Privacy Policy

1. Introduction

This Privacy Policy explains how Flash to Loan ("we," "us," or "our") collects, uses, discloses, and protects your personal information when you use our website and services (collectively, the "Services").

By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

When you use our Services, we may collect the following information:

• Account Information: Username, password (encrypted), and account preferences
• Loan Application Data: Loan amount, repayment duration, crypto experience level, and other application details
• Contact Information: Telegram/WhatsApp contact details (optional)
• Transaction Information: Cryptocurrency wallet addresses, transaction hashes, and payment details
• Communication Data: Messages you send to our support team

2.2 Automatically Collected Information

We automatically collect certain information when you use our Services:

• Device Information: IP address, browser type, operating system, and device identifiers
• Usage Data: Pages visited, features used, time spent on the platform, and interaction patterns
• Cookies and Similar Technologies: We use cookies to enhance your experience and analyze usage patterns
• Log Data: Server logs including access times, error messages, and system events

2.3 Information We Do NOT Collect

In line with our privacy-first approach, we do NOT collect:

• Government-issued ID documents
• Social security numbers or tax identification numbers
• Proof of address documents
• Biometric data
• Email addresses (unless voluntarily provided for support)

3. How We Use Your Information

We use the collected information for the following purposes:

3.1 Service Provision

• Process and manage loan applications
• Verify transactions and process payments
• Maintain and improve our Services
• Provide customer support
• Send important service notifications

3.2 Security and Fraud Prevention

• Detect and prevent fraudulent activities
• Monitor for suspicious behavior
• Protect against unauthorized access
• Enforce our Terms of Service
• Comply with legal obligations

3.3 Analytics and Improvement

• Analyze usage patterns and trends
• Improve platform functionality
• Develop new features and services
• Optimize user experience

4. Information Sharing and Disclosure

4.1 We Do Not Sell Your Information

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

4.2 Limited Sharing

We may share your information only in the following circumstances:

• Service Providers: Third-party vendors who help us operate our Services (e.g., hosting providers, payment processors)
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Protection of Rights: To protect our rights, property, or safety, or that of our users
• With Your Consent: When you explicitly authorize us to share your information

4.3 Blockchain Transparency

Please note that cryptocurrency transactions are recorded on public blockchains. While wallet addresses are pseudonymous, transaction details are publicly visible and permanent.

5. Data Security

We implement industry-standard security measures to protect your information:

5.1 Technical Safeguards

• Encryption: 256-bit SSL encryption for data transmission
• Secure Storage: Encrypted databases with access controls
• Password Protection: Passwords are hashed and salted
• Firewall Protection: Multi-layer firewall systems
• DDoS Protection: Advanced protection against distributed attacks

5.2 Organizational Safeguards

• Limited employee access to personal data
• Regular security audits and assessments
• Employee training on data protection
• Incident response procedures

6. Data Retention

We retain your information for as long as necessary to:

• Provide our Services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain business records

When information is no longer needed, we securely delete or anonymize it.

7. Your Rights and Choices

7.1 Access and Control

You have the right to:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and data
• Portability: Receive your data in a portable format
• Objection: Object to certain data processing activities

7.2 Cookie Preferences

You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our Services.

7.3 Marketing Communications

You can opt out of marketing communications at any time. Service-related communications are necessary for account operation and cannot be opted out of.

8. Children's Privacy

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

10. Third-Party Links

Our Services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any information.

11. Cookies and Tracking Technologies

11.1 Types of Cookies We Use

• Essential Cookies: Required for basic site functionality
• Performance Cookies: Help us understand how visitors use our site
• Functionality Cookies: Remember your preferences and settings
• Security Cookies: Authenticate users and prevent fraud

11.2 Managing Cookies

Most browsers allow you to control cookies through their settings. You can:

• Block all cookies
• Accept only first-party cookies
• Delete cookies after each session
• Receive notifications when cookies are set

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date
• Sending notifications for material changes

Your continued use of our Services after changes constitutes acceptance of the updated Privacy Policy.

13. Data Breach Notification

In the event of a data breach that may affect your personal information, we will:

• Notify affected users promptly
• Describe the nature of the breach
• Explain steps we are taking to address it
• Provide recommendations to protect your information
• Comply with applicable data breach notification laws

14. Your California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising your rights

15. European Privacy Rights (GDPR)

If you are in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Contact Page: Visit our Contact Us page
• Support: Through our Help Center