At Micro Protocol ("we," "our," or "us"), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our decentralized micro-lending platform.
1. Information We Collect
1.1 Personal Information
We may collect personal information that you provide directly, including:
- Name, email address, and contact information
- Wallet addresses and blockchain transaction data
- Social media account information (when connected)
- Identity verification documents (for KYC/AML compliance)
- Reputation and credit scoring data
1.2 Automatically Collected Information
When you interact with our platform, we automatically collect:
- IP address and device information
- Browser type and version
- Usage patterns and interaction data
- On-chain transaction history
- Smart contract interaction logs
2. How We Use Your Information
We use the collected information for the following purposes:
- To provide, maintain, and improve our lending services
- To process loan applications and manage your account
- To calculate credit scores using AI-powered reputation analysis
- To comply with legal obligations, including KYC/AML requirements
- To detect, prevent, and address fraud and security issues
- To communicate with you about your account and our services
- To analyze usage patterns and improve user experience
- To facilitate on-chain transactions and smart contract interactions
3. Information Sharing and Disclosure
We do not sell your personal information. We may share your information only in the following circumstances:
- Service Providers: With trusted third-party service providers who assist in operating our platform
- Legal Requirements: When required by law, court order, or regulatory authority
- Blockchain: Certain transaction data is publicly visible on the blockchain by design
- Business Transfers: In connection with a merger, acquisition, or sale of assets
- With Your Consent: When you explicitly authorize us to share your information
4. Data Security
We implement industry-standard security measures to protect your information:
- End-to-end encryption for sensitive data transmission
- Secure storage with access controls and monitoring
- Regular security audits and vulnerability assessments
- Smart contract security audits by reputable firms
- Multi-factor authentication options
- Regular backups and disaster recovery procedures
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
5. Your Privacy Rights
Depending on your jurisdiction, you may have the following rights:
- Access: Request access to your personal information
- Correction: Request correction of inaccurate information
- Deletion: Request deletion of your personal information (subject to legal requirements)
- Portability: Request transfer of your data to another service
- Objection: Object to certain processing activities
- Withdrawal: Withdraw consent where processing is based on consent
To exercise these rights, please contact us at privacy@microprotocol.io
6. Blockchain and Decentralization
Our platform operates on blockchain technology, which has unique privacy considerations:
- Blockchain transactions are immutable and publicly visible
- Wallet addresses and transaction amounts are recorded on-chain
- We cannot modify or delete on-chain data once recorded
- Your wallet address may be linked to your identity through on-chain analysis
- We use smart contracts that execute automatically based on code
7. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to:
- Remember your preferences and settings
- Analyze platform usage and performance
- Provide personalized experiences
- Ensure security and prevent fraud
You can control cookies through your browser settings, though this may affect platform functionality.
8. Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.
10. Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:
Micro Protocol
Email: privacy@microprotocol.io
Support: support@microprotocol.io