Privacy Policy

Divine Research Inc. (hereinafter, "Divine Research," "we," "us," "our" or "the Company") is a platform that allows users to perform certain transactions, including the purchase, storage, and sale of cryptocurrencies, among other digital services. This Privacy Policy (hereinafter, the "Policy") applies to access to and use of the website located at credit.cash, any related websites or subdomains that display a link to this Privacy Policy (collectively, the "Website"), Divine Research's corresponding mobile application (hereinafter, the "Application"), the Credit protocol (to the extent within Divine Research's control), and the information available on the Website and contained in the Application, all to the extent made available by Divine Research, its affiliates, or agents (collectively, the "Services").

This Policy describes how the Company collects, processes, and shares your personal data, and details the rights you may be able to exercise regarding the processing of your personal data.

For clarity, this Privacy Policy does not apply to any decentralized aspect of the blockchain that we do not control due to the decentralized nature of such services.

At the time we collect personal information, we may provide additional or supplemental privacy policies to individuals for specific products or services that we offer. In addition, if you are located in a specific jurisdiction for which we have provided a jurisdictional-specific supplement to this Privacy Policy (i.e., an Appendix), please see the relevant jurisdictional-specific supplement to understand in greater detail how we may process your personal data.

Some of the automatic collection described above is facilitated by the following technologies:

• Information from local storage, cookies, and other tracking technologies: We and our third-party service providers (such as Sentry) may access and collect information from local storage, mobile device ID, cookies, web beacons, pixel tags, clear GIFs, and other similar technologies to provide and customize the application. For example, we may use this information to remember whether a user has completed a survey. We may also use this information to learn about user preferences (e.g., language), app usage, and interactions. The information we collect from these technologies may include data such as World app version, device type, referring/exit pages, operating system, World app or device language, and other information. We analyze these user trajectories collectively to improve the overall experience.

For information concerning your choices with respect to the use of tracking technologies, see the Your choices section below.

Personal data collected is processed for the following purposes:

1. Provision of the service: We use personal data to operate and maintain our application and its functionalities as well as otherwise operate our business (including conducting KYC/AML checks, enabling security features of our Services, and providing support for our Services).
2. Customer Service: We may process data to provide support and respond to queries and technical issues regarding the Services.
3. Services personalization: We use personal data to personalize the Services. This includes understanding your needs and interests, personalizing your experience with the Services and our Services-related communications, and remembering your selections and preferences as you navigate webpages.
4. Services improvement and analytics: We may use your personal data to analyze your usage of the Services, improve the Services, improve the rest of our business, help us understand user activity on the Services, including which pages are most and least visited and how visitors move around the Services, as well as user interactions with our emails, and to develop new products and services. For example, we may use Google Analytics for this purpose. You can learn more about Google Analytics and how to prevent the use of Google Analytics relating to your use of our sites here: https://tools.google.com/dlpage/gaoptout?hl=en.
5. Security and protection: We may use personal data in an effort to prevent, deter, investigate, and stop fraudulent, unauthorized, or illegal activities, including cyber attacks and identity theft. We use personal data to enforce the terms and conditions that govern the Service (including, without limitation, to identify and otherwise determine if you are a prohibited person who may not use the Service or otherwise determine your identity). We may also use it in an effort to address security risks, fix bugs, enforce our agreements, and otherwise protect our users, our rights, the rights of others, our privacy, safety and property (including by making and defending legal claims).
6. Marketing: We may send you direct marketing communications and may personalize these messages based on your needs and interests. You may be able to opt-out of our marketing communications as described below.
7. Legal Compliance: We may use personal data to comply with applicable laws or regulations or requirements from government agencies, regulators, judicial authorities or private parties.
8. Corporate events: We may share personal data in the context of actual or prospective corporate events or transformations.
9. To create aggregated, de-identified and/or anonymized data: We may create aggregated, de-identified and/or anonymized data from your personal data and other individuals whose personal data we collect. We make personal data into de-identified and/or anonymized data by removing information that makes the data identifiable to you. We may use this aggregated, de-identified and/or anonymized data and share it with third parties for our lawful business purposes, including to analyze and improve the Service and promote our business.
10. Cookies and similar technologies: We may use the Cookies and similar technologies described above for the following purposes:
    1. Technical operation: To allow the technical operation of the Service, such as by remembering your selections and preferences as you navigate the site, and whether you are logged in when you visit password protected areas of the Service.
    2. Functionality: To enhance the performance and functionality of our services.
    3. Analytics: To help us understand user activity on the Service, including which pages are most and least visited and how visitors move around the Service, as well as user interactions with our emails.
11. Further uses: In some cases, we may use your personal data for further uses, in which case we will ask for your consent to make use of your personal data for those further purposes if they are not compatible with the initial purpose for which information was collected.
12. Retention: We generally retain personal data to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements, to establish or defend legal claims, or for fraud prevention purposes. To determine the appropriate retention period for personal data, we may consider factors such as the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements. When we no longer require the personal data we have collected about you, we may either delete it, anonymize it, or isolate it from further processing.

