PRIVACY NOTICES

1. Applicability Of This Policy

This Policy applies to personal information collected by Prof-Chain through the Services. This Policy does not apply to information collected by third parties, including any websites, services, and applications that you elect to access through the Services. It also does not apply to information that you provide to, or that is collected by, any third party through any application, plug-in, content, or other service that may link to or be accessible from or on the Services.

We may use and disclose aggregated or de-identified information about our users for any purpose to the extent permitted by applicable law. When we use the term "personal information" in this Policy, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to an individual.

2. When and How We Collect Information

We collect information about you in various ways when you use our Services. We collect information directly from you, automatically through your use of our Services, and from third parties.

2.1 Information You Provide to Us

We collect information that you provide directly to us, including when you:

• Create an account and use our Services;
• Make a transaction;
• Participate in surveys, contests, promotions, or other activities;
• Request customer support or otherwise communicate with us;
• Subscribe to marketing communications; or
• Post or share information through our Services or through our social media pages.

2.2 Information We Collect Automatically

When you access or use our Services, we automatically collect information about you, including:

• Log and Usage Data: We collect information about your use of our Services, including the type of browser you use, access times, pages viewed, your IP address, and the page you visited before navigating to our Services;
• Device Information: We collect information about the computer or mobile device you use to access our Services, including the hardware model, operating system and version, unique device identifiers, and mobile network information;
• Location Information: We may collect information about the location of your device each time you access or use our Services or otherwise consent to the collection of this information;
• Information Collected by Cookies and Other Tracking Technologies: We and our service providers use various technologies to collect information, including cookies and web beacons.

2.3 Information We Collect from Other Sources

We may also obtain information about you from other sources, including:

• Identity verification services;
• Credit bureaus;
• Fraud detection services;
• Blockchain data;
• Marketing and analytics partners; and
• Other third parties that you allow to share information with us.

3. What Information We Collect

The types of information we may collect include:

3.1 Account Information

• Full name;
• Email address;
• Username and password;
• Date of birth;
• Residential address;
• Phone number;
• Government-issued identification (such as driver's license, passport, or state ID);
• Social Security Number or other taxpayer identification number;
• Biometric data (such as facial recognition data);
• Employment information;
• Financial information (such as bank account details).

3.2 Transaction Information

• Information about the transactions you make on our Services, such as the name of the recipient, transaction amount, and timestamp;
• Blockchain addresses and transaction IDs;
• Payment card information and billing address.

3.3 Communications

• Your communications with us, including customer support inquiries;
• Survey responses;
• Information you provide when you participate in contests, promotions, or sweepstakes.

3.4 Technical Information

• IP address;
• Browser type and version;
• Device identifiers;
• Operating system;
• Time zone setting;
• Browser plug-in types and versions;
• Log data and usage patterns.

4. How We Use Information

We use the information we collect about you for various purposes, including to:

• Provide, maintain, and improve our Services;
• Process transactions and send you related information, including confirmations, receipts, invoices, and notifications;
• Verify your identity and prevent fraud;
• Comply with legal obligations, including anti-money laundering (AML) and know-your-customer (KYC) requirements;
• Send you technical notices, updates, security alerts, and support and administrative messages;
• Respond to your comments, questions, and requests, and provide customer service;
• Communicate with you about products, services, offers, promotions, rewards, and events offered by Prof-Chain and others, and provide news and information we think will be of interest to you;
• Monitor and analyze trends, usage, and activities in connection with our Services;
• Detect, investigate, and prevent fraudulent transactions and other illegal activities and protect the rights and property of Prof-Chain and others;
• Personalize and improve the Services and provide content or features that match user profiles or interests;
• Facilitate contests, sweepstakes, and promotions and process and deliver entries and rewards;
• Link or combine with information we get from others to help understand your needs and provide you with better service;
• Carry out any other purpose described to you at the time the information was collected.

5. How We Share Information

We may share your information as follows or as otherwise described in this Policy:

5.1 With Service Providers

We may share your information with third-party vendors, consultants, and other service providers who perform services on our behalf, including:

• Identity verification services;
• Payment processing services;
• Fraud detection and prevention services;
• Customer support services;
• Marketing and analytics services;
• Cloud storage providers;
• IT and security services.

5.2 For Legal Purposes

We may share information if we believe it is necessary to:

• Comply with applicable law, regulation, legal process, or governmental request;
• Enforce our agreements, policies, and terms of service;
• Protect the security or integrity of our Services;
• Protect Prof-Chain, our users, or the public from harm or illegal activities;
• Respond to an emergency which we believe in good faith requires us to disclose information.

