Cross Finance

LAST UPDATED: SEPTEMBER 10, 2024

Welcome to CrossFi! These Terms of Use govern your use of the blockchain-based software services (“Services”) provided by CrossFi Cain s.r.o. LLC, and our affiliates, including a cryptocurrency wallet specifically designed for the CrossFi token, through our website and related mobile applications (collectively, the “Site“) and the related services offered through the CrossFi Finance Application (the “App“). “We”, “our”, or “us” refers to CrossFi Cain s.r.o LLC and our affiliates.We will refer to the App and related services as the Services.

THESE TERMS CONTAIN AN ARBITRATION CLAUSE AND CLASS ACTION WAIVER THAT IMPACT YOUR RIGHTS ABOUT HOW TO RESOLVE DISPUTES. WE EXPLAIN MORE ABOUT ARBITRATION AND DISPUTE RESOLUTION, AND HOW YOU CAN OPT OUT OF ARBITRATION, BELOW.

PRIVACY POLICY

LAST UPDATED: SEPTEMBER 10, 2024

We at CrossFi (defined below under “Our relationship with you”) are committed to protecting the privacy of our customers and visitors to our websites. This Privacy Policy describes how we handle your personal data when you access our services, which include our content on the websites located at https://Crossfi.org or any other websites, pages, features, or content we own or operate (collectively, the “Site(s)“), or any CrossFi or third-party applications relying on such an API, and related services (referred to collectively hereinafter as “Services“).

CHANGES TO OUR PRIVACY POLICY
1. We may modify this Privacy Policy from time to time. Please check the date at the top of this notice to see when it was last updated.
OUR RELATIONSHIP WITH YOU
1. CrossFi operates internationally through different entities (together “CrossFi”, “we”, “us”, “our”) in order to provide Services to our customers. The following table describes which entity (or entities) you are contracting with:

Where you reside	Your Operating Entity	Contact Address
Middle East and North Africa	DMFX Platform LLC	Burj Khalifa, Al Saaha, w301 PO BOX 9793, DUBAI, UAE
East Asia and Pacific	CrossFi Limited	RM 1406, 14/F Solo Bldg 41-43, Carnarvon Rd, Tsim Sha Tsui, Hong Kong
Europe	CrossFi Cain S.r.o.	Vlkova 532/8, 130 00 Praha – Žižkov, 120 00 Prague 2, Czech Republic
Rest of the world	CrossFi Cain S.r.o.	Vlkova 532/8, 130 00 Praha – Žižkov, 120 00 Prague 2, Czech Republic

The CrossFi entity you contract with decides how your personal information is processed in relation to the Services provided to you (typically referred to as a “data controller”).

CrossFi entities may share your personal information with each other and use it in accordance with this Privacy Policy. For example, even if you reside in the United States your information may be shared with CrossFi which provides support functions for our Services including technical infrastructure and customer support.

