Privacy Policy: nvlope.app, Nvlope, Inc.

Effective Date: June 16, 2025
Last Updated: June 16, 2025

1. Introduction

nvlope.app ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

2. Information We Collect

2.1 Information You Provide Directly

• Account Information: Email address, name, company details when you create an account
• Assessment Data: Responses to our compliance assessments and business readiness questionnaires
• Payment Information: Billing details processed through third-party payment processors (we do not store credit card information)
• Communications: Messages you send us through contact forms, email, or support channels
• Subscription Preferences: Your chosen plan and communication preferences

2.2 Information Collected Automatically

• Usage Data: Pages visited, time spent on site, features used, assessment results
• Device Information: IP address, browser type, operating system, device identifiers
• Cookies and Tracking: See Section 7 for detailed information about cookies
• Analytics Data: Aggregated usage statistics and performance metrics

2.3 Information from Third Parties

• Payment Processors: Transaction confirmations and payment status
• Authentication Services: If you sign in through third-party services (Google, LinkedIn, etc.)
• Public Information: Publicly available information about regulatory developments and market data

3. How We Use Your Information

3.1 Service Provision

• Provide access to assessment tools, calculators, and educational content
• Generate personalized reports and recommendations
• Process subscription payments and manage your account
• Send service-related communications and updates

3.2 Improvement and Analytics

• Analyze usage patterns to improve our tools and services
• Develop new features and educational content
• Conduct research on stablecoin compliance trends (aggregated and anonymized)
• Optimize website performance and user experience

3.3 Communications

• Send subscription confirmations and billing notices
• Provide customer support and respond to inquiries
• Share regulatory updates and educational content (if you opt-in)
• Notify you of important service changes or security issues

3.4 Legal and Security

• Comply with legal obligations and regulatory requirements
• Protect against fraud, abuse, and security threats
• Enforce our Terms & Conditions
• Respond to legal requests and court orders

4. Information Sharing and Disclosure

4.1 We Do Not Sell Personal Information

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

4.2 Service Providers

We may share information with trusted third-party service providers who assist us with:

• Payment processing (Stripe, PayPal, etc.)
• Web hosting and cloud services (AWS, Google Cloud, etc.)
• Analytics and performance monitoring (Google Analytics, etc.)
• Email communications (Mailchimp, SendGrid, etc.)
• Customer support tools

4.3 Business Transfers

If nvlope.app is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4.4 Legal Requirements

We may disclose your information when required by law or when we believe disclosure is necessary to:

• Comply with legal process or government requests
• Protect our rights, property, or safety
• Protect the rights, property, or safety of our users or others
• Prevent fraud or security threats

4.5 Aggregated Information

We may share aggregated, anonymized information that cannot be used to identify you for research, marketing, or business development purposes.

5. Data Security

5.1 Security Measures

We implement appropriate technical and organizational measures to protect your information:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication requirements
• Monitoring for security threats and vulnerabilities

5.2 Limitations

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

6.1 Retention Periods

• Account Information: Retained for as long as your account is active
• Assessment Data: Retained for the duration of your subscription plus 2 years
• Usage Data: Typically retained for 2-3 years for analytics purposes
• Communications: Retained for 2 years for customer service purposes

6.2 Deletion

You may request deletion of your personal information at any time. We will delete your information within 30 days, except where retention is required by law or for legitimate business purposes.

7. Cookies and Tracking Technologies

7.1 Types of Cookies We Use

• Essential Cookies: Required for basic website functionality and security
• Analytics Cookies: Help us understand how users interact with our service
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used to deliver relevant content and measure campaign effectiveness

7.2 Managing Cookies

You can control cookies through your browser settings. However, disabling certain cookies may limit your ability to use some features of our service.

7.3 Third-Party Tracking

We use Google Analytics and other third-party tools that may place cookies on your device. These services have their own privacy policies governing their use of your information.

8. Your Rights and Choices

8.1 Access and Correction

You can access and update your account information at any time through your dashboard or by contacting us.

8.2 Data Portability

You may request a copy of your personal information in a machine-readable format.

8.3 Marketing Communications

You can opt out of marketing emails by:

• Using the unsubscribe link in emails
• Updating your preferences in your account dashboard
• Contacting us directly

8.4 Account Deletion

You may delete your account at any time, which will remove your personal information subject to our retention policies.

9. International Users

9.1 Data Transfers

nvlope.app is based in the United States. If you are accessing our service from outside the U.S., your information may be transferred to and processed in the United States.

9.2 European Users

If you are in the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR), including:

• Right to be informed about our data processing
• Right of access to your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Rights related to automated decision-making

To exercise these rights, please contact us using the information provided below.

10. Children's Privacy

nvlope.app is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will delete such information promptly.

11. California Privacy Rights

California residents have specific rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

We do not sell personal information as defined by the CCPA.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Providing notice through our service

Your continued use of nvlope.app after changes become effective constitutes acceptance of the updated Privacy Policy.

13. Contact Information

If you have questions about this Privacy Policy or our data practices, please contact us:

Email: support@nvlope.io
Address: 1701 Troost Ave, #1241, Kansas City, MO 64108
Website: nvlope.app

For GDPR-related inquiries, please use: support@nvlope.app

14. Data Protection Officer

For questions about data protection and privacy compliance, you may contact our Data Protection Officer at: dpo@nvlope.app

15. Supervisory Authority

If you are in the EEA and believe we have not addressed your privacy concerns, you have the right to lodge a complaint with your local data protection supervisory authority.

Last Updated: June 16, 2025

By using nvlope.app, you acknowledge that you have read and understood this Privacy Policy and agree to our collection, use, and disclosure of your information as described herein.