Privacy Policy

1. Information We Collect

We collect information you provide directly to us when you submit a borrower or lender application, communicate with us, or use our platform.

This includes:

• Personal identification information including your full name, email address, and phone number
• Asset details including brand, model, reference number, condition, estimated value, and photographs of your asset
• Financial information including your requested loan amount and lending budget
• Supporting documents you voluntarily provide such as proof of ownership or appraisal certificates
• Device and browser information including IP address, browser type, operating system, and pages visited, collected automatically when you use our website

2. How We Use Your Information

We use the information we collect to:

• Process and evaluate your borrower or lender application
• Facilitate loan transactions between borrowers and lenders on our marketplace
• Communicate with you about your application, loan status, and platform updates
• Authenticate and appraise assets submitted as collateral
• Comply with applicable legal obligations
• Improve the performance and security of our platform
• Detect and prevent fraud and unauthorized activity

3. How We Share Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

• With the counterparty to your loan transaction (borrower or lender) to the extent necessary to facilitate the loan
• With our third-party escrow service provider to facilitate the secure transfer of loan funds
• With service providers who assist us in operating the platform, subject to confidentiality obligations
• When required by law, regulation, or valid legal process
• To protect the rights, property, or safety of IUDEX, our users, or others

4. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes described in this policy. For loan-related records, we retain information for a minimum of seven years to comply with financial recordkeeping requirements. You may request deletion of your account and associated data at any time, subject to our legal retention obligations.

5. Cookies and Tracking

We use cookies and similar tracking technologies to operate and improve our website. These include essential cookies required for the site to function, and analytics cookies that help us understand how visitors use our platform. You can control cookie settings through your browser preferences. Disabling certain cookies may affect the functionality of our platform.

6. Data Security

We implement reasonable technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security of your information.

7. Your Rights

Depending on your location, you may have certain rights regarding your personal information, including the right to access, correct, or delete the information we hold about you. To exercise any of these rights, please contact us using the information below.

8. Children's Privacy

Our platform is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website with a revised effective date. Your continued use of the platform after any changes constitutes your acceptance of the updated policy.