Welcome to Trad.fi, the online service of Tradfi Labs Inc. (“Trad.fi,” “we,” or “us”). Our Privacy Policy explains how Trad.fi and its affiliates collect, use, disclose, and protect information that applies to our digital lending and borrowing platform (the "Service"), and your choices about the collection and use of your information. If you do not want your information processed in accordance with this Privacy Policy in general or any part of it, you should not use our Service.
To deliver the best possible Service, Trad.fi may collect the following information:
We may collect information from third parties relating to you or your business that you did not directly provide. This includes credit report information from consumer and/or commercial bureaus, data sharing consortia, know-your-customer (KYC), know-your-business (KYB), anti-money laundering (AML) information, and business information from our corporate affiliates.
Such data will be applied to verify the correctness of account information to deter fraud, conform to regulatory requirements, improve or effect underwriting, and ensure proper due diligence within our Service.
If you are not a Trad.fi user, we may have collected your information from social media platforms, our business network, data aggregators, or other data sources to contact you if we think Trad.fi applies to benefiting your business.
Trad.fi collects device identifiers, such as unique device IDs and hardware signatures, to help authenticate users and detect unauthorized platform access. This information is used solely for operational, compliance, and security purposes and is not sold or shared for advertising.
We also collect location data to ensure proper lien filing, comply with regulatory restrictions, and ensure alignment with our operations. This information is collected at account creation, during loan application submission, and by inferring your location from your IP address.
Trad.fi engages only trusted third-party service providers to support our platform operations, such as account funding, bank connecting, payment processing (including ACHq, Bridge.xyz, Circle, and Coinbase), hosting, analytics, underwriting, and customer communications, and we share only the minimum personal data necessary for them to perform those functions under strict contractual obligations consistent with our privacy and security standards.
We may disclose personal information to our corporate affiliates and accredited investors solely in connection with credit underwriting, fraud-detection measures, and the sale or repackaging of debt instruments; however, we exclude highly sensitive data (bank account details, credit bureau reports beyond score ranges, SSNs, home addresses, and phone numbers) from such disclosures. Trad.fi does not engage in any other “sale” of personal information under CCPA definitions and imposes explicit restrictions on secondary use or resale by our partners.
In the event of a merger, acquisition, financing, bankruptcy, or other corporate transaction involving Trad.fi (or any portion of our assets), we may transfer customer information as a business asset; in such cases, we will notify you via email and/or prominent notice on the platform of any material changes to our data-handling practices. We also share personal data when required by law or regulation and where legally necessary to enforce our agreements, protect our rights, or respond to a lawful process. In all instances, Trad.fi adheres to legal standards for confidentiality, data minimization, and security controls.
Trad.fi employs industry-standard technical and organizational safeguards via encryption of data in transit (TLS 1.2+) and at rest (AES-256), network firewalls, and role-based access controls to protect the confidentiality of your information. Access to personal data is restricted to authorized personnel and third-party processors under strict contractual obligations. We recommend that you choose a strong, unique password and require multi-factor authentication; you are responsible for safeguarding your credentials and for any activity originating from your account. Although we continually monitor and test our defenses, no system is impervious; in the event of a security incident affecting your data, we will notify you and relevant authorities promptly in accordance with applicable laws and regulatory requirements.
You can request access, correction or deletion of the data Trad.fi holds on you by contacting [email protected] although some information may not be deleted until outstanding loans, delinquencies, or defaults have been duly remedied. Some information must be retained to comply with regulatory requirements related to securities offerings and AML standards.
All information is retained for as long as is commercially reasonable and for as long as we maintain a valid purpose to do so. This includes model testing and validation as well as legal, compliance, archival, and audit purposes. For lenders and applicants to the Trad.fi investment service, information will be retained for a minimum period of 5 years from the date of last interaction with the Service.
Trad.fi is not responsible for the privacy or security practices of any external websites, platforms, or applications, even when accessible via links from our social media or Services, or for how those third parties collect, use, or disclose the information you provide to them. Your interactions with or through any third-party site, including integrations you authorize (for example, payment or document-sharing applications), are governed solely by that party’s terms and privacy policies. If you grant a third party access to your Trad.fi account or User Content, you do so at your own risk; Trad.fi does not control, endorse, or warrant any aspect of their operations or data handling. This Privacy Policy applies only to information collected directly by Trad.fi through the use of our Services.
If you are a California resident, you have the right to request that Trad.fi disclose the categories and specific pieces of personal information we have collected about you, the sources of that information, the business or commercial purposes for which we use it, and the categories of third parties with whom we share it. You may also request deletion of your personal information to the extent we are not required to retain it by law. Although Trad.fi does not “sell” personal information as defined under the CCPA, you have the right to opt out of any future disclosure of personal information that could constitute a sale; to exercise this right or any other CCPA entitlement, please contact us at [email protected]. We will not discriminate against you for exercising any CCPA right.
In the event of a security incident that compromises the confidentiality, integrity, or availability of your personal information, we will notify you and any applicable regulatory authorities “in the most expedient time possible and without unreasonable delay,” consistent with legal requirements. Notifications will be sent to the email address you have provided or by prominent notice on our platform, and will include details regarding the nature of the breach, the types of information affected, and the steps we are taking to remediate and prevent recurrence.
Our Services are not directed to anyone under 18 years of age, and we do not knowingly collect personal information from anyone under 18. If we become aware that we have inadvertently collected personal information from a child under 18, we will promptly delete that information from our systems.
Trad.fi may revise this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material updates, we will post the revised policy on our platform with a new “Last Updated” date and, where appropriate, send you an email notification. Unless otherwise specified, changes will take effect 30 days after publication, and your continued use of our Services constitutes acceptance of the updated terms. We encourage you to review this policy periodically to stay informed about how we collect, use, and share your information.
For questions, requests, or concerns about this Privacy Policy or your personal information, please contact our Privacy & Compliance team by email at [email protected]. You may also submit written inquiries or data‐subject requests to:
We strive to respond to all privacy‐related requests within 30 days, or within any shorter timeframe required by applicable law.