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Privacy Policy

Last updated: October 5, 2025

1. Introduction

Welcome to BlockCredit. We respect your privacy and are committed to protecting your personal data. This privacy policy explains how we handle your information when you use our decentralized peer-to-peer Bitcoin lending platform.

BlockCredit is a non-custodial platform built on blockchain technology. We do not hold, store, or have access to your Bitcoin or private keys at any time.

2. Information We Collect

2.1 Information You Provide

When you use BlockCredit, we may collect:

  • Your email address (if you choose to sign up for updates)
  • Wallet addresses (public blockchain addresses only)
  • Communication data when you contact our support team

2.2 Information Automatically Collected

  • Browser type and version
  • Device information and operating system
  • IP address and general location data
  • Usage data and interaction with our platform
  • Cookies and similar tracking technologies

2.3 Blockchain Data

All transactions on BlockCredit are recorded on public blockchains. This includes:

  • Transaction amounts and wallet addresses
  • Smart contract interactions
  • Loan terms and conditions
  • Collateral deposits and releases

Please note that blockchain data is public and permanent. We cannot delete or modify information recorded on the blockchain.

3. How We Use Your Information

We use the collected information to:

  • Provide and maintain our lending platform services
  • Process and facilitate loan transactions
  • Send you updates, newsletters, and important announcements (with your consent)
  • Improve our platform and user experience
  • Detect and prevent fraud, security issues, and technical problems
  • Comply with legal obligations and regulatory requirements
  • Analyze usage patterns and platform performance

4. Data Sharing and Disclosure

We do not sell your personal data to third parties. We may share your information with:

4.1 Service Providers

We work with trusted third-party service providers who help us operate our platform, including hosting providers, analytics services, and customer support tools.

4.2 Legal Requirements

We may disclose your information if required by law, court order, or government regulation, or to protect our rights, property, or safety.

4.3 Business Transfers

If BlockCredit is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Data Security

We implement industry-standard security measures to protect your information:

  • Encryption of data in transit using SSL/TLS
  • Secure storage of any personal information
  • Regular security audits and penetration testing
  • Access controls and authentication mechanisms
  • Smart contract audits by reputable third-party firms

However, no method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

6. Your Privacy Rights

Depending on your location, you may have the following rights:

  • Access: Request access to your personal data
  • Correction: Request correction of inaccurate data
  • Deletion: Request deletion of your personal data (note: blockchain data cannot be deleted)
  • Portability: Request a copy of your data in a portable format
  • Objection: Object to certain processing of your data
  • Withdraw Consent: Withdraw consent for data processing at any time

To exercise these rights, please contact us at privacy@blockcredit.app

7. Cookies and Tracking

We use cookies and similar technologies to improve your experience. You can control cookies through your browser settings. Types of cookies we use:

  • Essential Cookies: Required for the platform to function
  • Analytics Cookies: Help us understand how users interact with our platform
  • Preference Cookies: Remember your settings and preferences

8. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data in accordance with this privacy policy.

9. Children's Privacy

BlockCredit is not intended for users under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. Third-Party Links

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

11. Changes to This Privacy Policy

We may update this privacy policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

12. Contact Us

If you have any questions about this privacy policy or our data practices, please contact us: