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Privacy Policy

1. Introduction

UTMint Universal Access Hub ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our digital credit platform.

2. Information We Collect

2.1 Personal Information

We collect the following personal information:

• Email Address: Required for account creation and communication
• Payment Information: Processed securely through Stripe (we don't store card details)
• Account Credentials: Username and encrypted password

2.2 Usage Information

We automatically collect:

• Credit purchase and usage history
• Login and access timestamps
• IP addresses for security purposes
• Browser and device information

2.3 Information We Don't Collect

We do not collect:

• Social security numbers or government IDs
• Physical addresses (unless required for legal compliance)
• Phone numbers
• Sensitive personal data beyond what's necessary for service provision

3. How We Use Your Information

3.1 Service Provision

• Create and manage your account
• Process payments and credit purchases
• Track credit usage across partner platforms
• Provide customer support

3.2 Communication

• Send account creation and login credentials
• Notify you of account changes
• Respond to customer service inquiries
• Send important service updates

3.3 Security and Compliance

• Prevent fraud and unauthorized access
• Comply with legal obligations
• Monitor for suspicious activity

4. Information Sharing

4.1 Partner Platforms

When you use credits on partner platforms, we only share:

• Username for authentication
• Credit balance verification
• Usage authorization

4.2 Service Providers

We share information with trusted service providers:

• Stripe: For payment processing
• Email Services: For transactional emails
• Cloud Infrastructure: For secure data storage

4.3 Legal Requirements

We may disclose information when required by law or to:

• Comply with legal processes
• Protect our rights and property
• Ensure user and public safety

5. Data Security

5.1 Security Measures

We implement industry-standard security measures:

• Encryption: All data transmitted using SSL/TLS encryption
• Password Security: Passwords are hashed using bcrypt
• Access Controls: Limited access to personal data
• Regular Monitoring: Continuous security monitoring and updates

5.2 Payment Security

Payment information is processed by Stripe, a PCI DSS compliant payment processor. We never store credit card information on our servers.

6. Data Retention

We retain your information for as long as necessary to:

• Provide our services
• Comply with legal obligations
• Resolve disputes
• Enforce our agreements

Account data is typically retained for 7 years after account closure for legal and audit purposes.

7. Your Rights

7.1 Access and Updates

You have the right to:

• Access your personal information
• Update your email address and password
• Request account information

7.2 Data Portability

You can request a copy of your data in a structured, machine-readable format.

7.3 Account Deletion

You may request account deletion, subject to:

• Legal retention requirements
• Outstanding credit balances
• Fraud prevention measures

8. Cookies and Tracking

8.1 Essential Cookies

We use essential cookies for:

• User authentication
• Security functions
• Basic site functionality

8.2 Analytics

We may use analytics tools to understand how our service is used, but we do not track users across other websites.

9. Third-Party Links

Our service may contain links to partner platforms. This Privacy Policy does not apply to third-party websites. We encourage you to read the privacy policies of any linked sites.

10. Children's Privacy

Our service is not intended for children under 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it.

11. International Users

If you are accessing our service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located.

12. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information (we don't sell data)
• Right to non-discrimination for exercising privacy rights

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last Updated" date
• Sending email notification for material changes

14. Contact Us