Privacy Policy

Privacy Policy

This Privacy Policy explains how cosmos collects, uses, and protects your information when you use our AI-powered credit scoring platform (the "Service"). By using the Service, you agree to the practices described in this Privacy Policy.

1. Information We Collect

a. On-Chain Data

We analyze publicly available blockchain data, including transaction history, wallet activity, and interactions with decentralized applications ("on-chain data"), to generate credit scores. This data is inherently public and collected automatically.

b. Account Information

If you choose to create an account or interact with us, we may collect:

• Email address

• Username

• Other voluntary information you provide

c. Technical Data

We may collect technical information such as:

• Device type

• Browser type

• IP address

• Usage statistics (e.g., time spent on the platform, features used)

2. How We Use Your Information

a. Credit Scoring

We use on-chain data to calculate credit scores and provide insights related to creditworthiness.

b. Platform Operation

To operate, maintain, and improve the functionality of the Service.

c. Communication

To respond to inquiries, provide updates, or notify you of changes to the Service.

d. Research and Development

To improve our algorithms, enhance user experience, and ensure fair credit assessment.

3. Data Privacy and Security

a. Privacy by Design

We prioritize privacy and use techniques such as encryption and zero-knowledge proofs to ensure that sensitive data is analyzed securely and remains private.

b. Security Measures

We implement industry-standard security measures to protect your data, including:

• Secure servers

• Encrypted connections (SSL/TLS)

• Regular audits

c. No Sharing of Personal Data

We do not sell, rent, or share your personal data with third parties for marketing purposes. Any data shared is aggregated or anonymized to ensure privacy.

4. Your Rights

a. Access and Control

You have the right to:

• Access your credit score

• Update or delete your account information

• Request deletion of your data (to the extent permitted by applicable laws)

b. Opt-Out

You can opt out of communications by following the instructions provided in our emails or contacting us directly.

5. Cookies and Tracking

We may use cookies and similar tracking technologies to improve the Service and analyze usage patterns. You can control cookie preferences through your browser settings.

6. Third-Party Services

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties, and we encourage you to review their privacy policies.

7. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date. Continued use of the Service constitutes acceptance of the updated policy.

8. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

@studiocosmosapp