Privacy Policy

TABLE OF CONTENTS

1. Introduction

We (“InnerCredits”, “we”, “us”, “our”) value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your information when you use the InnerCredits website, mobile apps, and related services (collectively, “Platform”).

By accessing or using InnerCredits, you acknowledge you have read and understood this Policy and agree to our data practices.

2. Information We Collect

2.1 Information You Provide

• Account Registration: Name, email, username, password, date of birth, country.
• Identity Verification: Legal name, address, government-issued ID, selfie, and tax information as required for compliance.
• Payment Information: Credit card details, digital wallet information, and cryptocurrency wallet addresses for purchasing InnerCredits.
• Customer Support: Information you provide in help requests, surveys, or feedback.

2.2 Information We Collect Automatically

• Usage Data: IP address, device and browser type, OS, access times, referrer, page views, and Platform interactions.
• Transaction Data: Purchase history, transaction amounts, payment methods used, and InnerCredits transfer records.
• Log Files & Analytics: Log data, error reports, activity logs, cookies, web beacons, and analytics data.

2.3 Information from Third Parties

• Payment Processors: When you purchase InnerCredits through PayPal, Stripe, or NOWpayments, we receive transaction confirmation and payment verification data.
• Fraud Prevention: Data from fraud prevention services and identity verification providers.
• Other Sources: Data from service providers and partners for compliance, security, or analytics purposes.

3. How We Use Information

• To create and manage your account and deliver Platform services.
• To verify your identity and eligibility for purchasing InnerCredits.
• To process InnerCredits purchases and automatically transfer credits to your InnerFans wallet.
• To detect, prevent, and investigate fraud, money laundering, and other illegal activities.
• To communicate with you about transactions, account activity, updates, and support.
• To analyze, improve, and secure the Platform and payment processing systems.
• To enforce our Terms of Service and prevent abuse of our services.
• To comply with legal obligations, regulatory requirements, and resolve disputes.

4. How We Share Information

• With Payment Processors: We share necessary payment information with PayPal, Stripe, and NOWpayments to process your InnerCredits purchases securely.
• With InnerFans: We share your purchase confirmation and InnerCredits amount to credit your InnerFans wallet. We do not share your payment card details.
• With Service Providers: We use trusted vendors for hosting, analytics, customer support, fraud prevention, and other operational needs.
• For Legal Reasons: When required by law, subpoena, regulatory request, or to protect InnerCredits or others from harm.
• Business Transfers: If InnerCredits is involved in a merger, sale, or bankruptcy, your data may be transferred as part of that process.
• With Consent: For any other purpose disclosed to you and with your explicit consent.

5. Cookies & Tracking Technologies

• We use cookies and similar technologies to operate, analyze, and improve our services, remember your preferences, ensure secure logins, and prevent fraud.
• You can control cookies in your browser settings, but disabling cookies may affect your experience on InnerCredits and your ability to complete purchases.
• We do not use cookies for third-party advertising or tracking outside of InnerCredits payment processing.

6. Third-Party Services & Integrations

• InnerCredits integrates with third-party payment processors (PayPal, Stripe, NOWpayments) and may link to InnerFans or other external sites. These have their own privacy policies and practices, which are not governed by InnerCredits.
• We are not responsible for the privacy or security of external sites or services, including payment processor websites.

7. Data Retention

• We retain your data only as long as necessary to provide services, comply with financial regulations, resolve disputes, and enforce agreements.
• Transaction records may be retained for longer periods as required by law, tax regulations, and anti-money laundering requirements.
• Some data may be retained after account deletion as required by law or for legitimate business needs.

8. Data Security

• We use industry-standard security measures: encryption, secure storage, access controls, PCI-DSS compliance for payment processing, and regular security reviews.
• Payment information is processed by certified secure payment processors and is not stored on InnerCredits servers.
• No service is completely secure. If you believe your data or account has been compromised, notify us immediately.

9. Your Rights & Choices

• Access & Correction: Update your info in your account settings or contact support to access or correct your personal data.
• Data Deletion: Delete your account through our support channels. Some data may be retained as required by financial regulations and law.
• Transaction History: Access your complete InnerCredits purchase history and transaction records in your account dashboard.
• Marketing: We do not send marketing emails without your consent. You may opt out of non-essential communications at any time.

10. Children’s Privacy

• InnerCredits is not for children under 18. We do not knowingly collect information from individuals under 18. If you believe a child under 18 has provided us information, please contact us for immediate removal.

11. Changes to this Policy

• We may update this Policy as our services, payment methods, or laws change. Significant changes will be announced on the Platform or via email.
• Your continued use of the Platform after changes means you accept the revised Policy.