PERSONAL INFORMATION WE COLLECT

1. Personal information means any data that relates to a living individual who can be identified from that data, or from that data and other information that is in the possession of, or is likely to come into the possession of, CrossFi (or its representatives or service providers). In addition to factual information, it includes any expression of opinion about an individual and any indication of the intentions of CrossFi or any other person in respect of an individual. The definition of personal information depends on the relevant law applicable to your physical location.
2. INFORMATION YOU PROVIDE TO US
3. This includes information you provide to us in order to establish an account and access our Services. This information is either required by law (e.g. to verify your identity), necessary to provide the requested services (e.g. you will need to provide your bank account number if you would like to link that account to CrossFi), or is relevant for our legitimate interests described in greater detail below.
4. The nature of the Services you are requesting will determine the kind of personal information we might ask for which may include but is not limited to:
  1. Identification Information: Full name, date of birth, nationality, gender, signature, utility bills, photographs, phone number, home address, and/or email;
  2. Formal Identification Information: Government-issued identity document such as Passport, Driver’s License, National Identity Card, State ID Card, Tax ID number, passport number, driver’s licence details, national identity card details, visa information, and/or any other information deemed necessary to comply with our legal obligations under financial or anti-money laundering laws;
  3. Institutional Information: Employer Identification number (or comparable number issued by a government), proof of legal formation (e.g. Articles of Incorporation), personal identification information for all material beneficial owners;
  4. Financial Information: Bank account information, payment card primary account number (PAN), transaction history, trading data, and/or tax identification;
  5. Transaction Information: Information about the transactions you make on our Services, such as the name of the recipient, your name, the amount, and/or timestamp;
  6. Employment Information: Office location, job title, and/or description of the role;
  7. Correspondence: Survey responses, and information provided to our support team or user research team.
5. INFORMATION WE COLLECT AUTOMATICALLY OR GENERATE ABOUT YOU
6. This includes information we collect automatically, such as whenever you interact with the Sites or use the Services. This information helps us address customer support issues, improve the performance of our Sites and applications, provide you with a streamlined and personalised experience, and protect your account from fraud by detecting unauthorised access. Information collected automatically includes:
  1. Online Identifiers: Geo location/tracking details, operating system, browser name and version, and/or personal IP addresses;
  2. Usage Data: Authentication data, security questions, click-stream data, public social networking posts, and other data collected via cookies and similar technologies.
7. INFORMATION COLLECTED FROM THIRD PARTIES
8. This includes information we may obtain about you from third-party sources. The main types of third parties we may receive your personal information from are:
  1. Public Databases, Credit Bureaus, ID Verification Partners, and Affiliate Partners in order to verify your identity in accordance with applicable law. ID verification partners such as Experian use a combination of government records and publicly available information about you to verify your identity. Such information may include your name, address, job role, public employment profile, credit history, status on any sanction lists maintained by public authorities, and other relevant data;
  2. Blockchain Data to ensure parties using our Services are not engaged in illegal or prohibited activity and to analyse transaction trends for research and development purposes;
  3. Marketing Partners & Resellers so that we can better understand which of our Services may be of interest to you.
  4. Check our Cookie Policy for more information.
9. ANONYMIZED AND AGGREGATED DATA
10. In addition to the categories of personal information described above, CrossFi will also process anonymized information and data that is not processed by reference to a specific individual. Types of data we may anonymize include transaction data, click-stream data, performance metrics, and fraud indicators.
11. JOB APPLICANTS
12. If you apply for a job posting, we collect the information necessary to process your application or to retain you as an employee. This may include, among other things, your name, contact information (email address and phone number), CV/Resume, and national identifier (e.g., Social Security Number). Providing this information is required for employment. We have a legitimate interest in using your information to evaluate candidates for job openings. We also use information about job applicants in anticipation of a contract of employment. In some contexts, we are also required by law to collect information about applicants.

HOW WE USE YOUR PERSONAL INFORMATION
1. MAINTENANCE OF LEGAL AND REGULATORY COMPLIANCE

CrossFi needs to process your personal information in order to comply with anti-money laundering and security laws. In addition, when you seek to link a bank account to your CrossFi account, we may require you to provide additional information which we may use in collaboration with service providers acting on our behalf to verify your identity or address, and/or to manage risk as required under applicable law. We also process your personal information in order to help detect, prevent, and mitigate fraud and abuse of our Services and to protect you against account compromise or funds loss. If you do not provide the personal information required by law, we will have to close your account.

1. PROVISION OF CROSSFI’S SERVICES

We process your personal information to provide Services to you. For example, when you want to store funds on our platform, we require certain information such as your identification, contact and payment information. Third parties that we use such as identity verification services may also access and/or collect your personal information when providing identity verification and/or fraud prevention services. In addition, we may need to collect fees based on your use of our Services. We collect information about your account usage and closely monitor your interactions with our Services. The consequence of not processing your personal information for such purposes is the termination of your account.

1. PROVISION OF COMMUNICATION AND CUSTOMER SERVICES

According to your preferences and in compliance with applicable law, we may send you marketing communications to inform you about events, to deliver targeted marketing, and to share promotional offers. If you are a new customer, we will contact you by electronic means for marketing purposes only if you have consented to such communication. If you do not want us to send you marketing communications, please go to your account settings to opt out or submit a request via https://Crossfi.org.

