This Privacy Policy describes how USD.AI Foundation, a Cayman Islands foundation company ("Foundation," "we," "us," or "our"), collects, uses, and shares information in connection with the website located at gpuloans.com (the "Site") and related services (collectively, the "Services").

By accessing or using the Site or Services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree to this Privacy Policy, please do not use the Site or Services.

1. INFORMATION WE COLLECT

   Information You Provide

   We collect information you provide directly to us, including:

   • Contact information (name, email address, phone number, business address)
   • Business information (company name, role, industry)
   • Financial information (asset details, operational data, revenue information)
   • Identity verification information (government-issued ID, proof of address, beneficial ownership information)
   • Communications (emails, messages, and other correspondence with us)
   • Any other information you choose to provide

   Information Collected Automatically

   When you access the Site, we automatically collect certain information, including:

   • Device information (IP address, browser type, operating system)
   • Usage information (pages viewed, time spent on Site, referring URL)
   • Location information (approximate location based on IP address)
   • Cookies and similar technologies (see Section 5 below)

   Information from Third Parties

   We may receive information about you from third parties, including:

   • Identity verification services
   • Credit reference agencies
   • Sanctions screening databases
   • Publicly available sources (websites, public records, social media)
   • Business partners and referral sources
2. HOW WE USE YOUR INFORMATION

   To Provide and Improve the Services

   • Processing inquiries and applications
   • Conducting due diligence and underwriting
   • Facilitating financing arrangements
   • Providing customer support
   • Improving and developing the Services

   For Compliance and Legal Purposes

   • Verifying your identity (KYC procedures)
   • Complying with anti-money laundering and sanctions requirements
   • Responding to regulatory inquiries and legal process
   • Detecting and preventing fraud
   • Enforcing our terms and agreements

   For Communications

   • Sending transactional communications
   • Providing updates about the Services
   • Marketing communications (with your consent where required)

   For Our Legitimate Interests

   • Analyzing usage patterns and trends
   • Protecting our rights and property
   • Managing business operations
3. HOW WE SHARE YOUR INFORMATION

   Service Providers.

   We share information with third parties who perform services on our behalf, including identity verification providers, data center operators, professional advisors, and technology providers. These parties are contractually obligated to use your information only for the purposes of providing services to us.

   Affiliates and Partners.

   We may share information with our affiliates and business partners, including Permian Labs, Inc. (our service provider) and entities involved in financing arrangements.

   Protocol Participants.

   Certain information may be visible on public blockchains in connection with your use of the USD.AI Protocol, including wallet addresses and transaction data.

   Legal and Regulatory.

   We may disclose information to comply with applicable laws, regulations, or legal process, or to respond to requests from regulatory authorities, tax authorities, or law enforcement.

   Business Transfers.

   We may share information in connection with a merger, acquisition, reorganization, or sale of assets.

   With Your Consent.

   We may share information with your consent or at your direction.

4. INTERNATIONAL TRANSFERS

   The Foundation is based in the Cayman Islands, and our service providers may be located in various jurisdictions around the world, including the United States. By using the Services, you consent to the transfer of your information to jurisdictions that may have different data protection laws than your jurisdiction of residence.

   Where required by applicable law, we implement appropriate safeguards for international transfers, such as standard contractual clauses.

5. COOKIES AND TRACKING TECHNOLOGIES

   We use cookies and similar technologies to collect information and improve the Services. Cookies are small data files stored on your device that help us recognize you and remember your preferences.

   We use the following types of cookies:

   • Essential Cookies: Required for the Site to function properly
   • Analytics Cookies: Help us understand how visitors use the Site
   • Functional Cookies: Remember your preferences and settings

   You can manage your cookie preferences through your browser settings. Note that disabling certain cookies may affect the functionality of the Site.

6. DATA RETENTION

   We retain your information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements. The retention period may vary depending on the context and our legal obligations.

   When determining retention periods, we consider:

   • The nature and sensitivity of the information
   • The purposes for which we process the information
   • Applicable legal and regulatory requirements
   • Statute of limitations for potential claims
7. DATA SECURITY

   We implement appropriate technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. YOUR RIGHTS

   Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

   • The right to access your personal information
   • The right to correct inaccurate information
   • The right to delete your information (subject to legal retention requirements)
   • The right to restrict or object to processing
   • The right to data portability
   • The right to withdraw consent (where processing is based on consent)

   To exercise these rights, please contact us using the information provided below. We may request verification of your identity before responding to your request.

9. CHILDREN'S PRIVACY

   The Services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it.

10. THIRD-PARTY LINKS

    The Site may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties, and we encourage you to review their privacy policies.

11. CHANGES TO THIS PRIVACY POLICY

    We may update this Privacy Policy from time to time. If we make material changes, we will update the "Last Updated" date and, where appropriate, provide additional notice. Your continued use of the Services after any changes constitutes your acceptance of the updated Privacy Policy.

12. CONTACT US

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

    USD.AI Foundation

    PO Box 10061

    George Town Financial Center

    90 Fort Street, Suite 306

    Grand Cayman, KY1-1001

    Cayman Islands

    Email: hello@usd.ai

13. CAYMAN ISLANDS DATA PROTECTION

    For individuals whose personal data is processed under the Cayman Islands Data Protection Act (as amended), the Foundation is the data controller. You have certain rights under the Act, including the right to be informed about processing, to access your data, to have inaccurate data corrected, and to complain to the Office of the Ombudsman.