Privacy Policy

• Visit the Stabl Money website;
• Create a Stabl Money account;
• Use our mobile application;
• Create or access a digital wallet;
• Complete identity verification;
• Use payment, wallet, stablecoin, virtual account, or card features;
• Contact customer support;
• Participate in promotional campaigns;
• Communicate with us through email, chat, social media, or other official communication channels.

This Privacy Policy does not apply to third-party websites, decentralized applications, blockchain protocols, financial institutions, payment processors, exchanges, or other services that are not owned or controlled by Stabl Money. Those services are governed by their own privacy policies.

Account Information

• Full name
• Username
• Email address
• Phone number
• Country or region
• Language preferences
• Account settings

Identity Verification Information

Where required by law or our service providers, we may collect:

• Government-issued identification
• Selfie or liveness verification
• Date of birth
• Residential address
• Nationality
• Source of funds
• Occupation
• Other compliance-related information

Wallet and Transaction Information

We may process information relating to:

• Wallet addresses
• Supported blockchain networks
• Public wallet identifiers
• Transaction history
• Transaction amounts
• Token balances
• Network fees
• Blockchain transaction hashes
• Payment status
• Virtual account activity
• Card transactions
• Stablecoin transfers

Blockchain information may be publicly visible and permanently recorded on public blockchain networks.

Device Information

We may automatically collect:

• Device model
• Operating system
• Browser information
• IP address
• Device identifiers
• Application version
• Time zone
• Crash reports
• Diagnostic logs
• Security signals

Support Information

When you contact us, we may collect:

• Support requests
• Email correspondence
• Chat history
• Attachments
• Screenshots
• Feedback
• Survey responses

Information You Provide

Information you submit while creating an account, completing identity verification, contacting support, or using our Services.

Information Collected Automatically

Technical information generated while using our website or mobile application, including device information, security events, application logs, cookies, analytics, and usage statistics.

Blockchain Information

Certain blockchain transaction data is publicly available by design. We may retrieve publicly available blockchain information necessary to display balances, transaction history, and supported wallet activity.

Information from Third Parties

We may receive information from trusted third-party providers that support identity verification, compliance screening, fraud prevention, banking services, payment processing, blockchain infrastructure, customer support, analytics, or other operational functions necessary to provide the Services.

• Create and manage your account.
• Verify your identity and eligibility.
• Provide access to wallet and payment features.
• Process transactions and maintain transaction history.
• Enable stablecoin deposits, withdrawals, and transfers.
• Facilitate virtual account and payment services.
• Support payment card functionality where available.
• Detect, investigate, and prevent fraud, unauthorized activity, and security incidents.
• Conduct Anti-Money Laundering (AML), Know Your Customer (KYC), sanctions screening, and other compliance reviews.
• Respond to customer support requests.
• Send important account notifications, security alerts, and transaction confirmations.
• Improve, develop, test, and maintain our products and Services.
• Comply with applicable laws, regulations, court orders, and regulatory obligations.
• Protect the rights, safety, and security of Stabl Money, our users, partners, and the public.

We may also use aggregated or anonymized information for analytics, research, product development, and business reporting where such information cannot reasonably identify you.

• Performance of our contractual obligations to provide the Services.
• Compliance with applicable legal and regulatory requirements.
• Protection of our legitimate business interests, including fraud prevention, security, product improvement, and operational management.
• Protection of vital interests where necessary.
• Your consent, where required by applicable law.

If we rely on your consent, you may withdraw that consent at any time. Withdrawal will not affect processing that occurred before consent was withdrawn.

Service Providers

Trusted vendors providing cloud hosting, security, communications, analytics, customer support, infrastructure, and operational services.

Identity Verification & Compliance Providers

Third-party providers assisting with:

• Identity verification
• AML screening
• Sanctions screening
• Fraud prevention
• Risk assessments
• Compliance monitoring

Banking & Financial Partners

Where applicable, information may be shared with financial institutions and payment providers supporting:

• Virtual accounts
• Payment processing
• Stablecoin settlement
• Currency conversion
• Card programs
• Bank transfers

Blockchain Networks

Transactions submitted to public blockchain networks may become permanently visible on those networks. Blockchain records are public by design and are not controlled by Stabl Money.

Legal Authorities

We may disclose information where required to:

• Comply with applicable law;
• Respond to lawful governmental requests;
• Protect our legal rights;
• Prevent fraud;
• Protect users and the integrity of our Services.