5.3 Business Transfers

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

5.4 With Your Consent

We may share your information with third parties when you give us your consent to do so.

5.5 Aggregated or De-Identified Information

We may share aggregated or de-identified information that cannot reasonably be used to identify you.

6. Cookies and Similar Technologies

We and our service providers use cookies, web beacons, and other tracking technologies to collect information about you when you interact with our Services. Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular, and count visits.

Types of Cookies We Use:

• Essential Cookies: These cookies are necessary for the Services to function and cannot be switched off. They are usually set in response to actions made by you, such as setting your privacy preferences, logging in, or filling in forms;
• Performance Cookies: These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our Services;
• Functional Cookies: These cookies enable the Services to provide enhanced functionality and personalization;
• Targeting Cookies: These cookies may be set through our Services by our advertising partners to build a profile of your interests and show you relevant ads on other sites.

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Services. For more information about cookies, please see our Cookie Policy.

7. Third-Party Services and Websites

The Services may contain links to third-party websites, plug-ins, services, social networks, or applications. Clicking on those links or enabling those connections may allow the third party to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our Services, we encourage you to read the privacy policy of every website you visit.

We may allow third parties to provide analytics services and serve advertisements on our behalf across the internet. These entities may use cookies, web beacons, device identifiers, and other technologies to collect information about your use of the Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in apps, links clicked, and conversion information.

8. Security of Your Information

We take reasonable measures to help protect information about you from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. We use technical, administrative, and physical security measures designed to safeguard the information in our custody and control. These measures include:

• Encryption of data in transit and at rest;
• Regular security assessments and penetration testing;
• Access controls and authentication mechanisms;
• Employee training on data security and privacy;
• Monitoring and logging of system activities;
• Incident response procedures.

However, no security system is impenetrable, and we cannot guarantee the security of our systems 100%. In the event that any information under our control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and, where appropriate, notify those individuals whose information may have been compromised and take other steps in accordance with applicable laws and regulations.

9. Data Retention

We store the information we collect about you for as long as necessary for the purposes for which we collected it or as required or permitted by applicable law. The criteria we use to determine our retention periods include:

• The length of time we have an ongoing relationship with you and provide the Services to you;
• Whether there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them);
• Whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation, or regulatory investigations).

When we no longer need to use your information and there is no need for us to keep it to comply with our legal or regulatory obligations, we will either remove it from our systems or anonymize it so that we can no longer identify you.

10. Your Rights and Choices

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

10.1 Access and Portability

You may have the right to request access to the personal information we have collected about you and to receive that information in a portable format.

10.2 Correction

You may have the right to request that we correct inaccurate personal information we have about you. You can update certain information through your account settings.

10.3 Deletion

You may have the right to request deletion of your personal information. Please note that we may need to retain certain information for legal or operational purposes.

10.4 Opt-Out of Marketing

You can opt out of receiving promotional emails from us by following the instructions in those emails or by updating your account preferences. If you opt out, we may still send you non-promotional emails, such as those about your account or our ongoing business relations.

10.5 Do Not Sell My Personal Information

Prof-Chain does not sell your personal information to third parties. If our practices change, we will update this Policy and provide you with the ability to opt out of such sales.

10.6 Exercising Your Rights

To exercise any of these rights, please contact us at privacy@prof-chain.com. We will respond to your request in accordance with applicable law. We may need to verify your identity before processing your request.

11. Children's Privacy

Our Services are not directed to children under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under age 18, we will take steps to delete such information as soon as possible. If you become aware that a child has provided us with personal information, please contact us at privacy@prof-chain.com.

12. International Data Transfers

Prof-Chain is based in the United States. If you are accessing our Services from outside the United States, please be aware that your information may be transferred to, stored, and processed by us in our facilities and by those third parties with whom we may share your personal information, in the United States and other countries.

These countries may have data protection laws that are different from the laws of your country. However, we have taken appropriate safeguards to require that your personal information will remain protected in accordance with this Privacy Policy. If you are located in the EEA, UK, or Switzerland, we comply with applicable legal requirements providing adequate protection for the transfer of personal information to countries outside of the EEA, UK, or Switzerland.

13. Changes to This Policy

We may update this Policy from time to time. If we make changes, we will notify you by revising the date at the top of the Policy and, in some cases, we may provide you with additional notice (such as adding a statement to our homepage or sending you a notification). We encourage you to review the Policy whenever you access the Services to stay informed about our information practices and the ways you can help protect your privacy.

Your continued use of the Services after the effective date of the revised Policy constitutes your acceptance of the terms. If you do not agree to the revised Policy, you must stop using the Services.

14. Contact Us

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