🌴 Palma Wallet Privacy Policy

Last Updated: January 2025

1. Introduction

Welcome to Palma Wallet ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.

By using Palma Wallet, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

2.1 Information You Provide to Us

Account Information: When you create an account, we collect:
- Phone number (for verification)
- Email address
- Name
- Profile photo (if provided)
- Authentication provider information (Google, Apple, or Phone)
Wallet Information:
- Cryptocurrency wallet addresses (Ethereum and TRON)
- Public keys
- Transaction history
- Balance information
Security Information:
- PIN code (stored securely on your device)
- Encrypted backup passwords
- Device authentication data

2.2 Information Collected Automatically

Device Information:
- Device type and model
- Operating system version
- App version
- Language preferences
Location Information:
- We use your location (Cape Coral, Florida, US) for location-specific features and regulatory compliance
- This information is used to provide localized content and comply with regional regulations
Usage Information:
- Features used within the app
- Transaction patterns (anonymized)
- App performance data

3. How We Use Your Information

Purpose	Data Used
Account creation and management	Name, email, phone number, authentication data
Transaction processing	Wallet addresses, transaction amounts, recipient information
Security and fraud prevention	Device information, transaction patterns, authentication data
Customer support	Account information, transaction history, support chat logs
Legal compliance	KYC/AML data, transaction records, location information
Service improvement	Usage analytics, performance data

4. Data Storage and Security

4.1 Where We Store Your Data

AWS Infrastructure: Your data is stored on Amazon Web Services (AWS) servers located in the Africa (Cape Town) region (af-south-1)
Local Device Storage: Sensitive information like your PIN and private keys are encrypted and stored locally on your device
Encrypted Storage: We use industry-standard encryption for all sensitive data

4.2 Security Measures

Encryption: All sensitive data is encrypted using AES-256-GCM encryption
Key Management: We use AWS Key Management Service (KMS) for secure key storage
Authentication: Multi-factor authentication and biometric security options
Private Keys: Your private keys never leave your device unencrypted
Backup Security: Wallet backups are password-protected and encrypted

5. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information. We may share your information only in the following circumstances:

Service Providers: With third-party vendors who assist in providing our services (e.g., SMS verification, blockchain infrastructure)
Legal Requirements: When required by law, court order, or government request
Protection of Rights: To protect our rights, privacy, safety, or property
Business Transfers: In connection with a merger, acquisition, or sale of assets
With Your Consent: When you explicitly agree to share your information

6. Third-Party Services

Our app integrates with the following third-party services:

Service	Purpose	Data Shared
Google Sign-In	Authentication	Email, name, profile photo
Apple Sign-In	Authentication	Email, name (if provided)
SMS Verification	Phone number verification	Phone number
CoinMarketCap API	Cryptocurrency market data	No personal data shared
Blockchain Networks	Transaction processing	Public wallet addresses, transaction data

7. Your Rights and Choices

7.1 Access and Control

You have the right to:

Access your personal information
Update or correct your information
Delete your account and associated data
Export your transaction history
Opt-out of non-essential communications

7.2 Data Retention

We retain your account information for as long as your account is active
Transaction records are retained for 7 years for legal compliance
Deleted accounts have personal information removed within 30 days, except where legally required

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from the laws of your country. We ensure appropriate safeguards are in place to protect your information.

9. Children's Privacy

Palma Wallet is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children under 18. If we learn we have collected information from a child under 18, we will delete that information promptly.

10. Updates to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

Posting the new Privacy Policy on this page
Updating the "Last Updated" date
Sending you an in-app notification for material changes

11. Contact Information

Palma Technologies

Email: privacy@palmawallet.com

Support: support@palmawallet.com

Address: Cape Coral, Florida, United States

In-App Support: Access our support chat feature within the app

12. Data Protection Officer

For privacy-related inquiries, you can contact our Data Protection Officer at dpo@palmawallet.com

13. Regulatory Compliance

Palma Wallet complies with applicable data protection regulations including:

General Data Protection Regulation (GDPR) for European users
California Consumer Privacy Act (CCPA) for California residents
Nigeria Data Protection Regulation (NDPR) for Nigerian users
Other applicable regional privacy laws

14. Cookies and Tracking

Our mobile application does not use cookies. We use analytics tools that respect user privacy and do not track users across apps or websites.

15. Your Consent

By using Palma Wallet, you consent to our Privacy Policy and agree to its terms. If you do not agree to this policy, please do not use our services.