Introduction

Welcome to the Privacy and Data Policy of Panhwar Crypto Token Company. This policy governs the collection, use, and protection of your information on our panhwarcrypto.com and private permissioned blockchain platform.

This Privacy Statement explains how Panhwar Crypto collects, uses, and shares your Personal Data that we receive from you when you visit our website or app, or which we otherwise receive or collect from you in the course of providing our products and services and conducting business operations.

In this statement, we answer some questions, such as:

- How do we collect Personal Data about you?

- What type of Personal Data do we collect?

- How is your Personal Data used, and what is the legal basis for collecting and processing it?

- How do we keep your Personal Data safe?

- How do we share your Personal Data?

- What does Panhwar Crypto’s real-time public reserve transparency mean for your Personal Data?

- What are your legal data privacy rights?

- How long do we retain your Personal Data?

- How do we protect children’s privacy?

- How do we use your Personal Data to inform you and market to you?

- How do we make changes to this Privacy Statement?

- Where does this Privacy Statement apply?

- Who can you contact if you have further questions or requests about your privacy?

Please note that when we mention "Panhwar Crypto," "we," "us," or "our" in this privacy statement, we are referring to the relevant company in the Panhwar Crypto group responsible for processing your Personal Data.

It is important that you read this Privacy Statement along with any other privacy statement or fair processing notice we may provide on specific occasions when we are collecting or processing Personal Data about you. This will help you understand how and why we are using your data. This Privacy Statement supplements other notices and is not intended to override them.

How do we collect Personal Data about you?

We collect Personal Data directly and indirectly, when you register with us, use our Service, or access third-party services that use our Application Programming Interface (API).

• When registering with us, we ask you for detailed information that we'll use to verify your identity and protect against fraud, among other reasons discussed below. We gather Personal Data at other times when managing your account, such as from surveys, during support or customer care, or during investigations.
• We automatically collect information sent to us by your computer, mobile phone or other device to improve your experience. When you use a location-enabled device with our Service, we may collect geographical location data or use various means to determine your location, such as sensor data from your device that may, for instance, provide data on nearby cell towers and Wi-Fi access spots.
• As you interact with our website or software applications, we may automatically collect technical data about your equipment, browsing actions, and patterns. We collect this information by using cookies, server logs, and other similar technologies. Cookies are small data files stored on your hard drive by a website. They help us make our website and Service and your use of them better by allowing us to recognize your browser and capture and remember certain information. You can also adjust your browser settings to disable cookies, but it may affect your ability to use the Service and our website. Please see our Cookie Policy for additional information.
• Finally, we may receive data from third parties about you, including technical data from analytics and advertising partners like Google, as well as from identity verification providers and other financial institutions.

How is your Personal Data used, and what is the legal basis for collecting and processing it?

Panhwar Crypto is committed to protecting your personal data and privacy in accordance with the USA Privacy & Data Policy. We only collect the personal data that we require to offer and support our service and to comply with our legal and regulatory obligations.

• We use the collected information for several purposes, including service enhancement, identity verification, transaction facilitation, security measures, and legal compliance.
• We collect identity verification data, which includes your name, address, phone number, email, and other similar information to verify your identity. We may also require additional personal data, such as your taxpayer or government identification number, or a copy of your government-issued identification, to complete the verification process. We may obtain information from third parties to verify that you are eligible to use our services.
• To validate your identity and physical address, we may require additional documentation to verify your identity and physical address.
• We collect financial data to perform the transactions you request on the platform and to comply with regulatory requirements. We share certain elements of your personal data with third parties to perform these functions. When linking your existing bank account to the Panhwar Crypto platform, users in certain jurisdictions may use Plaid, a third-party service, to seamlessly link accounts.
• We collect information about your transactions, payments, and account activities. We also collect data on your interaction and use of our service, including visits to our website or app, sign-up activity, and other details of products and services you have purchased from us.
• We collect and process your device data, such as your IP addresses, login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our website or software applications.
• We collect marketing data to understand your preferences and provide you with personalized marketing content. You can opt-out of receiving marketing communications from us at any time.
• We take appropriate technical and organizational measures to safeguard your personal data against unauthorized access, loss, or destruction. We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected or as required by law.

If you have any questions or concerns about our privacy practices or your personal data, please contact us.

How do we keep your Personal Data safe?

• We take the safety of your Personal Data very seriously and have implemented various security measures to prevent any accidental loss, unauthorized access, alteration, or disclosure. We maintain physical, electronic, and procedural safeguards, and employ tested security technologies in compliance with applicable laws.
• We also use network safeguards such as firewalls and data encryption, enforce physical access controls, and ensure that access to Personal Data is only granted to those individuals who require it to fulfill their job responsibilities.
• We limit access to your Personal Data only to those employees who have a business need to know. They are obligated to process your Personal Data only as per our instructions and are bound by a duty of confidentiality.
• We carefully screen and periodically reevaluate those with access to your Personal Data and require them to keep it confidential at all times.

How do we share your Personal Data?

• 1. Internal Sharing:

  We may share your personal data internally between employees and contractors of Panhwar Crypto, including those based outside the USA, especially for activities undertaken jointly or in common with such group members.
• 
  

  2. Sharing with Partners and Affiliates:

  We may share your information with partner and affiliate companies that provide services to us.



• 3. No Transfer to Third Parties:

  We do not sell, trade, or transfer your personal data to any third parties except when required by law or in the event of a sale or transfer of ownership.



• 4. Confidentiality and Security:

  If we need to share data, we require that these parties keep it confidential and secure at the same level of protection we provide to you under relevant privacy laws.



• 5. Disclosure to Law Enforcement Officials:

  We may also disclose your information to law enforcement officials to comply with the law, enforce our policies, or protect the rights, property, or safety of Panhwar Crypto, our users, or others. We have guidelines available to the public on how we engage with law enforcement officials.



