Privacy Policy

1. Information We Collect

We collect the following categories of personal information:

• Identity Information: Full name, date of birth, government-issued ID (driver's license, passport, or national ID), and biometric face scan for verification purposes.
• Contact Information: Email address, phone number, and mailing address.
• Financial Information: Payment method details (masked), transaction history, contribution records, and payout records.
• Usage Data: Device information, IP address, browser type, pages visited, and interaction patterns.

2. How We Use Your Information

• Identity verification and fraud prevention
• Trust Score calculation and maintenance
• Credit bureau reporting for opted-in members (Equifax, TransUnion, Experian)
• Payment processing and transaction tracking
• Platform communication and notifications
• Platform improvement and analytics

3. Information Sharing

We share your information only with:

• Credit Bureaus: Only for members who opt into the credit building feature.
• Payment Processors: To facilitate transactions between members.
• Verification Partners: For identity verification services.
• Law Enforcement: When required by valid legal process.

4. Data Protection

All personal data is encrypted in transit (TLS 1.3) and at rest (AES-256). Biometric data is processed through certified third-party providers and is not stored on Potly servers. Access to personal data is restricted to authorized personnel on a need-to-know basis.

5. Your Rights

You have the right to:

• Access your personal data
• Request correction of inaccurate data
• Request deletion of your data (subject to legal retention requirements)
• Opt out of credit reporting at any time

6. Contact

For privacy questions: privacy@potlycircle.com

This policy is governed by the laws of the State of Texas, United States.