‍Introduction
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‍Sivo DeFi ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your personal data when you use our services, including interactions with our AI systems. This policy applies to all users of our services globally, including residents of California, the European Union (EU), and other regions with specific privacy laws.

Information We Collect

Personal Data: We collect the following types of personal data:

‍Contact Information: First name, last name, phone number, email address, and address.

‍Company Information: For users acting on behalf of a company, we collect the company’s legal name, address, and website URL.

‍Account Information: Information used for accessing our services, including your email address or phone number, and codes sent to you for passwordless authentication.

‍Transaction Data: Details about payments to and from you, including payment methods, bank account details, credit card information, cryptocurrency wallet addresses, transaction amounts, dates, and other details necessary to make and receive payments, transfer money, and manage cryptocurrency transactions.

‍Technical Data: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our services.

‍Interaction Data: Information collected from your interactions with our AI systems, including chat logs, voice commands, and other communications.Usage Data: Information about how you use our services, including your browsing actions and patterns.

‍Marketing and Communications Data: Your preferences in receiving marketing from us and your communication preferences.

Special Categories of Data: In certain cases, we may collect special categories of personal data, such as financial  information, only with your explicit consent and in compliance with applicable laws.

How We Use Your Information

‍We use the personal data we collect for the following purposes:

‍To Provide Our Services: Including the use of AI systems to interact with you, respond to your inquiries, and improve our services.

‍To Process Transactions: To manage payments, transfer money and cryptocurrencies, process payment methods, facilitate the receipt of payments, and ensure secure and accurate financial transactions.

‍To Communicate with You: To send administrative information, marketing communications, and respond to your requests or inquiries.

‍To Improve Our Services: Including the use of data analytics to improve our website, services, marketing, customer relationships, and experiences.

‍To Comply with Legal Obligations: To comply with applicable laws and regulations, including responding to lawful requests from public authorities.

AI Interaction and Data Usage

‍Our AI systems may interact with you to gather information including for the purpose of underwriting, provide customer support, answer questions, and offer recommendations. The data collected during these interactions, such as chat logs and voice recordings, may be stored and analyzed to improve the AI's performance, enhance our services, and ensure compliance with our policies.

‍Transparency: You will be informed when you are interacting with an AI, and when the AI is unable to assist you, you may opt to speak with a human representative if preferred.

‍Data Minimization: We limit the collection of personal data to what is necessary to fulfill the purpose of the interaction.

‍Human Review: In some cases, data collected through AI interactions may be reviewed by a human to ensure quality and accuracy.

Data Sharing and Disclosure

‍We may share your personal data with the following parties:

‍Service Providers: Third-party vendors who provide services such as data analysis, payment processing, customer service, and marketing assistance.

‍Affiliates: Our subsidiaries, joint venture partners, or other companies under common control.

‍Legal and Regulatory Authorities: When required to comply with legal obligations, including court orders, subpoenas, or requests from government agencies.

‍Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your data may be transferred to the acquiring entity.

Your Rights

‍Depending on your location and applicable laws, you may have the following rights regarding your personal data:

‍Access: The right to request access to your personal data.

‍Correction: The right to request correction of inaccurate or incomplete data.

‍Deletion: The right to request the deletion of your personal data under certain circumstances.

‍Objection: The right to object to the processing of your data, including for direct marketing purposes.

‍Restriction: The right to request the restriction of processing your personal data.

‍Portability: The right to receive your personal data in a structured, commonly used, and machine-readable format, and to transmit it to another controller.

‍Consent Withdrawal: The right to withdraw consent at any time where we rely on consent to process your data.

Data Security

‍We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, disclosure, alteration, or destruction. These measures include encryption, access controls, and regular security assessments.

Data Retention

‍We retain your personal data only as long as necessary to fulfill the purposes for which it was collected, including to comply with legal, accounting, or reporting requirements. The retention period may vary depending on the nature of the data and the purposes for which it was collected.

International Data Transfers

‍Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different from the laws of your country. We take appropriate safeguards to ensure that your data remains protected when transferred internationally.

California Privacy Rights

‍If you are a California resident, you have the following additional rights under the CCPA:

‍Right to Know: The right to request disclosure of the personal data we have collected about you, including the categories of data, the sources from which it was collected, the purposes for collecting it, and the third parties with whom we share it.

‍Right to Delete: The right to request the deletion of your personal data, subject to certain exceptions.

‍Right to Opt-Out: The right to opt-out of the sale of your personal data.

‍Right to Non-Discrimination: The right not to be discriminated against for exercising your privacy rights.

GDPR Compliance

‍For users in the EU, we process your personal data in compliance with the GDPR. This includes:

‍Lawful Basis: We ensure that we have a lawful basis for processing your personal data, such as consent, contractual necessity, or legitimate interests.

‍Data Protection Officer: We have appointed a Data Protection Officer (DPO) to oversee our GDPR compliance efforts.

‍Data Subject Rights: We respect your rights as a data subject under the GDPR, as outlined in Section 5 of this policy.

Cookies and Tracking Technologies

‍We use cookies and similar tracking technologies to collect and use personal data about you, including to serve interest-based advertising. You can manage your cookie preferences through your browser settings or by using our cookie management tool.

Children's Privacy

‍Our services are not directed to individuals under the age of 16. We do not knowingly collect personal data from children under 16. If we become aware that a child under 16 has provided us with personal data, we will take steps to delete such information.

Changes to This Privacy Policy

‍We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. We will notify you of any significant changes by posting the new policy on our website and updating the "Last Updated" date at the top of this policy.

Contact Us

‍If you have any questions or concerns about these Terms of Services, please contact us at support@sivo.xyz or interact with our AI, Poe, at Sivo.xyz or via supported channels. Poe will assist you and open a support ticket with the human team at Sivo.