Privacy Policy

1. Information We Collect

We collect information you provide directly to us, including:

• Account Information: Name, email address, phone number, and password when you create an account
• Profile Information: Business details, address, and identification documents for verification purposes
• Transaction Data: Payment information, transaction history, and wallet activity
• Communication Data: Messages, support tickets, and feedback you send to us
• Usage Data: How you interact with our services, IP address, device information, and browser type

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process transactions and send transaction confirmations
• Verify your identity and prevent fraud
• Send you technical notices, updates, and security alerts
• Respond to your comments, questions, and customer service requests
• Communicate with you about products, services, and promotional offers
• Monitor and analyze trends, usage, and activities
• Comply with legal obligations and enforce our terms

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

• With Your Consent: We'll share information when you explicitly consent
• Service Providers: With third-party vendors who perform services on our behalf
• Business Transfers: In connection with a merger, sale, or acquisition
• Legal Requirements: To comply with legal obligations or protect our rights
• Aggregated Data: We may share anonymized, aggregated data publicly

We never sell your personal information to third parties.

4. Data Security

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

• SSL/TLS encryption for data transmission
• Encrypted storage of sensitive information
• Regular security audits and penetration testing
• Two-factor authentication options
• Limited employee access to personal data
• PCI DSS compliance for payment processing

5. Data Retention

We retain your information for as long as your account is active or as needed to provide services. We may retain certain information:

• To comply with legal obligations
• To resolve disputes and enforce agreements
• For fraud prevention and security purposes
• As required by applicable laws and regulations

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and data
• Portability: Receive your data in a structured format
• Opt-Out: Unsubscribe from marketing communications
• Objection: Object to certain data processing activities

To exercise these rights, contact us at privacy@umva.net

7. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place, including:

• Standard contractual clauses approved by regulatory authorities
• Adherence to international data protection frameworks
• Encryption of data in transit and at rest

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will delete it immediately.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience. See our Cookie Notice for more information.

10. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of significant changes by:

• Posting the new policy on this page
• Updating the "Last Updated" date
• Sending you an email notification

11. Contact Us

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

• Email: privacy@umva.net
• Support: Contact Form