Privacy Policy

1. Introduction

Halo Protocol (“we,” “our,” or “us”) operates the gethalo.fun website and decentralized lending circle protocol. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform. Please read this policy carefully. If you do not agree with the terms of this policy, please do not access the platform.

2. Information We Collect

2.1 Information You Provide

• Account Information: When you sign in using Google or GitHub OAuth, we receive your name, email address, and profile picture from the authentication provider.
• Wallet Addresses: When you connect a Stacks wallet (e.g., Leather, Xverse), we store your public wallet address to associate it with your account. We never have access to your private keys.
• Circle Participation: Information about lending circles you create or join, including contribution amounts and payment history.

2.2 Automatically Collected Information

• Usage Data: Browser type, operating system, pages visited, time spent on pages, and other diagnostic data.
• Session Data: Authentication tokens and session identifiers necessary for keeping you signed in.

2.3 Blockchain Data

Transactions you make through the Halo Protocol smart contracts are recorded on the Stacks blockchain and are publicly visible. This includes contributions, payouts, and credit score updates. Blockchain data is immutable and cannot be deleted.

3. How We Use Your Information

• To provide and maintain the Halo Protocol platform
• To authenticate your identity and manage your account sessions
• To associate your wallet address with your account for circle participation
• To calculate and display credit scores based on on-chain activity
• To improve and optimize the platform experience
• To communicate important updates about the protocol or your circles
• To detect and prevent fraud or abuse of the platform

4. We Do Not Sell Your Data

We do not sell, trade, or rent your personal information to third parties. We will never monetize your data. Your information is used solely to operate and improve the Halo Protocol platform.

5. Third-Party Services

We use the following third-party services that may collect information:

• Google OAuth: For authentication. Subject to Google's Privacy Policy.
• GitHub OAuth: For authentication. Subject to GitHub's Privacy Statement.
• Stacks Blockchain: Transaction data is publicly recorded on the Stacks blockchain and viewable by anyone.

6. Cookies

We use essential cookies only, required to maintain your authentication session. We do not use tracking cookies, advertising cookies, or analytics cookies. For more details, see our Cookie Policy.

7. Data Security

We implement reasonable security measures to protect your personal information, including encrypted connections (HTTPS), secure session management, and access controls. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

8. Data Retention

We retain your account information for as long as your account is active. You may request deletion of your off-chain data by contacting us. Please note that on-chain data (blockchain transactions, credit scores) is immutable and cannot be deleted or modified.

9. Your Rights

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

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your off-chain data
• Object to or restrict processing of your data
• Data portability

10. Children's Privacy

Halo Protocol is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child, we will take steps to delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the “Last updated” date. Your continued use of the platform after changes are posted constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at founder@usehalo.fun.