This Privacy Policy explains how barkoscial collects, uses, and protects your personal information when you access our decentralized social banking platform and related services.
Effective date: 1 January 2026Last updated: 1 June 2026
We collect personal information you provide directly: name, email address, wallet address, and identity verification documents (KYC).
We automatically collect usage data including IP address, browser type, device identifiers, pages visited, and transaction metadata on our platform.
We may collect on-chain data associated with wallet addresses you connect to barkoscial.
2. How We Use Your Data
To provide, operate, and improve barkoscial's decentralized financial services and social features.
To comply with legal obligations including AML/KYC requirements, fraud prevention, and regulatory reporting.
To send service notifications, security alerts, and, where you have consented, marketing communications.
3. Cookies & Tracking
We use strictly necessary cookies to maintain session security and platform functionality.
Analytics cookies (e.g., aggregated usage statistics) are deployed only with your explicit consent via our cookie banner.
You may manage or withdraw cookie consent at any time through our Cookie Preferences panel.
4. Third-Party Sharing
We share data with service providers (cloud hosting, analytics, KYC verification) under strict data processing agreements.
We do not sell your personal data. We may disclose information to regulators or law enforcement when legally required.
Blockchain transactions are inherently public; on-chain data shared with decentralized protocols is outside our control.
5. Your Rights (GDPR / CCPA)
EU/EEA residents: right to access, rectify, erase, restrict processing, data portability, and to object to processing.
California residents: right to know, delete, correct, and opt out of the sale or sharing of personal information.
To exercise any right, submit a verified request to [email protected]. We respond within 30 days.
6. Data Retention
We retain personal data only as long as necessary to fulfill the purposes described in this Policy.
KYC and transaction records are retained for a minimum of 5 years to comply with financial regulations.
Upon account deletion, non-regulatory data is purged within 90 days.
7. Security
We implement AES-256 encryption at rest, TLS 1.3 in transit, and multi-factor authentication for all accounts.
We conduct regular third-party security audits and penetration tests of our infrastructure and smart contracts.
No method of transmission over the internet is 100{ab195e539ee01a18f99294babbb151a8141a8f445fa5f9558ed0336658d0fa6e} secure; we notify affected users promptly in the event of a breach.
8. Children's Privacy
barkoscial is not directed to individuals under the age of 18.
We do not knowingly collect personal data from minors. If we become aware of such collection, we will delete it immediately.
9. Changes to This Policy
We may update this Privacy Policy periodically. Material changes will be communicated via email or a prominent notice on the platform.
Your continued use of barkoscial after the effective date of any update constitutes acceptance of the revised Policy.
10. Contact Us
Data Controller: barkoscial Ltd., 22 Fintech Quarter, London, EC2V 8RT, United Kingdom.
By using barkoscial, you acknowledge that you have read and understood this Privacy Policy. For questions, requests, or complaints, contact us at [email protected]. Additional legal information is available in our Terms of Service and Cookie Policy.
barkoscial
Social Finance, Decentralized for Everyone. Banking on the blockchain — built for communities, not corporations.