Divine Research may share your personal data with certain third parties. These third parties include but are not limited to those listed below:

1. Affiliates: Our corporate affiliates.
2. Service providers: Third parties that provide services on our behalf or help us operate the Service or our business (such as hosting, information technology, payment processors, text message providers, customer support, email delivery, marketing, consumer research and website analytics).
3. Payment processors: Any payment information you use to make a purchase on the Service is collected and processed directly by our payment processors.
4. Third parties designated by you: We may share your personal data with third parties where you have instructed us or provided your consent to do so. For example, entities conducting know-your-customer, identity verification or other anti-money laundering checks. We do not necessarily control how these third parties may use your personal data.
5. Partners: Third parties with whom we partner, including parties with whom we co-sponsor events or promotions, with whom we jointly offer products or services, or whose products or services may be of interest to you.
6. Third-party linked services: If you log into the Service with, or otherwise link your Service account to, an external cryptocurrency platform, wallet, or other third-party service, we may share your personal data with that third-party service. The third party's use of the shared information may be governed by its privacy policy and the settings associated with your account with the third-party service. We do not control how the third-party linked service may use your personal data.
7. Professional advisors: Professional advisors, such as lawyers, auditors, bankers and insurers, where necessary in the course of the professional services that they render to us.
8. Authorities and others: Law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate for the Legal Compliance purposes described above.
9. Business transferees: We may disclose personal data in the context of actual or prospective business transactions (e.g., investments in or financings of Divine Research, public stock offerings, or the sale, transfer or merger of all or part of our business, assets or shares). For example, we may need to share certain personal data with prospective counterparties and their advisers. We may also disclose your personal data to an acquirer, successor, or assignee of Divine Research as part of any merger, acquisition, sale of assets, or similar transaction, and/or in the event of an insolvency, bankruptcy, or receivership in which personal data is transferred to one or more third parties as one of our business assets.
10. Other users and the public: Due to the nature of blockchain technologies, any data posted to or otherwise interacting with public blockchains will be visible to other users of the Service and the public. Information about your interactions and/or transactions will be provided to the applicable blockchain network and may be accessible to third parties due to the blockchain protocol's nature. This information can be seen, collected and used by others, including being cached, copied, screen captured or stored elsewhere by others (e.g., search engines), and we are not responsible for any such use of this information. It may be possible for someone to identify you through your pseudonymous, public wallet address using external information sources, and any transaction you enter or otherwise interact with the blockchain could possibly be used to identify you or information about you.

Divine Research is headquartered in the United States of America. In some cases, Divine Research may transfer your personal data to third parties located outside the country in which you reside, including jurisdictions that may not offer a level of data protection equivalent to that provided by Applicable Law.

We employ technical, organizational and physical safeguards designed to protect the personal data we collect. However, security risk is inherent in all internet and information technologies and we cannot guarantee the security of your personal data.

In this section, we describe the rights and choices available to all users. Users who are located in certain jurisdictions can find additional information about their rights below.

1. Access or update your information: If you have registered for an account with us through the Service, you may review and update certain account information by logging into the account.
2. Declining to provide information: We need to collect personal data to provide certain services. If you do not provide the information we identify as required or mandatory, we may not be able to provide those services.
3. Third-party linked services: If you choose to connect to or otherwise link with the Service through your account on a third-party platform, you may be able to use your settings in your account with that platform to limit the information we receive from it. If you revoke our ability to access information from a third-party platform, that choice will not apply to information that we have already received from that third party.
4. Additional Rights: You may have certain rights under applicable privacy laws. For more information, please contact us by email at: legal@divine.inc.

The Website and Application may contain links to websites, mobile applications, and other online services operated by third parties. In addition, our content may be integrated into web pages or other online services that are not associated with us. These links and integrations are not an endorsement of, or representation that we are affiliated with, any third party. We do not control websites, mobile applications or online services operated by third parties, and we are not responsible for their actions. We encourage you to read the privacy policies of the other websites, mobile applications and online services you use.

The Website and Application are not intended for use by anyone under 18 years of age. If you are a parent or guardian of a child from whom you believe we have collected personal data in a manner prohibited by law, please contact us. If we learn that we have collected personal data through the Website or Application from a child without the consent of the child's parent or guardian as required by law, we will comply with applicable legal requirements to delete the information.

We reserve the right to modify this Privacy Policy at any time. If we make material changes to this Privacy Policy, we will notify you by updating the date of this Privacy Policy and posting it on the Service or other appropriate means. Any modifications to this Privacy Policy will be effective upon our posting the modified version (or as otherwise indicated at the time of posting). In all cases, your use of the Service after the effective date of any modified Privacy Policy indicates your acknowledging that the modified Privacy Policy applies to your interactions with the Service and our business. Depending on the kind of change we make to this Privacy Policy, we might notify you of the change or request your consent to it.

To make inquiries related to this Privacy Policy or exercise your rights that you may have in relation to your personal data, you can contact us through the following means:

Email: legal@divine.inc