We may send you service updates regarding administrative or account-related information, security issues, or other transaction-related information. These communications are important to share developments relating to your account that may affect how you can use our Services. You cannot opt-out of receiving critical service communications.

We also process your personal information when you contact us to resolve any questions or disputes, to collect fees or troubleshoot problems. Without processing your personal information for such purposes, we cannot respond to your requests and ensure your uninterrupted use of the Services.

1. LEGITIMATE BUSINESS INTEREST

Sometimes the processing of your personal information is necessary for our legitimate business interests, such as:

1. 1. recruitment and hiring;
  2. quality control and staff training;
  3. to enhance security, monitor and verify identity or service access, and combat spam or other malware or security risks;
  4. research and development purposes;
  5. to enhance your experience of our Services and Sites; or
  6. to facilitate corporate acquisitions, mergers, or transactions.
LEGAL BASES FOR PROCESSING YOUR INFORMATION
1. For individuals located in the European Economic Area, United Kingdom or Switzerland at the time their personal data is collected, we rely on legal bases for processing your information under the relevant data protection legislation. These bases mean we will only process your data where we are legally required to, where processing is necessary to perform any contracts, we entered with you (or to take steps at your request prior to entering into a contract with you), for our legitimate interests to operate our business, to protect CrossFi’sor your property rights, or where we have obtained your consent to do so. We will not use your personal information for purposes other than those purposes we have disclosed to you, without your permission.
DISCLOSING YOUR PERSONAL INFORMATION TO THIRD PARTIES
1. We allow your personal information to be accessed only by those who require access to perform their work and share it only with third parties who have a legitimate purpose for accessing it. CrossFi will never sell or rent your personal information to third parties without your explicit consent. We will only share your personal information with the following types of third parties:
  1. Identity verification services to prevent fraud. This allows CrossFi to confirm your identity by comparing the information you provide us to public records and other third-party databases;
  2. Financial institutions that we partner with to process payments you have authorised;
  3. Service providers and professional advisors under contract who help with parts of our business operations. Our contracts require these service providers to only use your information in connection with the services they perform for us and prohibit them from sharing your information with anyone else;
  4. Companies or other third parties in connection with business transfers or bankruptcy proceedings;
  5. Companies or other entities that purchase CrossFi assets;
  6. Law enforcement, regulators, or any other third parties when we are compelled to do so by applicable law or if we have a good faith belief that such use is reasonably necessary, including to: protect the rights, property, or safety of CrossFi, CrossFi customers, third party, or the public; comply with legal obligations or requests; enforce our terms and other agreements; or detect or otherwise address security, fraud, or technical issues.
2. THIRD-PARTY SITES AND SERVICES
3. If you authorise one or more third-party applications to access your CrossFi Project Services, the information you have provided to CrossFi may be shared with those third parties. A connection you authorise or enable between your CrossFi account and a non-CrossFi account, payment instrument, or platform is considered an “account connection.” Unless you provide further permissions, CrossFi will not authorise these third parties to use this information for any purpose other than to facilitate your transactions using CrossFi Services. Please note that third parties you interact with, should have their own privacy policies and CrossFi is not responsible for their operations or their use of the data they collect. Examples of account connections include:
  1. Merchants: If you use your CrossFi account to conduct a transaction with a third-party merchant, the merchant may provide data about you and your transaction to us;
  2. Your financial services providers: For example, if you send us funds from your bank account, your bank will provide us with identifying information in addition to information about your account in order to complete the transaction.
HOW WE PROTECT AND STORE PERSONAL INFORMATION
1. CrossFi implements and maintains reasonable measures to protect your information. Customer files are protected with safeguards according to the sensitivity of the relevant information. Reasonable controls (such as restricted access) are placed on our computer systems. Physical access to areas where personal information is gathered, processed or stored is limited to authorised employees.
2. We may store and process all or part of your personal and transactional information, including certain payment information, such as your encrypted bank account and/or routing numbers, in the US and elsewhere in the world where our facilities or service providers are located. We protect your personal information by maintaining physical, electronic, and procedural safeguards in compliance with the applicable laws and regulations.
3. As a condition of employment, CrossFi’s employees are required to follow all applicable laws and regulations, including in relation to data protection law. Access to sensitive personal information is limited to those employees who need it to perform their roles. Unauthorised use or disclosure of confidential customer information by a CrossFi employee is prohibited and may result in disciplinary measures.
4. When you contact a CrossFi employee about your file, you may be asked for some personal details. This type of safeguard is designed to ensure that only you, or someone authorised by you, has access to your file. You also play a vital role in protecting your own personal information. When registering with our Services, choose a password of sufficient length and complexity, don’t reveal it to any third-parties and immediately notify us if you become aware of any unauthorised access to or use of your account.
RETENTION OF PERSONAL INFORMATION
1. How long we hold your personal information for will vary. The retention period will be determined by the following criteria:
  1. The purpose for which we are using your personal information – we will need to keep the information for as long as is necessary for that purpose; and
  2. Legal obligations – laws or regulations may set a minimum period for which we have to keep your personal information;
  3. If you have further questions about our data retention practices, please contact us;
  4. If we anonymize your personal information so that it can no longer be associated with you, it will no longer be considered personal information, and we can use it without further notice to you.
CHILDREN’S PERSONAL INFORMATION
1. We do not knowingly request to collect personal information from any person under the age of 18. If a user submitting personal information is suspected of being younger than 18 years of age, CrossFi will require the user to close his or her account and will not allow the user to continue using our Services. We will also take steps to delete the information as soon as possible. Please notify us if you know of any individuals under the age of 18 using our Services so we can take action to prevent access to our Services.
CROSS BORDER TRANSFERS
1. CrossFi is an international business with operations in countries including the UK, the EU and the US. This means we may transfer personal information to locations outside of your country. When we transfer your personal information to another country, we will ensure that any transfer is compliant with applicable data protection laws.
DATA TRANSFERRED OUT OF THE EU OR UK
1. When we transfer your personal information outside of the United Kingdom (UK) or the European Economic Area (EEA), we will ensure that it is protected in a manner that is consistent with how your personal information will be protected by us in the UK and EEA respectively. This can be done in a number of ways, for instance:
  1. the country that we send the data to might be approved by the UK Government or European Commission (as applicable); or
  2. the recipient might have signed up to a contract based on “model contractual clauses” approved by the UK Government or European Commission (as applicable), obliging them to protect your personal information.
2. In other circumstances the law may permit us to transfer your personal information outside the UK or EEA. In all cases, however, we will ensure that any transfer of your personal information is compliant with data protection law. You can obtain more details of the protection given to your personal information when it is transferred outside the UK and EEA (including a copy of the standard data protection clauses that we have entered into with recipients of your personal information) by contacting us as described below.
YOUR PRIVACY RIGHTS
1. Depending on the applicable law of where you reside, you may be able to assert certain rights related to your personal information. These rights include:
  1. The right to obtain information regarding the processing of your personal information and access to the personal information that we hold about you;
  2. The right to withdraw your consent to the processing of your personal information at any time. Please note, however, that we may still be entitled to process your personal information if we have another legitimate reason for doing so. For example, we may need to retain personal information to comply with a legal obligation;
  3. In some circumstances, the right to receive some personal information in a structured, commonly used and machine-readable format and/or request that we transmit that data to a third party where this is technically feasible. Please note that this right only applies to personal information that you have provided directly to CrossFi Project;
  4. The right to request that we rectify your personal information if it is inaccurate or incomplete;
  5. The right to request that we erase your personal information in certain circumstances. Please note that there may be circumstances where you ask us to erase your personal information, but we are legally entitled to retain it;
  6. The right to object to, or request that we restrict, our processing of your personal information in certain circumstances. Again, there may be circumstances where you object to, or ask us to restrict, our processing of your personal information but we are legally entitled to refuse that request; and
  7. The right to lodge a complaint with the relevant data protection regulator if you think that any of your rights have been infringed by us.
2. You can exercise your rights by contacting us using the details listed below. Further information about your rights may be obtained by contacting the supervisory data protection authority located in your jurisdiction.
US CONSUMER PRIVACY NOTICE

This Consumer Privacy Notice applies to you if you are an individual who resides in the United States and uses CrossFi’s services for your own personal, family or household purposes.

Facts	What does CrossFi do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depends on how you use our services. This information can include, but is not limited to: – Social Security number, passport number, or driver’s licence number – Bank account information, trading data, or transaction history – Identification information such as your name, date of birth, nationality, or signature When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons CrossFi chooses to share; and whether you can limit this sharing.

Reasons we share your personal information	Does CrossFi share?	Can you limit sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	Yes
For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	Yes
For our affiliates’ everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For our non-affiliates to market to you	Yes	Yes

What we do
How does CrossFi protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does CrossFi collect my personal information?	We collect your personal information, for example, when you: – Create an account with CrossFi – Place or complete an order with CrossFi – Use your debit or credit card or any other permissible payment method to purchase or sell digital currency We also collect your personal information from others, such as from affiliates or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only: – Sharing for affiliates’ everyday business purposes — information about your creditworthiness – Affiliates from using your information to market to you – Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.
Non Affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing	A formal agreement between non affiliated financial companies that together market financial products or services to you.

CALIFORNIA PRIVACY RIGHTS
1. Pursuant to the California Consumer Privacy Act of 2018 (“CCPA”), California residents have certain rights in relation to their personal information, subject to limited exceptions. Any terms defined in the CCPA have the same meaning when used in this California Privacy Rights section.
2. Depending on which services you use, you may have different rights and choices for managing your personal data. For example, the CCPA does not apply to personal data collected, processed, or disclosed by a financial institution according to federal laws, such as the Gramm-Leach-Bliley Act. Please see the Consumer Privacy Notice below for additional information.
COLLECTION AND DISCLOSURE OF PERSONAL INFORMATION
1. We collect and disclose the following categories of personal information from or about our consumers.
  1. Identifiers, such as phone number, name, date of birth, IP address, driver’s license number, passport number, or other similar identifiers. This information is collected directly from the consumer or device;
  2. Geolocation data, including GPS location information and approximate location derived from your IP address. This information is collected directly from the consumer or device;
  3. Internet or other electronic network activity information, including your browser type and version, time zone settings, operating system or platform, or website visit information. This information is collected directly from a device;
  4. Biometric information, such as a live photo. This information is collected directly from the consumer or device;
  5. Commercial information, including payment card information and transaction verification information. This information is collected directly from the consumer or device;
  6. Audio, electronic, visual, thermal, olfactory, or similar information. This information is collected directly from the consumer.
  7. Other information that is described in subdivision (e) of Section 1798.80, such as nationality and gender (this information is being collected in the consumer context rather than the employer context). This information is collected directly from the user.
2. We use this information for the purposes described in the “HOW WE USE YOUR PERSONAL INFORMATION” section of this Privacy Policy.
3. We may disclose each category of personal information listed to each entity listed in the “DISCLOSING YOUR INFORMATION TO THIRD PARTIES” section above. CrossFi does not sell your personal information in its ordinary course of business and will never sell your personal information to third parties without your explicit consent.
RIGHTS UNDER THE CCPA
1. If you are a California resident and the CCPA does not recognize an exemption that applies to you or your personal information, you have the right to:
  1. Request we disclose to you free of charge the following information covering the 12 months preceding your request:
    1. The categories of personal information about you that we collected;
    2. The categories of sources from which the personal information was collected;
    3. The purpose for collecting personal information about you;
    4. The categories of third parties to whom we disclosed personal information about you and the categories of personal information that was disclosed (if applicable) and the purpose for disclosing the personal information about you; and
    5. The specific pieces of personal information we collected about you;
    6. Request we delete personal information we collected from you, unless CCPA recognizes an exemption; and
    7. Be free from unlawful discrimination for exercising your rights including providing a different level or quality of services or deny goods or services to you when you exercise your rights under the CCPA.
2. We aim to fulfil all verified requests within 45 days pursuant to the CCPA. If necessary, extensions for an additional 45 days will be accompanied by an explanation for the delay.
HOW TO EXERCISE YOUR RIGHTS
1. You can exercise your rights by contacting us at [email protected] so that we may consider your request.