PRIVACY POLICY

At MXI ("MXI", "we", "our", or "us"), we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our websites, use our mobile apps, or interact with any part of the MXI ecosystem. By using our services, you agree to the terms outlined in this policy.

This policy applies across all MXI properties including our website (e.g., www.mxi.finance), mobile apps, and related applications, collectively referred to as the "Service."

Definitions

• Account: A profile created by you to access MXI Services.
• Company: MXI (Monerex LLC)
• Cookies: Small data files stored on your device used to improve user experience.
• Country: Delaware, United States.
• Personal Data: Information that identifies or can be used to identify a person.
• Service: Websites, apps, APIs, and any other digital properties provided by MXI.
• Service Provider: Third parties who process data on MXI's behalf.
• Usage Data: Data collected automatically related to service usage (e.g., IP address, browser info, session times).
• You: Any individual or entity using the Service.

Information We Collect

We may collect the following types of personal data:

• Contact Information: Name, email address, phone number
• Address Information: Residential and business address
• Identity Verification: Government-issued IDs for verification (e.g., passport, driver's license)
• Financial Information: Payment or crypto wallet details
• Technical Data: Usage data including device and location information

Usage Data

Collected automatically when you interact with our services. This may include:

• Network Information: IP address
• Device Information: Device and browser type
• Navigation Data: Referring and exit pages
• Activity Logs: Pages visited, time spent, and crash logs
• Location Data: Location data if you permit it

Cookies and Tracking Technologies

We use both session and persistent cookies for the following purposes:

• Security: Authentication and account security
• User Experience: Remembering preferences
• Analytics: Analyzing traffic and behavior
• Compliance: Complying with legal requirements

You can control cookie preferences via your browser. Some features may not function if cookies are disabled.

How We Use Personal Data

We use your personal data for the following purposes:

1. To verify your identity and perform KYC/AML screening
2. To provide, manage, and improve our Services
3. To communicate with you (support, updates, marketing)
4. To prevent fraud and ensure compliance
5. To personalize your experience
6. To fulfill legal obligations

Data Retention

We keep your data only as long as necessary for the purposes stated in this policy or as required by law. Our retention periods are as follows:

• Active account data: Retained for the duration of the relationship
• Closed/dormant accounts: Retained for up to 7 years
• Analytics and security logs: Retained as needed for internal use

International Transfers

Your information may be stored and processed in countries outside your own. Where this occurs, we take appropriate steps to ensure adequate protection is in place.

Data Disclosure

We may share your data in the following circumstances:

1. With trusted third-party service providers for business functions
2. As required by legal authorities under applicable law
3. In connection with business transfers such as mergers or acquisitions
4. To protect MXI, its users, or the public against harm or fraud

Data Security

We implement the following security measures to protect your data:

• Encryption of data in transit and at rest
• Access controls and authentication
• Secure software development practices
• Regular security audits and monitoring

However, no system is completely foolproof, and we cannot guarantee absolute security.

Your Rights

Depending on your location, you may have the following rights:

1. Access, correct, or delete your personal data
2. Restrict or object to certain processing
3. Withdraw consent where applicable
4. File complaints with relevant data protection authorities

Contact us at privacy@mxi.finance to exercise your rights.

Children's Privacy

Our Services are not intended for individuals under the age of 13. If we discover we have collected data from a minor without parental consent, we will delete it.

External Links

Our Services may link to third-party sites. We are not responsible for their privacy practices and encourage you to review their policies.

Changes to This Policy

We may update this Privacy Policy from time to time. When we make changes:

• Material changes will be communicated via email or prominent in-app notification
• The updated policy will be posted on our website
• Continued use of the Services implies acceptance of the updated terms

We recommend reviewing this policy periodically to stay informed about how we protect your information.

Consent to Receive SMS Messages

By providing your mobile number and affirmatively opting in through the MXI website, mobile application, onboarding flow, support channels, or account settings, you agree to receive SMS messages from MXI regarding your account and service-related activities. These messages may include account security alerts, one-time passcodes, suspicious activity alerts, transaction notifications, KYC/KYB onboarding or verification updates, card-related updates, customer support communications, and other service or operational notices.

Message frequency varies based on your account activity, support requests, security events, and your use of MXI services. Message and data rates may apply depending on your mobile carrier and service plan.

Your consent to receive SMS messages is not a condition of purchasing any product or using MXI services. You may opt out at any time by replying STOP to any message. For assistance, reply HELP or contact MXI at support@mxi.finance.

Opting out of SMS messages may limit MXI's ability to send certain non-essential service updates by text message. MXI may continue to communicate with you through email, in-app notifications, or other channels as permitted by law and under your service relationship with us.

Contact Us

If you have questions or concerns about this Privacy Policy, please reach out through any of the following channels:

• Email: privacy@mxi.finance
• Website: www.mxi.finance
• Address: MXI (Monerex LLC), 1603 Capitol Avenue, Cheyenne, WY 82001, Suite 413 - D272, USA
• Response time: We aim to respond to privacy inquiries within 30 days