subject to legal retention requirements.
  • Restriction or objection: Request that we restrict or object to certain processing.
  • Portability: Request a machine-readable copy of your information.
  • Withdraw consent: Where processing is based on consent, you may withdraw it at any time.

To exercise these rights, contact us using the details in the "How to Contact Us for Privacy Inquiries" section. We will respond within the time required by law. We may need to verify your identity before fulfilling a request.

California residents: Under the California Privacy Rights Act (CPRA), you have the right to know, delete, correct, and opt out of the sale or sharing of personal information. We do not sell or share personal information as defined by the CPRA. To exercise CPRA rights, contact privacy@stablecoinfinancehub.com.

Cookies and Tracking Technologies

We use cookies and similar technologies for the following purposes:

  • Essential cookies: Required for the Services to function, such as authentication and security.
  • Analytics cookies: Help us understand how the Services are used so we can improve them.
  • Preference cookies: Remember your settings and choices.

You can control cookies through your browser settings. Disabling certain cookies may affect the functionality of the Services. We do not currently respond to "Do Not Track" signals.

Third-Party Services

The Services may link to or integrate with third-party services, such as blockchain explorers, wallet providers, and identity verification platforms. This Privacy Policy does not cover those third parties. We encourage you to review their privacy policies.

Data Retention

We retain personal information for as long as necessary to provide the Services and comply with legal obligations. For example, we retain KYC and transaction records for at least five years after account closure, as required by AML regulations. When information is no longer needed, we securely delete or anonymize it.

International Data Transfers

We are based in the United States. If you access the Services from outside the U.S., your information may be transferred to, stored, and processed in the U.S. or other countries where our service providers operate. We take steps to ensure that transfers comply with applicable law.

Children's Privacy

The Services are not intended for individuals under 18. We do not knowingly collect personal information from children. If we learn that we have, we will delete it.

Changes to This Privacy Policy

We may update this policy from time to time. If we make material changes, we will notify you by email or through the Services before the changes take effect. The "Last Updated" date at the top of this page indicates when the policy was last revised.

How to Contact Us for Privacy Inquiries

If you have questions about this Privacy Policy or our privacy practices, or to exercise your rights, please contact us:

We will respond to your inquiry as soon as possible and within any timeframe required by law.