Privacy Policy
Effective Date: January 2, 2025
At Strategy Loan, your privacy and trust are extremely important to us. This Privacy Policy outlines how we collect, use, protect, and disclose your personal information when you access or use any of our services. As a digital financial platform offering crypto-backed loans and financial services, we are committed to protecting your privacy in compliance with applicable data protection laws.
1. Information We Collect
We may collect various types of information depending on how you interact with our services, including but not limited to:
- Personal Identification Information: Full name, date of birth, gender, nationality, government-issued ID, passport, or utility bill for KYC verification.
- Contact Details: Email address, phone number, residential address.
- Account Credentials: Login details, password (encrypted), two-factor authentication tokens.
- Financial Information: Bank account numbers, crypto wallet addresses, transaction history, proof of income, and employment status.
- Usage Data: IP address, device information, operating system, browser type, pages visited, referral URLs, session time, and clickstream data.
- Communication Records: Emails, chat logs, support tickets, call recordings (where applicable).
2. How We Use Your Information
Your data is collected and processed to enable us to deliver safe, efficient, and customized financial services. We may use your data to:
- Register and maintain your user account on Strategy Loan.
- Process and evaluate your loan applications, collateral submissions, and repayment activities.
- Conduct identity verification and fraud prevention using our KYC/AML partners.
- Manage your transactions, including crypto or fiat deposits, withdrawals, and balance updates.
- Send you transaction notifications, account alerts, and relevant service communications.
- Respond to your inquiries and provide customer support.
- Improve our platform, perform analytics, and understand usage trends.
- Enforce our Terms and Conditions, comply with legal obligations, and respond to lawful government requests.
- Send promotional emails or offers, only if you opt-in to receive them.
3. Legal Basis for Processing (GDPR Compliance)
If you are located in the European Economic Area (EEA), our processing of your personal data is justified under one or more legal bases:
- Your consent.
- The performance of a contract with you.
- Compliance with legal obligations.
- Our legitimate interests (such as fraud prevention and platform security).
4. How We Share Your Information
We will never sell or rent your personal data. However, we may share it under the following circumstances:
- With trusted third-party service providers such as KYC/AML providers, payment processors, cloud hosting, and analytics platforms—only to the extent necessary.
- With regulators, government agencies, or law enforcement where required by law or regulatory obligation.
- With affiliated entities and subsidiaries of Strategy Loan for service operations and risk management.
- With auditors, legal counsel, or professional advisors as part of compliance and risk audits.
5. Behavioral Tracking and Cookies
Strategy Loan uses cookies and tracking technologies to personalize your experience, analyze traffic, and improve the site’s functionality. These may include:
- Session cookies to maintain login state.
- Analytics cookies from tools like Google Analytics to monitor traffic and behavior.
- Marketing cookies for personalized advertising if you have consented.
You can modify your browser settings to control cookies or delete them at any time. Disabling cookies may affect site functionality.
6. How We Protect Your Data
We implement a multi-layered approach to securing your data:
- SSL encryption on all data transmissions
- Encrypted database storage
- Secure cloud infrastructure with restricted access
- Regular security audits and penetration testing
- Role-based access control for internal staff
- Two-factor authentication (2FA) for account access
Although we take significant steps to safeguard your data, no online service is completely immune to risks. We advise you to use strong passwords and enable all security features provided.
7. International Data Transfers
Your personal data may be transferred to and processed in countries outside your own, including locations where data protection laws may differ. In such cases, we take appropriate safeguards such as Standard Contractual Clauses or require service providers to be GDPR-compliant.
8. Your Rights and Choices
Depending on your location, you may have the following rights regarding your personal data:
- Right to access – obtain a copy of the data we hold about you
- Right to rectification – correct any inaccurate or incomplete data
- Right to erasure – request deletion of your data, where applicable
- Right to restrict processing – temporarily limit use of your data
- Right to object – to certain processing such as direct marketing
- Right to data portability – request a copy of your data in a readable format
To exercise any of these rights, please email us at privacy@strategyloan.com. We may require verification of your identity before processing such requests.
9. Retention of Information
We retain your personal data for as long as your account is active or as needed to provide our services. Some information may be retained even after account closure to comply with legal, accounting, or regulatory requirements.
10. Marketing Preferences
You may opt-in or opt-out of receiving promotional content from Strategy Loan. To manage your preferences, log in to your dashboard settings or click the "unsubscribe" link in any marketing email. Transactional and service emails cannot be opted out of.
11. Children’s Privacy
Strategy Loan does not knowingly collect information from children under the age of 18. If we become aware that such data has been provided, we will promptly delete it and may restrict access to the account.
12. Changes to This Privacy Policy
We reserve the right to update this Privacy Policy from time to time. All changes will be posted on this page and the “Effective Date” will be updated. If the changes are material, we may notify you via email or your dashboard.
13. Contact Us
If you have questions, concerns, or complaints regarding this Privacy Policy or our data practices, you may contact us through the following methods:
Thank you for trusting Strategy Loan. Your privacy and protection are at the core of our mission to deliver transparent, secure, and empowering financial services.
