Consumer Data Privacy Policy

Hubwallet ("we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Consumer Data Policy explains how we collect, use, store, disclose, and safeguard the information you provide to us when using our website, services, and point-of-sale systems.

1. Information We Collect

We may collect the following types of personal and business information:

• Personal Identifiers: Name, email, phone number, mailing address, IP address.
• Payment Information: Credit/debit card numbers, billing addresses, transaction histories.
• Business Information: Business name, tax ID, banking details (if applicable).
• Device Information: Browser type, operating system, mobile device IDs, geolocation data.
• Usage Data: Website interactions, time spent, clicks, referral sources.

2. How We Use Your Information

We use the collected data to:

• Provide and support our payment processing and POS services.
• Complete transactions and deliver services requested.
• Improve our systems, products, and customer support.
• Prevent fraud, meet compliance requirements, and maintain security.
• Communicate product updates, promotions, and operational notices (with opt-out options).

3. Sharing of Information

We do not sell your personal information. We may share information with:

• Service Providers: Such as banks, card processors, or third-party software providers under contract.
• Compliance Partners: Including KYC/AML services, tax authorities, or regulatory agencies.
• Authorized Personnel: Employees or contractors who need access to provide services or support.
• Legal Requirements: If required to comply with applicable laws, court orders, or government requests.

4. Data Retention

We retain data for as long as necessary to:

• Fulfill contractual and legal obligations.
• Maintain accurate records for audits or regulatory needs.
• Resolve disputes and enforce agreements.

You may request deletion of your data unless we are required to retain it under applicable law.

5. Data Security

We use industry-standard administrative, technical, and physical safeguards to protect your information, including:

• End-to-end encryption for sensitive data.
• Secure socket layer (SSL) technology on our site.
• Role-based access control for internal systems.
• Regular vulnerability assessments and monitoring.

6. Consumer Rights

As a consumer, you may:

• Request access to the personal data we hold about you.
• Request correction or deletion of your data (subject to legal obligations).
• Opt out of certain communications.
• File complaints with applicable regulatory agencies regarding data privacy.

For any such requests, please email us at privacy@hubwallet.com.

7. Cookies and Tracking Technologies

Our website may use cookies or similar technologies to:

• Track session activity for analytics.
• Enhance user experience and page performance.
• Personalize marketing or content delivery.

You can manage your preferences via your browser settings or through our cookie banner.

8. Children's Privacy

Hubwallet services are not intended for individuals under 18. We do not knowingly collect data from minors. If we learn we've inadvertently collected such information, we will promptly delete it.

9. Changes to This Policy

We may update this policy periodically. The latest version will always be available on our website, and material changes will be communicated via email or site notification.