• 6. Sale or Transfer of Ownership:

  Finally, if we sell or transfer ownership, your data will be shared with the new owners.

What does Panhwar Crypto’s real-time public reserve transparency mean for your Personal Data?

• Panhwar Crypto company ensures transparency by publishing information about its holdings and transactions on its website. Panhwar Crypto's Reservechain™ and Reserveledger™ record transactions without storing any Personal Data. The Reservechain™ and Reserveledger™ contain information about the amount, asset class, and time-stamp of all transactions conducted using the service, which is accessible to the public. However, only the users involved in the transaction can access the Personal Data associated with it.

What are your legal data privacy rights?

As a user of Panhwar Crypto, you have certain legal data privacy rights. These rights include:

• - The right to access the personal data we store and process about you. You can also request a copy of it to transfer to another service provider.
• - The right to request that we correct any inaccurate data we have about you.
• - The right to ask us to delete, restrict, or object to us processing your data. However, please note that for legal reasons, such as anti-money laundering rules and regulations, we may not always be able to comply with such requests.
• - The right to request the transfer of your personal data to you or to a third party, in a structured, commonly used, machine-readable format.
• - The right to withdraw your consent at any time. This applies if we are relying on consent to process your personal data, including for marketing purposes.
• - The right to lodge a complaint with a supervisory authority.

You can update your marketing preferences on the Panhwar Crypto platform under your user settings or through any Newsletter via the “Unsubscribe” link. For any other data privacy inquiries, please submit your request through our standard customer support process by contacting our support team.

If you are based in the USA, you may have additional data privacy rights under federal or state laws. To learn more about these rights, please visit the official website of the Federal Trade Commission (FTC) or contact our support team for further assistance.




How long do we retain your Personal Data?

At Panhwar Crypto, we take the security and accuracy of your Personal Data seriously. We have implemented reasonable procedures to ensure that your data is reliable, accurate, complete, and up-to-date.

• We only hold your Personal Data for as long as necessary to fulfill the purposes for which it was collected. This includes, but is not limited to, legal, accounting, or reporting requirements, as well as those required by data and privacy laws of the USA, such as anti-money laundering and counter terrorist financing regulations. According to our legal and regulatory compliance obligations, we are required to keep customer data for five years after the end of the customer relationship.
• Once it is no longer necessary to retain your Personal Data, we will securely delete it in compliance with applicable laws and regulations. However, in some cases, we may anonymize your data for research or statistical purposes, in which case we may use it indefinitely without further notice.
• If you request that we stop sending you marketing materials, we will keep a record of your contact details to ensure compliance with your request.
• If you make a Data Subject request through our standard customer support channel, we will retain the minimum amount of data required to keep a record of your request and the action we took to resolve it.



How do we protect children’s privacy?

We do not intentionally request or gather information from anyone under the age of 18. If we learn that a child under 18 has provided us with their personal data, we will terminate their account and limit access to their information. If you suspect that we may have collected personal information from a child under 18, please contact us using the details provided below.




How does Panhwar Crypto use your Personal Data for marketing purposes?

In compliance with US privacy laws, Panhwar Crypto may send you personalized marketing information by email, which may include updates about our products and services, industry news, our events, activities and offers, information about our business and personnel, and tips. To improve the relevance and specificity of these communications, we may combine your Personal Data such as age, transaction history, and account usage.
Here are some important points to keep in mind:
• You have the right to opt-out of receiving marketing messages or information from Panhwar Crypto at any time by clicking the "unsubscribe" link on any marketing message sent to you or by updating your contact preferences directly on our website. Please note that it may take up to 10 days for this to take effect.
• If you choose to opt-out of receiving marketing messages, you may still receive emails from us related to the operation of our service, such as transaction confirmations.
• Please note that your decision to opt-out of receiving marketing messages will not apply to Personal Data collected by or provided to us in connection with a specific purpose, request, order, event or activity or any dealings with you.

If you have any questions about how we use your Personal Data for marketing purposes, please feel free to contact us.




How do we make changes to this Privacy Statement?

This version was last updated on the date indicated above, and historic versions are archived and can be obtained by contacting us. At Panhwar Crypto, we may update this Privacy Statement from time to time as we deem necessary or appropriate in our sole discretion. If there are any material changes to this Privacy Statement, we will notify you by email, by means of a notice on the Panhwar Crypto Platform, or as otherwise required by applicable law. We encourage you to review this Privacy Statement periodically to be informed regarding how we are using and protecting your information and to be aware of any policy changes. Any changes to this Privacy Statement take effect immediately after being posted or otherwise provided by us. It is important that the Personal Data we hold about you is accurate and current. Please keep us informed if your Personal Data changes during your relationship with us.




Where does this Privacy Statement apply?

Panhwar Crypto Company Privacy Statement applies to all services offered by Panhwar Crypto Company, including services offered through third-party sites like advertising services. However, it does not apply to services that have separate privacy notices which do not incorporate this Privacy Statement.

• Other Companies and Organizations

  It is important to note that this Privacy Statement does not cover the information practices of other companies or organizations that advertise our services. It also does not apply to services offered by other companies or individuals, including products or sites that may include our services or be linked from our services.

• Third-Party Sites

  Please be aware that our website and app may have links to third-party websites, plug-ins, and applications. By clicking on those links or enabling those connections, third parties may collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy statement of every website you visit.




Contact Information

If you have any questions or concerns regarding this Policy, please send us a message via Contact Page.

By using Panhwar's blockchain services, you acknowledge and agree to the terms outlined in this Privacy and Data Policy. It is recommended that you review this Policy regularly for updates.