ValorUp Privacy Policy

ValorUp Privacy Policy

Data Protection and Compliance Framework

1. Introduction

ValorUp is committed to protecting the privacy, confidentiality, and integrity of all personal and institutional information entrusted to us. This Privacy Policy explains how we collect, use, process, store, and protect your personal data when you use our website, applications, account registration system, compliance modules, financial services, decentralized wallets, MasterCard/Visa products, investment tools, and in-app chat features. By accessing or using these services, you acknowledge and accept the associated responsibilities, operational risks, and financial risks. Chat services are informational and do not constitute financial, legal, or investment advice.

2. Legal Basis & Compliance

We process personal data in accordance with applicable regulatory frameworks, including Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), Know Your Customer (KYC), and financial compliance obligations. Data processing is based on contractual necessity, legitimate interests, legal obligations, or explicit consent where required. All services, including wallets, MasterCard/Visa, investment products, and chat, are subject to regulatory compliance and operational security measures.

3. Information We Collect

• Full legal name and any previous names (if applicable)
• Passport or government-issued ID details
• Date of birth, place of birth, and nationality
• Residential and mailing addresses
• Email and phone contacts
• Source of funds and wealth declaration
• Occupation, employment, or business activity information
• Blockchain wallet addresses, transaction history, and digital asset activity
• IP address, browser data, and device identifiers
• Communication, chat logs, and consultation records
• Transaction records for investment and financial services
• Card transaction and usage information for MasterCard/Visa products

4. KYC & Identity Verification

To fulfill identity verification and regulatory obligations, ValorUp may request camera access, document uploads, and biometric verification. Facial or biometric data is used solely for KYC authentication and fraud prevention, processed with enhanced security measures.

5. Purpose of Data Processing

• Client account opening and management
• Regulatory compliance screening and ongoing monitoring
• Fraud detection and financial crime prevention
• Transaction verification and asset management
• Risk assessment and internal audits
• Customer support and chat communications
• Platform performance, security enhancements, and product improvements
• MasterCard/Visa card issuance and usage monitoring
• Investment planning, portfolio analytics, and performance tracking

6. Data Sharing & Third Parties

Personal information may be shared with regulated banks, compliance service providers, auditors, legal advisors, payment processors, blockchain networks, and government authorities when legally required or necessary for business operations. ValorUp does not sell, rent, or commercially distribute personal data.

7. Data Retention

Data is retained only as long as required to meet legal, regulatory, financial, and operational obligations. Certain compliance records and transaction histories may be retained longer under AML and financial reporting regulations.

8. Security Measures

• End-to-end encrypted communication (SSL/TLS)
• Secure cloud infrastructure with firewall protection
• Role-based access control and internal audit logs
• Continuous monitoring and cybersecurity assessments
• Strict employee confidentiality agreements

9. Your Rights

Where legally permitted, you may request access to your personal data, correct inaccurate information, or request deletion. Certain compliance and financial records may not be deletable due to regulatory obligations.

10. Policy Updates

ValorUp reserves the right to update this Privacy Policy at any time to reflect regulatory changes or operational adjustments. Continued use of our services constitutes acceptance of the updated policy.

11. Contact