Privacy Policy

Last Updated: 22-12-2025

Valuete Technologies Inc. ("Valuete," "we," "us," or "our") operates a peer-to-peer lending platform that facilitates Bitcoin-backed loans using multi-signature wallet technology. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

By using Valuete's services, you consent to the data practices described in this policy. If you do not agree with the practices described, please do not use our services.

1. Information We Collect

1.1 Personal Information

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

Identity Information: Full name, date of birth, government-issued identification documents, photographs
Contact Information: Email address, phone number, physical address
Financial Information: Bank account details, payment information, credit history, income verification documents
KYC/AML Information: Documents required for Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance

1.2 Blockchain and Cryptocurrency Information

Bitcoin wallet addresses (including multi-signature addresses)
Transaction history and blockchain data
Collateral amounts and loan-to-value (LTV) ratios
Smart contract addresses and interaction data

1.3 Loan and Contract Information

Loan application details (amount, interest rate, duration, repayment terms)
Collateral information (Bitcoin amounts, multisig wallet details)
Borrower-lender contract terms and agreements
Payment and repayment history
Communication records between borrowers and lenders

1.4 Technical Information

IP address, browser type, device information
Usage data, log files, cookies, and similar tracking technologies
Security authentication data (passkeys, two-factor authentication)

1.5 Communication Data

Messages sent through our platform
Customer support interactions
Marketing preferences and consent

2. How We Use Your Information

2.1 Service Provision

Loan Processing: Facilitate loan applications, verify eligibility, process approvals
Multi-Signature Wallet Management: Create and manage 3-of-multi-signature addresses for secure collateral custody
Contract Execution: Generate and enforce contracts between borrowers and lenders
Payment Processing: Process loan disbursements, repayments, and collateral liquidation
Account Management: Maintain your account, verify identity, provide customer support

2.2 Security and Risk Management

Fraud Prevention: Detect and prevent fraudulent activities
Risk Assessment: Evaluate creditworthiness and loan risk
Collateral Monitoring: Monitor Bitcoin collateral values and trigger liquidation when necessary
Security Measures: Implement multi-signature wallet security protocols

2.3 Compliance and Legal Obligations

KYC/AML Compliance: Verify identity and comply with anti-money laundering regulations
Regulatory Reporting: Meet legal and regulatory requirements
Dispute Resolution: Resolve disputes between borrowers and lenders
Legal Enforcement: Enforce terms of service and protect our legal rights

2.4 Platform Improvement

Analytics: Analyze usage patterns to improve our services
Product Development: Develop new features and services
Research: Conduct research on lending patterns and market trends

2.5 Communication

Service Updates: Send important notices about your account and transactions
Marketing: Send promotional materials (with your consent)
Support: Respond to your inquiries and provide customer support

3.1 With Other Users

Borrower-Lender Matching: Share relevant information to facilitate loan matching
Public Profiles: Display public profile information (ratings, verification status) to other users
Contract Details: Share contract terms and transaction details with relevant parties

3.2 With Service Providers

We may share information with third-party service providers who perform services on our behalf, including:

Payment processors
Identity verification services
Blockchain infrastructure providers
Cloud storage and hosting services
Analytics providers

3.3 For Legal and Compliance Purposes

We may disclose information when required by law, including:

Court orders, subpoenas, or legal processes
Regulatory investigations
Fraud prevention and security purposes
Protection of rights, property, or safety

3.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4. Security Measures

4.1 Multi-Signature Wallet Security

3-of-Multi-Signature Addresses: We use multi-signature Bitcoin wallets requiring multiple approvals for transactions
Distributed Key Management: Private keys are distributed and secured using industry-standard practices
Liquidation Protection: Automated systems monitor collateral and execute liquidation when necessary

4.2 Data Security

Encryption: We use encryption (SSL/TLS) to protect data in transit
Access Controls: Limited access to personal information on a need-to-know basis
Security Monitoring: Continuous monitoring for security threats and vulnerabilities
Regular Audits: Security audits and penetration testing

4.3 Account Security

Two-Factor Authentication: Available for enhanced account security
Passkey Support: Biometric and hardware key authentication options
Session Management: Secure session handling and timeout mechanisms

5. Data Retention

We retain your personal information for as long as necessary to:

Provide our services
Comply with legal obligations (typically 5-7 years for financial records)
Resolve disputes and enforce agreements
Maintain security and prevent fraud

After the retention period, we securely delete or anonymize your information.

6. Your Rights and Choices

6.1 Access and Correction

You have the right to:

Access your personal information
Correct inaccurate or incomplete information
Request deletion of your information (subject to legal requirements)

6.2 Data Portability

You may request a copy of your data in a machine-readable format.

6.3 Marketing Communications

You can opt-out of marketing communications by:

Clicking unsubscribe links in emails
Adjusting preferences in your account settings
Contacting us directly

6.4 Account Deletion

You may request account deletion, subject to:

Completion of active loans and contracts
Legal and regulatory retention requirements
Resolution of any disputes

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

Remember your preferences
Analyze platform usage
Provide personalized experiences
Ensure security

You can control cookies through your browser settings, but some features may not function properly if cookies are disabled.

8. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

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. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

Posting the updated policy on our website
Sending email notifications
Displaying notices on our platform

Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

12. Contact Us

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

Valuete Technologies Inc.

Email: contact@valuete.in

Support: support@valuete.in

Office Address:
447 Broadway, 2nd Floor Suite #769
New York, NY 10013
United States

Registered Address:
2055 LIMESTONE RD STE 200-C
WILMINGTON, DE 19808
United States

13. Additional Information for Specific Jurisdictions

13.1 European Economic Area (EEA) Users

If you are located in the EEA, you have additional rights under the General Data Protection Regulation (GDPR), including:

Right to erasure ("right to be forgotten")
Right to restrict processing
Right to object to processing
Right to lodge a complaint with a supervisory authority

13.2 California Residents

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

Right to know what personal information is collected
Right to delete personal information
Right to opt-out of sale of personal information (we do not sell personal information)
Right to non-discrimination for exercising your privacy rights

By using Valuete's platform, you acknowledge that you have read, understood, and agree to this Privacy Policy.