Ribbitnova Inc. ("Ribbit", "we", "us", or "our") provides a non-custodial, multi-chain wallet and payments platform that includes a mobile application, browser extension, and related tools that allow users to (i) store and manage digital assets, (ii) connect to decentralized applications, (iii) use stablecoins for real-world payments via linked cards, (iv) access financial tools including staking, token swaps, indices, and NFTs, and (v) any other features made available through our software (collectively, the "Services").

This Privacy Policy (“Policy”) explains how we collect, use, store, and share personal information when you use our Services, including any websites, applications, features, or content we make available.

By using the Services, you agree to the terms of this Privacy Policy. If you do not agree, you should not use the Services.

Please also refer to the Ribbit Terms of Service, which govern your use of the Services.

1. Information We Collect

We collect limited information to operate and improve the Services. The types of information we may collect fall into three main categories:

a. Information You Provide

When you use our Services, you may choose to provide us with certain information, including:

Wallet information imported into or created through the Services
Contact details provided when you submit a support ticket or application form (e.g., email address, social handles)
Responses submitted through promotional forms, ambassador applications, surveys, or user feedback tools
Any information you voluntarily provide to us in direct communications

Ribbit does not require you to create an account, share your real name, phone number, or government-issued ID to use the core wallet functions.

b. Information Collected Automatically

We may automatically collect certain technical data when you access or use the Services, including:

IP address
Device type, OS version, and browser type
App usage logs (e.g., feature clicks, navigation flow)
Time and duration of access
Referring and exit pages
Wallet address (used to provide Services but not linked to personal identity)

This data helps us understand how users interact with the app and improve performance and reliability.

c. Information from Third Parties

We may receive limited information from third-party service providers, including:

Analytics providers that help us monitor app performance
Payment processors or card issuers involved in fiat-to-crypto services
KYC or fraud prevention services (if you access features that require identity verification)

We only use such information to enable features you actively use and to meet our legal or contractual obligations.

2. How We Use Your Information

We use the information we collect for the following purposes:

To provide, operate, and improve the Services
To respond to your inquiries, feedback, or support requests
To personalize your experience based on your activity or preferences
To enable certain features such as card payments, staking, indices, and NFT support
To communicate with you about updates, product changes, or community programs (e.g., Ribbit Rangers)
To ensure the security and integrity of the Services
To comply with legal obligations, including anti-fraud, AML, and regulatory requirements (where applicable)
To analyze usage trends and measure engagement for service improvement

We do not use your personal information for advertising or marketing without your explicit consent.

3. How We Share Your Information

We do not sell your personal information.

We may share your information only under the following circumstances:

Service Providers: We may share limited information with third-party vendors that help us operate the Services, such as infrastructure providers, analytics tools, customer support platforms, or payment processors.
Compliance Partners: If you use features that require KYC, fiat payments, or regulatory clearance, we may share your information with licensed partners for verification or compliance purposes.
Legal Obligations: We may disclose your information if required by law, regulation, legal process, or government request.
Business Transfers: In the event of a merger, acquisition, or asset sale, your information may be transferred as part of that transaction, subject to the terms of this Policy.
With Your Consent: In cases where you provide explicit consent, we may share your information for purposes not covered above.

We require all third parties to handle your information responsibly and in compliance with applicable data protection laws.

4. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information. These may include:

The right to access the information we hold about you
The right to correct inaccurate or incomplete information
The right to request deletion of your personal data
The right to restrict or object to certain processing activities
The right to withdraw consent where processing is based on consent
The right to lodge a complaint with a data protection authority

You can exercise these rights by contacting us using the details provided in the Contact Information section. We may need to verify your identity before fulfilling your request.

If you have opted into any communication or marketing lists, you may opt out at any time by following the instructions provided in the message or by contacting us directly.

5. How We Store and Protect Your Data

We use reasonable technical and organizational measures to protect the information we collect and store. These include:

End-to-end encryption for sensitive data
Secure key management within the app
Cloud-based encrypted backups (only when enabled by the user)
Strict access controls and audit logs for administrative systems
Regular monitoring for unauthorized access or suspicious activity

We store your data only as long as it is necessary for the purposes described in this Policy or as required by law. When no longer needed, we delete or anonymize the data securely.

Despite our efforts, no system can guarantee complete security. You are responsible for keeping your recovery phrase, private key, and login credentials secure and private.

6. Cookies and Tracking Tools

Ribbit may use cookies or similar technologies on its website to enhance user experience and gather limited analytics data. These tools help us understand how visitors use our site, improve navigation, and monitor performance.

The Ribbit wallet app and browser extension do not rely on cookies. However, we may use third-party tools (such as anonymized analytics) to monitor app performance or errors. These tools do not collect personal identifiers unless explicitly enabled by you.

You can manage or disable cookies through your browser settings. If you disable cookies, some parts of the website may not function as intended.

7. Children’s Privacy

The Services are not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children.

If we learn that we have collected data from someone under the age of 18 without proper consent, we will take steps to delete that information as quickly as possible.

If you believe that a child has provided us with personal information, please contact us using the details below.

8. International Users and Data Transfers

Ribbit is a global product. If you access or use the Services from outside the country where our servers are located, your information may be transferred to and processed in other countries that may have different data protection laws than your own.

Where required by applicable law, we will ensure appropriate safeguards are in place before transferring personal data, including standard contractual clauses or equivalent legal mechanisms.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements.

We encourage you to review this Policy periodically to stay informed about how your information is handled.

10. GDPR-Aligned Data Practices

Ribbit is committed to handling personal data in accordance with the principles of the General Data Protection Regulation (GDPR), regardless of where our users are located.

This means we aim to:

Collect only the data that is necessary to provide and improve our Services
Use data for clear and limited purposes
Keep your data accurate and up to date
Store data securely using appropriate technical and organizational safeguards
Allow users to access, modify, or delete their personal information where possible
Maintain transparency in how we collect, use, and share data

Contact Information

If you have any questions about this terms of agreement, you may contact us at:

Email:support@ribbitwallet.com

Official Website:https://ribbitwallet.com

Mailing Address:Ribbitnova Inc 8 The Green, Ste A, Dover, Delaware 19901