Privacy Policy
Effective Date: April 7, 2026
UpFinance ("the Company") establishes and discloses this Privacy Policy to protect users' personal information in accordance with applicable data protection laws and to handle related inquiries promptly.
1. Personal Information Collected
- Required: Email address, full name, password (hashed), identity verification information
- Optional: Phone number, profile photo
- Payment-related: Card issuance information, deposit/payment history, wallet address
- Automatically collected: IP address, device information, cookies, access logs, service usage records
2. Purpose of Use
- Account management: Identity verification, KYC/AML compliance, fraud prevention
- Service provision: Crypto card issuance, deposits, payments, settlement processing
- Customer support: Inquiry response, dispute resolution, notice delivery
- Service improvement: Statistical analysis, new service development
- Legal compliance: Electronic Financial Transactions Act, Specific Financial Information Act, etc.
3. Retention Period
- Destroyed without delay upon account deletion (except where legally required)
- Contract/withdrawal records: 5 years (E-Commerce Act)
- Payment and supply records: 5 years (E-Commerce Act)
- Electronic financial transaction records: 5 years (Electronic Financial Transactions Act)
- Access logs: 3 months (Protection of Communications Secrets Act)
4. Third-Party Disclosure
The Company does not provide personal information to third parties without the user's consent, except in the following cases:
- When the user has given prior consent
- When required by law or requested under legal procedures for investigation purposes
- Minimum information provided to partner card companies (Visa network) for card issuance and payment processing
- Identity verification information provided to KYC/AML verification agencies
5. Security Measures
- Password encryption (hash) storage
- SSL/TLS encrypted communication
- Minimized access permissions and access control
- Retention and monitoring of system access logs
- Security software installation and periodic updates
6. User Rights
Users may exercise the following rights at any time:
- Request to view, correct, delete, or suspend processing of personal information
- Delete personal information through account withdrawal
- Withdraw consent
These rights may be exercised through service settings or customer support (support@upfinance.ai), and the Company will act without delay.
7. Privacy Officer
- Company: UpFinance
- Email: support@upfinance.ai
8. Policy Changes
This Privacy Policy may be revised in accordance with changes in laws or services, and any changes will be announced through service notifications.