Privacy Policy

Effective: January 1, 2026

JP finance ("Company") values your privacy and complies with applicable data protection laws. This policy describes the personal information we collect, how we use it, retention periods, third-party sharing, and your rights.

Article 1 (Information We Collect)

1. Required Information

• Registration: email, password, name; phone may be collected when required for service (e.g. loan application)
• Loan application: collateral coin, amount, loan amount, term, payout method
• Stablecoin payout: USDT or USDC receiving wallet address
• USDT/USDC payout: receiving wallet address (TRC-20 or ERC-20)

2. Automatically Collected

• Usage logs, access logs, IP address, cookies, device information

Article 2 (Purpose of Collection and Use)

• Account management: registration, verification, fraud prevention, account closure
• Loan services: collateral valuation, limit calculation, disbursement, repayment management
• Customer support: inquiries, dispute resolution, service improvement
• Legal compliance: retention and disclosure as required by law

Article 3 (Retention Period)

1. We delete personal data when the purpose is achieved. Exceptions:

• Contract/withdrawal records: 5 years
• Payment/supply records: 5 years
• Consumer complaints/disputes: 3 years
• Advertising records: 6 months
• Website visit logs: 3 months

2. Upon account deletion, data is deleted immediately except where retention is legally required.

Article 4 (Third-Party Disclosure)

1. We do not share your personal information with third parties as a rule.

2. Exceptions:

• With your prior consent
• When required by law
• When requested by investigative authorities under lawful procedure

Article 5 (Data Processing Outsourcing)

We may outsource authentication, payment, cloud storage, etc. We disclose subcontractors and supervise to ensure secure handling of your data.

Article 6 (Your Rights)

You may exercise the following rights at any time:

• Request access to your data
• Request correction of errors
• Request deletion
• Request suspension of processing

Contact us in writing, by phone, or email. Rights may also be exercised through a representative as permitted by law.

Article 7 (Security Measures)

We take the following measures to protect your data:

• Encryption: Passwords hashed; sensitive data encrypted
• Access control: Limited access to personal data systems
• Access logs: Logged and periodically reviewed
• Security software: Antivirus and regular updates
• Physical security: Safe storage of documents and media containing personal data

Article 8 (Cookies)

We may use cookies to provide personalized services. Cookies are small text files stored on your device for login persistence, usage statistics, etc. You may refuse cookies via browser settings, but some features may be limited.

Article 9 (Privacy Officer)

We designate a privacy officer responsible for data processing. Contact us via the in-service contact channel for privacy-related inquiries.

Article 10 (Policy Changes)

This policy may be revised due to legal or technical changes. Changes are announced at least 7 days before the effective date.

Effective: January 1, 2026