Privacy and Cookie Policy

At XRP, we’re committed to protecting and respecting your privacy. This Privacy and Cookie Policy (“Privacy Policy”) govern your access to and use of this Website, xrp.io (the “Website”), and associated content, software, and mobile applications (collectively, the “Service”). This Privacy Policy also includes our Terms of Use which is located at https://xrp.io/terms-of-service.

This Privacy Policy explains when and why we collect personal information about people who visit our Website or use our Services and how we use the personal information, the conditions under which we may disclose your personal information to others, and how we keep personal information secure. This Privacy Policy also explains how we use cookies and similar technology on our Website and in connection with our Services.

We may change this Privacy Policy from time to time so please check this page occasionally to ensure that you are happy with any changes. By using our Website or our Services, you are agreeing to be bound by this Privacy Policy.

What Information Do We Collect?
XRP.io (“XRP”, “we” or “us”) collects (a) the e-mail addresses of those who communicate with us via e-mail; (b) aggregate information concerning what pages users access or visit; (c) information volunteered by the user (such as survey information and/or site registrations); (d) financial information provided by the user for user syncing and information purposes only; and (e) information related to your use of the Website and/or the mobile application, including IP address, geographic location, and date and time of your request.

How Do We Use the Information?
XRP uses collected information for the following purposes:
- To fulfill a contract or take steps linked to a contract such as processing your registration on our Website or sending you information about changes to our terms or policies;
- Where it is necessary for purposes which are in XRP's or third parties’ legitimate interests such as (a) to provide the information or content you have requested; (b) to contact you about our programs, products, features or services; (c) for internal business purposes such as identification and authentication or customer service, and user preference syncing between devices; (d) to ensure the security of our Website, by trying to prevent unauthorized or malicious activities; (e) to enforce compliance with our Terms of Service and other policies; (f) to help other organizations (such as copyright owners) to enforce their rights; and (g) to tailor content, advertisements, and offers for you or for other purposes disclosed at the time of collection. If you do not wish to receive marketing information about our programs, products, features or services, you may send an email to us at [email protected]
- Where you give us consent, such as (a) where you ask us to send marketing information to you via a medium where we need your consent, including alerts via mobile push notifications; (b) where you give us consent to place cookies and to use similar technologies; and (c) on other occasions where we ask you for consent, for a purpose which we explain at that time.
- Where we are legally required to do so. We may also provide access to your personally identifiable information when legally required to do so, to cooperate with police investigations or other legal proceedings, to protect against misuse or unauthorized use of our Website, to limit our legal liability and protect our rights, or to protect the rights, property or safety of visitors of the Website or the public. In those instances, the information is provided only for that purpose.

Cookies and Web Beacons
A cookie is a small amount of data, which often includes an anonymous unique identifier, which is sent to your browser from a Website’s computers and stored on your computer’s hard drive. Cookies are required to use some XRP services. XRP and its ad management partners (“Ad Partners”) use cookies to record current session information.

Our Ad Partners may also from time to time use web beacons (also known as Internet tags, pixel tags, and clear GIFs). These web beacons are provided by our Ad Partners and allow Ad Partners to obtain information such as the IP address of the computer that downloaded the page on which the beacon appears, the URL of the page on which the beacon appears, the time the page containing the beacon was viewed, the type of browser used to view the page, and the information in cookies set by the Ad Partners. Web beacons enable our Ad Partners to recognize a unique cookie on your web browser, which in turn enables us to learn which advertisements bring users to our Website.

With both cookies and web beacon technology, the information that we collect and share is anonymous and not personally identifiable. It does not contain your name, address, geographic location, telephone number, wallet address or e-mail address.

Data Storage
XRP uses third-party vendors and hosting partners to provide the necessary hardware, software, networking, storage, and related technology required to run XRP and the related Website and mobile application. XRP owns the code, databases, and all rights to the XRP Website and mobile application and Services.

Security
We take precautions to ensure the security of your personal information. However, we cannot guarantee that hackers or unauthorized personnel may gain access to your personal information despite our efforts. You should note that in using the XRP service, your information will travel over the Internet and through third-party infrastructures and mobile networks, which are not under our control.

We cannot protect, nor does this Privacy Policy apply to, any information that you transmit to other users. You should never transmit personal or identifying information to other users.

Retention of Your Personal Information
We retain information as long as it is necessary to provide the Services requested by you and others, subject to any legal obligations to further retain such information. Information associated with your account will generally be kept until it is no longer necessary to provide the Services or until you ask us to delete it or your account is deleted, whichever comes first. Additionally, we may retain information from deleted accounts to comply with the law, prevent fraud, resolve disputes, troubleshoot problems, assist with investigations, enforce the Terms of Service, and take other actions permitted by law. The information we retain will be handled in accordance with this Privacy Policy.

Information about you that is no longer necessary and relevant to provide our Services may be de-identified and aggregated with other non-personal data to provide insights which are commercially valuable to XRP, such as statistics related to the use of XRP’s Website and application.

Processing of Personal Information
You agree that the terms of this Privacy Policy and the Terms of Use will apply and you consent to the transmission and processing of your personal information in any jurisdiction.

EU and EEA Users’ Rights
If you are habitually located in the European Union or European Economic Area, you generally have the right to access, rectify, download or erase your information, as well as the right to restrict and object to certain processing of your information. While some of these rights apply generally, certain rights apply only in certain limited circumstances.

You have the right to access your personal data and, if necessary, have it amended, deleted or restricted. In certain instances, you may have the right to the portability of your data. You can also ask us to not send marketing communications and not to use your personal data when we carry out profiling for direct marketing purposes. You can opt out of receiving e-mail newsletters and other marketing communications by following the opt-out instructions provided to you in those e-mails. Transactional account messages will be unaffected even if you opt out from marketing communications.

Complaints
Should you wish to raise a concern about our use of your information (and without prejudice to any other rights you may have), you have the right to do so with your local supervisory authority, although we hope that we can assist with any queries or concerns you may have about our use of your personal data.

Changes
XRP may periodically update this policy. We may notify you about significant changes in the way we treat personal information by placing a prominent notice on our Website so please check back occasionally to ensure that you agree with the changes. If you do not, do not use the Website, the application or our Services.

Effective Date: May 1th, 2021.