1.1 Scope of Policy: This Privacy Policy applies to all users of the XSPEND platform, including mobile applications and web services.

1.2 Consent: By using XSPEND, you consent to the collection and use of your information as described in this policy.

1.3 Updates to Policy: We may update this Privacy Policy from time to time. Any changes will be communicated to users via email or in-app notifications.

1.4 Contact Information: If you have questions or concerns about this Privacy Policy, please contact us at privacy@xspend.com.

1.5 Third-Party Links: Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites.

2.1 Data Collection: We collect personal information that you provide when creating an account, making transactions, or contacting customer support.

2.2 Automatic Data Collection: We may automatically collect information about your device, including IP address, browser type, and usage patterns.

2.3 Cookies and Tracking: XSPEND uses cookies and similar technologies to enhance user experience and analyze platform usage.

2.4 Data Security: We implement industry-standard security measures to protect your personal information from unauthorized access and disclosure.

2.5 User Rights: You have the right to access, update, or delete your personal information at any time by contacting our support team.

3.1 Personal Information: We collect your name, email address, phone number, and other identifying information when you register for an account.

3.2 Financial Information: Transaction history, wallet addresses, and payment details are collected to facilitate crypto transactions.

3.3 Identity Verification: To comply with regulatory requirements, we may collect government-issued identification documents for KYC (Know Your Customer) verification.

3.4 Device Information: We collect information about the devices you use to access XSPEND, including device type, operating system, and unique device identifiers.

3.5 Usage Data: Information about how you interact with the platform, including features used, pages visited, and time spent on the app.

4.1 Service Provision: We use your information to provide, maintain, and improve our services, including processing transactions and customer support.

4.2 Personalization: Your data may be used to personalize your experience on the platform, including customized recommendations and notifications.

4.3 Communication: We may use your contact information to send you service updates, promotional offers, and important notices about your account.

4.4 Security and Fraud Prevention: Your information is used to detect and prevent fraudulent activities, security breaches, and unauthorized access.

4.5 Legal Compliance: We may use your information to comply with legal obligations, respond to legal requests, and enforce our Terms of Service.

5.1 What Are Cookies: Cookies are small data files stored on your device that help us recognize you and remember your preferences.

5.2 Types of Cookies: We use both session cookies (temporary) and persistent cookies (stored on your device) to enhance your experience.

5.3 Third-Party Cookies: Some cookies are placed by third-party service providers for analytics and advertising purposes.

5.4 Managing Cookies: You can control cookie settings through your browser. However, disabling cookies may affect the functionality of the platform.

5.5 Analytics Tools: We use tools like Google Analytics to understand how users interact with our platform and improve our services.

6.1 Marketing Communications: We may send you promotional emails or make phone calls about new features, services, or special offers.

6.2 Opt-Out Options: You can opt out of marketing communications at any time by clicking the unsubscribe link in emails or contacting customer support.

6.3 Transactional Messages: Even if you opt out of marketing communications, you will still receive important transactional messages related to your account.

6.4 Frequency: We respect your inbox and limit the frequency of promotional communications to avoid overwhelming you with messages.

6.5 Third-Party Marketing: We do not sell or share your contact information with third parties for their marketing purposes without your consent.

7.1 Service Providers: We may share your information with trusted third-party service providers who assist us in operating the platform.

7.2 Legal Requirements: We may disclose your information to comply with legal obligations, court orders, or government requests.

7.3 Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

7.4 Fraud Prevention: We may share information with law enforcement or other organizations to prevent fraud and protect user safety.

7.5 With Your Consent: We may disclose your information to third parties when you provide explicit consent for such sharing.

8.1 Policy Updates: XSPEND reserves the right to update this Privacy Policy at any time to reflect changes in our practices or legal requirements.

8.2 Notification: Users will be notified of significant changes via email or in-app notifications, and the updated policy will be posted on our platform.

8.3 Effective Date: Changes to this Privacy Policy take effect immediately upon posting unless otherwise stated.

8.4 Continued Use: Your continued use of XSPEND after changes to this policy constitutes acceptance of the updated terms.

8.5 Review Regularly: We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information.

9.1 Invalid Provisions: If any provision of this Privacy Policy is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

9.2 Interpretation: This Privacy Policy will be interpreted in accordance with its intent and purpose, ensuring maximum protection of user privacy.

9.3 No Waiver: Failure to enforce any provision of this policy does not constitute a waiver of that provision.

9.4 Entire Agreement: This Privacy Policy, along with our Terms of Service, constitutes the entire agreement regarding data privacy between you and XSPEND.

9.5 Governing Law: This Privacy Policy is governed by the laws of [Your Jurisdiction], and any disputes will be resolved in accordance with those laws.