Privacy Policy

Last Updated: February 17, 2026

StackStats Apps LLC ("we," "our," or "us") operates RemitDLT. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our cross-border stablecoin remittance service.

1. Information We Collect

1.1 Information You Provide

• Account Information: Email address, name (optional for personal accounts, required for business accounts)
• Payment Information: XRPL wallet addresses for sending and receiving
• Contact Information: When you contact support or use our contact form
• Business Information: For business accounts: company name, tax ID, billing address

1.2 Information Automatically Collected

• Transaction Data: Transfer amounts, timestamps, wallet addresses, transaction hashes
• Usage Data: Device type, browser type, IP address, pages visited
• Cookies: Session cookies for authentication and preferences

1.3 Blockchain Data

All transactions on the XRP Ledger are public and permanent. Anyone can view transaction amounts, wallet addresses, and timestamps on blockchain explorers. We do not control this data — it's inherent to blockchain technology.

2. How We Use Your Information

We use collected information to:

• Process and facilitate cross-border remittance transactions
• Maintain and improve RemitDLT services
• Provide customer support and respond to inquiries
• Detect and prevent fraud, abuse, and security incidents
• Comply with legal obligations and anti-money laundering (AML) requirements
• Send service updates, security alerts, and important notices
• Analyze usage patterns to improve user experience

3. How We Share Your Information

3.1 We DO NOT Sell Your Data

We will never sell, rent, or trade your personal information to third parties for marketing purposes.

3.2 We May Share With:

• Service Providers: Cloud hosting, email delivery, analytics (under strict data protection agreements)
• Payment Partners: XRPL node operators and stablecoin issuers (Ripple, Circle) to process transactions
• Legal Authorities: When required by law, court order, or to prevent fraud/illegal activity
• Business Transfers: In the event of a merger, acquisition, or asset sale

3.3 Publicly Available Blockchain Data

Transaction data recorded on the XRP Ledger is public by design. Anyone can view wallet addresses, transfer amounts, and timestamps. This is fundamental to blockchain transparency and cannot be made private.

4. Data Security

We implement industry-standard security measures:

• Encryption in transit (TLS/SSL) and at rest
• Secure wallet key management (non-custodial where possible)
• Regular security audits and penetration testing
• Access controls and authentication for internal systems
• Monitoring for suspicious activity and fraud detection

However, no system is 100% secure. While we strive to protect your data, we cannot guarantee absolute security. You are responsible for maintaining the security of your wallet private keys.

5. Data Retention

We retain your information for as long as:

• Your account is active
• Needed to provide services
• Required by law (e.g., AML/KYC regulations typically require 5-7 years)
• Necessary to resolve disputes or enforce agreements

Blockchain transaction data is permanent and cannot be deleted. When you close your account, we delete personal identifiers but retain transaction records as required by financial regulations.

6. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your data (subject to legal retention requirements)
• Portability: Receive your data in a machine-readable format
• Opt-Out: Unsubscribe from marketing emails (service emails required for account operation)
• Object: Object to certain data processing activities

To exercise these rights, contact us at [email protected].

7. International Transfers

RemitDLT operates globally. Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for international data transfers, including standard contractual clauses and compliance with GDPR, CCPA, and other privacy regulations.

8. Children's Privacy

RemitDLT is not intended for users under 18 years of age. We do not knowingly collect information from children. If we discover we have collected data from a child, we will delete it promptly.

9. Third-Party Links

Our service may contain links to third-party websites (e.g., XRPL explorers, partner services). We are not responsible for their privacy practices. Please review their privacy policies before providing information.

10. Cookies and Tracking

We use cookies for:

• Essential: Authentication, security, session management (required)
• Analytics: Understanding usage patterns (can be disabled)
• Preferences: Remembering your settings (optional)

You can disable non-essential cookies in your browser settings, but this may limit functionality.

11. California Privacy Rights (CCPA)

California residents have additional rights under the CCPA:

• Know what personal information is collected, used, shared, or sold
• Delete personal information (subject to exceptions)
• Opt-out of the sale of personal information (we do not sell data)
• Non-discrimination for exercising privacy rights

12. European Privacy Rights (GDPR)

EU/EEA residents have rights under GDPR, including:

• Right to access, rectification, erasure, and portability
• Right to restrict or object to processing
• Right to withdraw consent
• Right to lodge a complaint with a supervisory authority

13. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a new "Last Updated" date. For material changes, we'll notify you via email or prominent notice on our website.

14. Contact Us

Questions about this Privacy Policy? Contact us:

• Email: [email protected]
• Company: StackStats Apps LLC
• Service: RemitDLT Cross-Border Remittance