Privacy Policy
Last updated: February 2026. This policy describes how FreshCredit\u00AE Inc collects, uses, and protects your information.
Information We Collect
FreshCredit® Inc collects information you provide directly, such as account registration details, identity verification data, and communication preferences. We also collect usage data automatically, including device information, IP addresses, and interaction patterns with our infrastructure.
How We Use Your Information
We use collected information to operate and improve the FreshCredit Ecosystem™, provide BlockID™ identity verification, power BlockScore™ credit model infrastructure, and facilitate BlockIQ™ marketplace transactions. We do not sell your personal data to third parties.
Self-Custody & Edge Storage
FreshCredit®’s architecture is built on self-custody principles. Your credit data and identity credentials are stored at the edge under your control via the FreshCredit App™. We do not maintain centralized custody of your personal financial data. Providers who build on our infrastructure access only the data you explicitly authorize.
Data Sharing with Providers
When you interact with providers on the FreshCredit Ecosystem™, data is shared only as authorized by you and as necessary to complete the requested service. Provider access is governed by Master Licensing & Services Agreements (MLSAs) and subject to SOC 2, PCI DSS, and applicable regulatory standards.
Security
We implement industry-standard security measures including memory-safe Rust architecture per the White House ONCD Initiative, zero-knowledge proof verification, encrypted communications, and immutable audit trails on Substrate. Our infrastructure is designed for SOC 2 and PCI DSS compliance.
Regulatory Compliance
FreshCredit® Inc complies with GDPR, CCPA, CalOPPA, and applicable data protection regulations. You have the right to access, correct, delete, and port your data. For data rights requests, contact hello@freshcredit.com.
Cookies & Tracking
We use essential cookies for authentication and security. Analytics cookies are used with your consent to improve our services. You may disable non-essential cookies through your browser settings without affecting core functionality.
Changes to This Policy
We may update this privacy policy from time to time. Material changes will be communicated via the FreshCredit App™ and on this page. Continued use of our services after changes constitutes acceptance of the updated policy.
Contact
For privacy inquiries, contact us at hello@freshcredit.com. For general inquiries, visit freshcredit.com/contact or email hello@freshcredit.com.