1. Information We Collect

a. Personal Information

When you sign up or interact with our platform, we may collect the following personal data:

• Full name, email address, phone number
• Residential or corporate address
• Nationality and country of residence
• Government-issued identification documents (e.g., passport, ID card)
• Financial details for KYC/AML (Know Your Customer / Anti-Money Laundering) compliance

b. Wallet and Transaction Information

• Public blockchain wallet addresses
• Transaction data recorded on supported blockchains
• Collateral deposit details and loan activity

c. Usage Data & Device Information

• IP address, browser type, language preferences, and operating system
• Device identifiers and referral sources
• Date and time of visit and session activity

d. Cookies & Tracking Technologies

We use cookies and similar tracking tools to improve functionality and user experience. You may manage your cookie preferences in your browser settings.

2. How We Use Your Information

We may use your data to:

• Process onboarding, identity verification, and risk assessment
• Manage your loan applications, repayments, and collateral
• Send transactional and system-related notifications
• Provide customer support and improve user experience
• Detect and prevent fraud or illegal activity
• Comply with legal obligations, regulatory requirements, and enforce platform terms

3. Legal Basis for Processing (GDPR Compliance)

We process your information based on:

• Your consent
• Contractual necessity (e.g., processing loans)
• Legal obligations (e.g., AML/CFT compliance)
• Legitimate interests (e.g., fraud prevention, improving our service)

4. Sharing and Disclosure

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

• Compliance & verification partners (e.g., KYC service providers)
• Technology vendors for hosting, analytics, and service delivery
• Regulatory authorities if legally required
• Legal and financial partners for processing your loan requests

All data processors operate under strict data protection obligations.

5. International Data Transfers

Your data may be stored or processed outside your country, including jurisdictions that may not have the same data protection laws. We ensure adequate safeguards such as Standard Contractual Clauses where required.

6. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you
• Request correction or deletion of your data
• Object to or restrict certain processing activities
• Withdraw your consent (where processing is based on consent)
• Lodge a complaint with a data protection authority

To exercise any of these rights, contact us at support@lendary.xyz

7. Data Retention

We retain your information as long as needed to provide services, comply with legal obligations, resolve disputes, and enforce our policies. Retention periods vary based on the nature of the data and applicable regulations.

8. Security

We implement industry-standard security measures, including encryption, access controls, and monitoring to protect your information. However, no method of transmission over the internet or blockchain is completely secure.

9. Children’s Privacy

Lendary.xyz is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

10. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these external services.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Significant changes may be communicated via email or platform notifications.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or your data, please contact us at:

Email: support@lendary.xyz
Website: https://www.lendary.xyz