Privacy Policy

Last updated: April 22, 2026

At Clend, we are committed to protecting your privacy and securing your personal and financial information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our platform.

1. Information We Collect

We collect only the information necessary to provide our services and comply with applicable financial regulations. This includes:

Identity Information: Government-issued ID, full name, date of birth, and physical address collected during our Know Your Customer (KYC) onboarding process.
Financial Information: Wallet addresses, transaction history on our platform, and linked bank account details for fiat disbursements.
Technical Data: IP addresses, browser types, device information, and usage data necessary for platform security and performance.
Communication Data: Information you provide when contacting us, including emails and support requests.

2. How We Use Your Information

Your data is used for the following purposes:

To verify your identity and maintain compliance with Anti-Money Laundering (AML) and KYC regulations
To manage your collateral and process loan disbursements
To send account notifications, including security updates and service announcements
To prevent fraud, unauthorized access, and ensure the integrity of our platform
To improve our Services and user experience
To comply with legal obligations

3. Legal Basis for Processing

Where applicable under data protection laws such as the General Data Protection Regulation (GDPR), we process your personal data based on the following legal grounds:

Performance of a contract with you
Compliance with legal obligations
Your consent, where applicable
Our legitimate interests in operating and securing our platform

4. Data Sharing

Clend does not sell your personal data. We may share your information only with:

Service Providers: Third parties that support our operations, including KYC/AML verification providers and custody partners (such as Fireblocks), under confidentiality agreements
Regulatory Authorities: When required by applicable law, legal process, or governmental request
Business Transfers: In connection with a merger, acquisition, or sale of assets, subject to appropriate safeguards

All third-party service providers are contractually required to protect your information and use it only for the purposes specified.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal data. All personal and financial data is encrypted at rest and in transit using industry-standard protocols. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal data for as long as necessary to provide our Services and comply with our legal obligations. Certain information may be retained for longer periods where required by financial regulations, tax laws, or other applicable legal requirements.

7. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

Right to Access: Request a copy of the personal data we hold about you
Right to Correction: Request correction of inaccurate or incomplete data
Right to Deletion: Request deletion of your personal data, subject to legal retention requirements
Right to Restriction: Request restriction of processing under certain circumstances
Right to Data Portability: Request transfer of your data to another service provider
Right to Object: Object to certain processing activities
Right to Withdraw Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the contact information in Section 11. We will respond to your request in accordance with applicable laws.

8. International Data Transfers

Your personal data may be transferred to and processed in countries other than your country of residence. Where such transfers occur, we take appropriate measures to ensure your data is protected in accordance with applicable data protection laws.

9. Children's Privacy

Our Services are not intended for individuals under the age of legal majority in their jurisdiction. We do not knowingly collect personal data from minors. If we become aware that we have collected personal data from a minor, we will take steps to delete such information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will notify you by posting the updated policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

11. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us at:
Email: [運営の問い合わせ先メールを挿入]