Corporate Transactions

If Stabl Money undergoes a merger, acquisition, financing, restructuring, or sale of assets, personal information may be transferred as part of that transaction, subject to applicable law.

• Authenticate users.
• Maintain secure sessions.
• Improve application performance.
• Analyze Service usage.
• Detect fraud and abuse.
• Remember user preferences.
• Deliver product improvements.

You may control certain cookies through your browser or device settings. Please note that disabling certain technologies may affect the functionality, security, or availability of some Services.

• Using the unsubscribe link included in marketing emails;
• Updating your communication preferences within the Services, where available; or
• Contacting Stabl Money Customer Support.

Opting out of marketing communications will not affect service-related notifications such as security alerts, transaction confirmations, compliance requests, or legal notices.

• Encryption of data in transit and at rest where appropriate;
• Multi-factor authentication;
• Secure infrastructure and network monitoring;
• Role-based access controls;
• Security logging and auditing;
• Fraud detection systems;
• Vendor security assessments;
• Incident response procedures; and
• Regular security reviews.

Although we take reasonable measures to protect personal information, no system, network, blockchain, or method of electronic transmission can be guaranteed to be completely secure.

You are responsible for maintaining the security of your devices, passwords, authentication methods, recovery credentials, and account access. If you believe your account or personal information has been compromised, you should notify Stabl Money immediately.

• Provide the Services;
• Maintain your account;
• Complete transactions;
• Resolve disputes;
• Prevent fraud;
• Meet legal and regulatory obligations;
• Satisfy audit and recordkeeping requirements;
• Enforce our agreements.

The retention period depends on the type of information, the Services you use, applicable law, and our operational requirements.

Certain records relating to identity verification, compliance, transaction monitoring, fraud prevention, or financial services may be retained for the period required by applicable law or regulatory authorities.

Blockchain records cannot generally be modified or deleted because they exist on decentralized public networks beyond the control of Stabl Money.

When personal information is no longer required, we will securely delete, anonymize, or otherwise dispose of it in accordance with applicable laws and internal retention policies.

• Contractual data protection obligations;
• Secure technical controls;
• Organizational security measures;
• Vendor due diligence; and
• Other lawful transfer mechanisms recognized under applicable law.

By using the Services, you acknowledge that your information may be transferred internationally in accordance with this Privacy Policy.

• Requesting access to your personal information;
• Requesting correction of inaccurate information;
• Requesting deletion of eligible personal information;
• Requesting a copy of your personal information in a portable format;
• Withdrawing consent where processing is based on consent;
• Objecting to certain processing activities;
• Requesting restriction of processing in specific circumstances;
• Managing marketing communication preferences; and
• Filing a complaint with an appropriate data protection authority where permitted by law.

Before fulfilling a request, Stabl Money may verify your identity to protect your account and personal information.

Certain requests may be denied or limited where required by law, regulatory obligations, fraud prevention requirements, legal proceedings, security concerns, or contractual obligations.

• Government-issued identification;
• Identity verification records;
• Facial verification or liveness verification information where permitted by law;
• Financial information;
• Payment information;
• Compliance-related information;
• Source of funds information;
• Transaction history; and
• Other information required by law or our regulated service providers.

Stabl Money processes sensitive personal information only when necessary to:

• Verify your identity;
• Prevent fraud;
• Meet regulatory obligations;
• Protect the security of the Services;
• Provide financial products and features;
• Comply with applicable law.

We do not sell sensitive personal information and do not use it for targeted advertising unless expressly permitted by law and with any required consent.

• Wallet addresses;
• Transaction hashes;
• Asset types;
• Transaction amounts;
• Network identifiers;
• Timestamps; and
• Other publicly available blockchain metadata.

Because blockchain records are maintained by decentralized networks, Stabl Money cannot modify, delete, conceal, or reverse publicly available blockchain information.

Users should carefully consider the public nature of blockchain transactions before using blockchain-based Services.

• Identity verification;
• Fraud detection;
• AML and sanctions screening;
• Risk assessments;
• Transaction monitoring;
• Device security;
• Account protection;
• Compliance reviews; and
• Eligibility assessments.

These systems help identify unusual activity, prevent financial crime, and improve platform security.

Where required by applicable law, users may have the right to request additional information regarding certain automated decisions or to seek review of decisions affecting access to specific Services.