Privacy Policy

1. Introduction

Welcome to usmewe.com ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our decentralized social credit platform.

By using usmewe.com, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide

• Account information (email address, username)
• Profile information (name, profile picture)
• Identity verification data (for KYC compliance)
• Guardian relationships and social connections
• Transaction history and loan records
• Communications with us or other users

2.2 Information Collected Automatically

• Device information (device type, operating system)
• Log data (IP address, browser type, access times)
• Usage data (features used, interactions)
• Blockchain transaction data (public wallet addresses)

2.3 Information from Third Parties

• OAuth providers (Google) for authentication
• Payment processors for on-ramp services
• Blockchain networks for transaction verification

3. How We Use Your Information

We use the collected information to:

• Provide, maintain, and improve our services
• Calculate and update your Trust Score
• Process loans and transactions
• Verify your identity and prevent fraud
• Communicate with you about your account
• Send important notifications and updates
• Comply with legal obligations
• Protect the security of our platform

4. Trust Score & Social Data

Your Trust Score is calculated based on your activity on the platform, including:

• Repayment history and timeliness
• Account seniority
• Transaction volume
• Number of verified Guardians
• XP level and achievements

Your Trust Score is visible to other users when you interact with them for loans. You can control visibility settings in your account preferences.

5. Data Sharing & Disclosure

We may share your information with:

• Other Users: Trust Score, public profile, and transaction history with counterparties
• Guardians: Limited information necessary for social recovery and vault protection
• Service Providers: Third parties who assist in operating our platform
• Legal Requirements: When required by law or to protect our rights
• Blockchain Networks: Transaction data is recorded on public blockchains

6. Data Security

We implement robust security measures to protect your data:

• End-to-end encryption for sensitive data
• Non-custodial wallet architecture
• Multi-signature protection for Social Vault
• Regular security audits
• Secure data centers with SOC 2 compliance

7. Your Rights (GDPR)

Under GDPR and similar regulations, you have the right to:

• Access: Request a copy of your personal data
• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your data ("right to be forgotten")
• Portability: Export your data in a machine-readable format
• Restriction: Limit how we process your data
• Objection: Object to certain types of processing

To exercise these rights, visit Settings → Privacy → Data Export/Deletion in the app, or contact us at privacy@usmewe.com.

8. Data Retention

We retain your personal data for as long as your account is active or as needed to provide services. After account deletion, we may retain certain data for legal compliance (up to 7 years for financial records). Blockchain transaction data is immutable and cannot be deleted from public networks.

9. Cookies & Tracking

We use essential cookies for authentication and security. We do not use third-party advertising trackers. You can manage cookie preferences in your browser settings.

10. Children's Privacy

usmewe.com is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected data from a child, we will delete it promptly.

11. International Transfers

Your data may be transferred to and processed in countries outside your residence. We ensure appropriate safeguards are in place, including Standard Contractual Clauses approved by the European Commission.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes via email or in-app notification. Your continued use of usmewe.com after changes constitutes acceptance of the updated policy.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at: