# Creditlink Privacy Policy

**Effective Date:** \[Jun 3,2025]

Creditlink is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, and protect data in relation to your use of our platform and services.

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#### **1. Data We Collect**

We collect the following types of data:

#### **1.1 On-Chain Data**

We analyze public blockchain data such as:

* Wallet addresses and balances
* Transaction history
* Protocol and smart contract interactions
* DAO governance activity

*Note: All on-chain data is public by design and does not constitute “personal data” under most data protection laws.*

#### **1.2 Off-Chain & Optional Data**

When applicable and with your consent, we may collect:

* Email addresses (for API access or support)
* KYC verification (if opting for regulatory-grade Credit NFTs)
* ENS or DID identifiers
* GitHub, Discord, or social handles (for Social Credit scoring)

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#### **2. Use of Data**

We use the collected data to:

* Generate and update credit scores
* Issue Credit NFTs
* Power APIs for partner protocols
* Improve our scoring models via AI learning loops
* Prevent Sybil and fraudulent behavior

We do **not** sell your data or monetize user behavior directly.

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#### **3. AI & Federated Learning**

Creditlink uses federated machine learning models to allow protocols to contribute anonymized training data. All learning processes are privacy-preserving and comply with data minimization principles.

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#### **4. Cookies & Web Analytics**

Our website may use:

* Analytics tools (e.g., Plausible or Google Analytics) for usage insights
* Session cookies to maintain login state (no tracking cookies unless consented)

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#### **5. Data Sharing**

We may share anonymized scoring results with integrated DApps, partners, or credit marketplaces, but never link your wallet address to real-world identity without your explicit consent or legal requirement.

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#### **6. Security**

We implement standard Web3 and Web2 security practices including:

* Encrypted communications (HTTPS)
* Smart contract audits
* Role-based access to off-chain systems

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#### **7. Your Rights**

Depending on your jurisdiction, you may have the right to:

* Request deletion of your off-chain data
* View and export your credit report
* Revoke consent to optional data sharing

To exercise your rights, contact us at:

**<contact@creditlink.info>**

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#### **8. Updates to This Policy**

We may revise this Privacy Policy periodically. Updates will be posted on our website with a revision date.