UGOLD Inc. (“UGOLD,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us when accessing or using the UGOLD platform, products, and services (collectively, the “Services”). This Privacy Policy explains how we collect, use, disclose, transfer, and safeguard your information, and the choices you have regarding your personal information.

By visiting, accessing, or using the Services, including UGOLD Wallets, UGOLD Tokens, card programs, physical gold conversion services, or related features, you acknowledge that you have read and understood this Privacy Policy.

1. Scope

This Privacy Policy applies to personal information collected:

• through UGOLD websites, applications, APIs, and platforms (the “Platforms”);
• in connection with account registration, wallet access, token transactions, card usage, or conversion requests;
• from communications with support, operations, or compliance teams; and
• by our authorized service providers acting on our behalf.

This Privacy Policy does not cover third-party platforms or services that you may access independently (such as crypto exchanges, card issuers, or custodians), which are governed by their own privacy policies.

2. Information We Collect

We collect information necessary to provide Services, comply with legal obligations, manage risk, and improve our products.

2.1 Identity and Contact Information

May include:

• name, date of birth;
• email address, telephone number;
• government-issued identification details;
• residency, nationality, or tax-related information.

2.2 Account, Wallet, and Transaction Data

May include:

• public blockchain addresses and transaction data;
• UGOLD wallet identifiers;
• transaction metadata (dates, amounts, counterparties);
• card program account identifiers with third-party issuers;
• physical conversion orders and settlement records.

2.3 Compliance and Verification Data

Where required by law or risk policy, may include:

• identity verification documents and biometric checks;
• source of funds or source of wealth information;
• beneficial ownership details;
• occupation or business activity information.

2.4 Technical and Usage Information

May include:

• IP address and approximate location;
• device identifiers, operating system, and browser type;
• log files, timestamps, and diagnostic data;
• cookie identifiers and analytics information.

2.5 Communications

May include:

• emails, support tickets, and chat messages;
• feedback and survey responses;
• recordings or logs of communications where permitted by law.

3. How We Use Your Information

We use personal information to:

• provide, operate, and maintain the Services;
• create and manage accounts and wallets;
• process transactions, conversions, and service requests;
• verify identity and comply with legal and regulatory obligations;
• detect, prevent, and investigate fraud, security incidents, or misuse;
• manage relationships with card issuers, custodians, and payment partners;
• communicate with you about your account, services, or policy updates;
• improve performance, reliability, and user experience;
• protect the rights, property, and safety of users, UGOLD, and third parties.

4. Legal Bases for Processing (Where Applicable)

Depending on your location and applicable law, we process personal information based on one or more of the following:

• performance of a contract with you;
• compliance with legal obligations;
• legitimate interests such as security, fraud prevention, and service improvement;
• your consent, where required (for example, for certain cookies or marketing communications).

5. Sharing and Disclosure of Information

We may share personal information in the following circumstances:

5.1 Service Providers and Partners

With vendors and partners who support our operations, such as:

• identity verification and compliance providers;
• hosting, infrastructure, and security providers;
• card issuers, payment networks, and processors;
• custody or settlement service providers (such as Grata or similar partners);
• analytics and customer support tools.

These parties are authorized to use personal information only as necessary to perform services for us or to comply with their own legal obligations.

5.2 Financial and Transaction Counterparties

With banks, card issuers, payment networks, or custodians involved in payments, settlement, custody, or conversion services.

5.3 Legal and Regulatory Authorities

When required by law, regulation, subpoena, court order, or governmental request, or when we believe disclosure is necessary to protect rights, safety, or property.

5.4 Corporate Transactions

In connection with a merger, acquisition, reorganization, financing, or sale of assets, subject to appropriate confidentiality and data protection commitments.

5.5 Public Blockchains

Information included in blockchain transactions is public by design and may be accessible to anyone. UGOLD does not control how third parties use publicly available blockchain data.

6. Cookies and Similar Technologies

Our Platforms may use cookies and similar technologies to:

• enable core functionality and security features;
• remember preferences and settings;
• analyze usage and performance;
• improve user experience.

You can manage cookies through your browser settings or platform tools. Disabling certain cookies may affect functionality.

7. Data Retention

We retain personal information for as long as necessary to:

• provide the Services;
• comply with legal, regulatory, and accounting requirements;
• resolve disputes and enforce agreements;
• maintain security and prevent fraud.

When information is no longer required, we delete or anonymize it in accordance with our data retention policies.

8. International Data Transfers

UGOLD operates internationally. Your information may be processed or stored in countries other than your country of residence. Where required by applicable law, we use appropriate safeguards to protect personal information in connection with cross-border transfers.

9. Your Rights and Choices

Subject to applicable law, you may have rights to:

• access your personal information;
• request correction of inaccurate or incomplete data;
• request deletion of certain data;
• object to or request restriction of certain processing;
• request a copy of your data in a portable format;
• withdraw consent where processing is based on consent.

Requests can be made by contacting support@ugold.co. We may need to verify your identity before responding.

10. Security

We implement administrative, technical, and organizational measures designed to protect personal information against unauthorized access, loss, misuse, or alteration. However, no system can be guaranteed to be completely secure.

11. Children’s Privacy

The Services are not directed to children under the applicable minimum legal age. We do not knowingly collect personal information from children. If we become aware that we have collected such information in violation of law, we will take steps to delete it.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in law, technology, business practices, or our Services. Updated versions will be posted on our Platforms, and significant changes may be communicated to you by additional means.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, you may contact us at:

Email: support@ugold.co
Mail: UGOLD Inc., 410 S. Rampart, Office 330, Las Vegas, NV 89145, USA