Privacy Policy

What we collect

Account information

When you create a Cadraap account, we may collect information such as your name, email address, phone number, country of residence, and other information needed to create and maintain your account.

Identity and compliance information

Depending on your location, product access, transaction activity, and regulatory requirements, Cadraap or its compliance partners may collect information required for identity verification and customer due diligence.

This may include government-issued identification, date of birth, residential information, and other information required to verify your identity or comply with applicable laws.

Wallet and transaction information

When you fund or use Cadraap, we may process information relating to your wallet, crypto deposits and withdrawals, supported crypto assets, blockchain addresses, transaction amounts, currencies, conversion details, card transactions, transaction fees, and transaction status.

Cadraap allows eligible users to deposit supported crypto assets. Where a deposited asset is not USDC, the applicable infrastructure converts the deposit into USDC, which is maintained as the user’s Cadraap balance on the Solana blockchain.

Where blockchain transactions are involved, relevant transaction information may also be publicly visible on the applicable blockchain network.

Payment and subscription information

When you use Cadraap to pay merchants or manage subscriptions, we may collect information about the merchants, purchases, and subscriptions you pay for or add, including merchant name, payment amount, billing frequency, transaction history, and subscription status.

We use this information to process your payments and provide the payment and subscription tracking and management features you request.

Technical and usage information

We may automatically collect technical information when you use Cadraap, including IP address, browser and device information, operating system, pages or features accessed, timestamps, diagnostic information, and information relating to errors or security events.

We use this information to operate, secure, troubleshoot, and improve the platform.

Why we collect it

We use information we collect to:

• Create and manage your Cadraap account.
• Perform identity verification and customer due diligence.
• Provide wallet and card functionality.
• Process crypto deposits and withdrawals.
• Convert supported crypto deposits into USDC where required.
• Authorize and process card transactions.
• Track and manage your payments and subscriptions at your request.
• Calculate and display applicable transaction, card, FX, conversion, and platform fees.
• Detect and prevent fraud, abuse, unauthorized transactions, and other security threats.
• Comply with applicable legal, regulatory, tax, and reporting requirements.
• Provide customer support.
• Maintain transaction and compliance records.
• Improve Cadraap and develop new features.

We do not use your information to build advertising profiles or sell your personal information to data brokers.

Who we share it with

Cadraap works with third-party infrastructure and regulated service providers to provide the platform.

Depending on the service you use and your location, these may include:

• Identity verification and compliance providers.
• Card issuing and program partners.
• Payment and settlement providers.
• Wallet and blockchain infrastructure providers.
• Banking, FX, and financial infrastructure providers.
• Cloud hosting, database, analytics, security, and communications providers.

We share only the information reasonably necessary for the relevant provider to perform its service, comply with applicable law, or protect the Cadraap platform.

Some of these providers may process information independently under their own privacy policies where required by law.

Card and payment information

Cadraap may not directly store your complete payment credentials where our card issuing or payment infrastructure partners handle those credentials.

Depending on the payment flow, relevant transaction information may be processed by the applicable card issuer, payment processor, settlement provider, or other financial infrastructure partner.

You should review the privacy policies of those providers where applicable.

Blockchain transactions

Cadraap supports deposits of certain crypto assets for eligible users. Deposited assets may be converted into USDC and maintained as the user’s Cadraap balance on the Solana blockchain.

Blockchain transactions are generally permanent and may be publicly visible. Cadraap cannot remove or modify information that has already been recorded on a public blockchain.

Blockchain networks and crypto assets may also experience congestion, delays, network fees, volatility, or other technical conditions that can affect transactions.

Cadraap does not guarantee that every crypto asset, blockchain network, or transaction will always be supported.

How we protect your information

We use reasonable technical and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

These measures may include encryption in transit and at rest, access controls, authentication safeguards, monitoring, and security reviews.

No internet-connected system is completely secure, and we cannot guarantee absolute security.

Data retention

We retain information for as long as reasonably necessary to provide Cadraap, maintain business and transaction records, prevent fraud, resolve disputes, and satisfy applicable legal and regulatory obligations.

Certain identity, transaction, financial, and compliance records may need to be retained for a specific period even after you close your account.

Your rights

Depending on where you live, you may have rights to request access to, correction of, or deletion of your personal information, as well as other rights provided by applicable data protection law.

Some requests may be limited where we are legally required to retain particular information.

We may ask you to verify your identity before processing a request.

To exercise applicable privacy rights, contact privacy@cadraap.com.

International transfers

Cadraap and its service providers may process information in countries other than the country where you live.

Where required, we use appropriate safeguards for international data transfers in accordance with applicable data protection law.

Children

Cadraap is intended for users who are at least 18 years old. We do not knowingly provide the service to children or knowingly collect personal information from anyone under 18.

If you believe a person under 18 has provided personal information to Cadraap, contact us at privacy@cadraap.com.

Third-party services

Cadraap may integrate with or link to services operated by third parties. Those services may have their own privacy policies and terms.

This Privacy Policy does not govern information practices of third parties that Cadraap does not control.

Changes to this policy

We may update this Privacy Policy as Cadraap and its services evolve.

If we make a material change to how we process personal information, we will update the date at the top of this page and provide additional notice where required by applicable law.

Contact

Questions, privacy requests, or complaints about this Privacy Policy can be sent to:

privacy@cadraap.com