Privacy Policy and Terms of Service

1. Introduction

This Privacy Policy and Terms of Service ("Agreement") governs your use of our digital wallet services and associated applications ("Services"). By accessing or using our Services, you agree to be bound by this Agreement.

2. Definitions

• "User," "you," or "your" refers to individuals or entities using our Services
• "Company," "we," "us," or "our" refers to [Company Name]
• "Digital Wallet" refers to the electronic storage and transaction service provided
• "Partners" refers to any third-party financial institutions, service providers, or technology partners

3. Service Description

3.1 Wallet Services

We provide digital wallet services that enable you to:

• Create and manage digital wallets
• Connect to your banking institutions
• Link external digital wallets
• Conduct authorized financial transactions

3.2 Third-Party Integration

Our Services integrate with various financial institutions and service providers to facilitate transactions and provide comprehensive financial services.

4. Data Collection and Usage

4.1 Information We Collect

• Personal identification information
• Banking and financial information
• Transaction history
• Device and usage information
• Authentication credentials
• Communication records

4.2 Use of Information

We use collected information to:

• Provide and maintain our Services
• Process transactions
• Verify identity and prevent fraud
• Comply with legal and regulatory requirements
• Improve our Services
• Communicate with users

5. Security Measures

5.1 Data Protection

• Implementation of industry-standard encryption
• Multi-factor authentication
• Regular security audits
• Secure data storage and transmission protocols
• Continuous monitoring for suspicious activities

5.2 Compliance

We maintain compliance with:

• Bank Secrecy Act (BSA)
• Anti-Money Laundering (AML) regulations
• Know Your Customer (KYC) requirements
• Financial Crimes Enforcement Network (FinCEN) guidelines
• State and federal financial regulations

6. Third-Party Service Providers

6.1 Partner Services

We collaborate with authorized financial institutions and service providers to facilitate our Services. These partners are bound by strict confidentiality and security requirements.

6.2 Indemnification

You agree to indemnify, defend, and hold harmless our company and our service providers, partners, licensors, affiliates, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising from your use of the Services.

7. User Responsibilities

7.1 Account Security

• Maintaining confidentiality of credentials
• Reporting unauthorized access
• Ensuring accuracy of provided information
• Compliance with applicable laws and regulations

7.2 Prohibited Activities

• Unauthorized access attempts
• Fraudulent transactions
• Money laundering
• Terrorist financing
• Violation of sanctions programs

8. Liability Limitations

8.1 Service Availability

We strive to maintain continuous service availability but do not guarantee uninterrupted access. We are not liable for any service interruptions or delays.

8.2 Transaction Liability

We are not liable for:

• Unauthorized transactions resulting from user negligence
• Third-party service interruptions
• Financial losses due to market conditions
• Technical failures beyond our reasonable control

9. Regulatory Compliance

9.1 Financial Regulations

We comply with all applicable financial regulations and may:

• Report suspicious activities
• Freeze accounts under investigation
• Share information with regulatory authorities
• Implement required security measures

9.2 User Verification

We maintain robust verification procedures including:

• Identity verification
• Source of funds verification
• Transaction monitoring
• Periodic account reviews

10. Changes and Termination

10.1 Agreement Modifications

We reserve the right to modify this Agreement at any time. Changes will be effective upon posting to our website with reasonable notice to users.

10.2 Service Termination

We may terminate or suspend access to our Services immediately, without prior notice, for:

• Violation of this Agreement
• Suspicious activity
• Regulatory requirements
• Risk management purposes

11. Governing Law

This Agreement is governed by and construed in accordance with the laws of Texas, United States, without regard to its conflict of law principles.

12. Contact Information

For questions about this Agreement or our Services, contact us at: info@divindi.tech

13. Acknowledgment

By using our Services, you acknowledge that you have read, understood, and agree to be bound by this Agreement.