Privacy Policy
Last Modified: April 10, 2022
Introduction
Maple Labs Pty Ltd ("Company" or "We") respect your privacy and are committed to protecting it through our compliance with this policy. This policy describes:
The types of information we may collect or that you may provide.
The types of information we may collect or that you may provide when you visit the website located at http://maple.finance (including any of its sub-domains or pages) (our "Website"), when you access or use the interface for interacting with the Maple Protocol (the “Protocol”) available at app.maple.finance (the "Interface"), or when you contact us via electronic media.
Our practices for collecting, using, maintaining, protecting, and disclosing that information.
This policy applies only to information we collect on our Website, on the Interface, and in email, and other electronic communications sent through or in connection with the Website or the Interface.
This policy DOES NOT apply to information that:
We collect offline or on any other Company apps or websites, including websites you may access through our Interface.
We collect through any electronic messaging service besides through the Website or email (such as apps like Telegram, Discord, Instagram, etc.).
You provide to or is collected by any third party (see Third-Party Information Collection below).
Our Website and these other third parties may have their own privacy policies, which we encourage you to read before providing information on or through them.
Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, do not access our Website or use our Interface. By accessing our Website, using or Interface, or communicating with us via email, you agree to this privacy policy. This policy may change from occasionally (see Changes to Our Privacy Policy below). Your continued use of the Website and the Interface after we revise this policy means you accept those changes, so please check the policy periodically for updates.
If you have any questions about this Privacy Policy, or would like to exercise your rights, please contact us at info@maple.finance.
Children Under the Age of 18
The Interface is not intended for children under 18 years of age, and we do not knowingly collect personal information from children under 18. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at info@maple.finance.
Information We Collect and How We Collect It
We collect information from and about users of our Interface:
Directly from you when you provide it to us.
Automatically when you access the Website or use the Interface.
Marketing
We would like to send you information about products and services that we think you may like. If you have agreed to receive marketing, you may always opt out at a later date. You have the right at any time to stop us from contacting you for marketing purposes. If you no longer wish to be contacted for marketing purposes, please contact info@maple.finance.
Information We Collect and How We Collect It
We collect information from and about users of our Interface:
Directly from you when you provide it to us.
Automatically when you access the Website or use the Interface.
Information You Provide to Us
When you use the Interface, we may ask you provide information. This information includes:
Information that you provide by filling in forms in the Interface. This includes information provided at the time of submitting any transactions through the Interface or solicitations of certain types of interactions with other users, and your MetaMask or similar Web3 software or service (including any information typically transmitted by such) (“Web3 Service”). We may also ask you for information when you report a problem with the Interface.
Records and copies of your correspondence (including email addresses and phone numbers) if you contact us.
Your responses to surveys that we might ask you to complete for research purposes.
Details of transactions with the Protocol you carry out through the Interface.
Available information on an underlying blockchain, including, without limitation, your public blockchain address (but excluding any private keys), account balances, crypto-asset holdings, blockchain transaction history, interaction history with smart contracts or “decentralized applications,” or any data included in a data field associated with your public blockchain address transactions (“Blockchain Identifiers”). For more information about blockchain information in general, see the subsection titled “Important Note About Public Blockchains” below.
Aside from Blockchain Identifiers and IP Addresses, we do not collect any information by which you may be individually identified through our Website or Interface.
You may also provide information for publication or display ("Posted") on public areas of the Website or Interface (collectively, "User Contributions"). Your User Contributions are Posted and transmitted to others at your own risk. Additionally, we cannot control the actions of third parties with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons. This paragraph (and this policy generally) does not apply to information provided by borrowers specifically for the purposes of soliciting or servicing liquidity provided through the Protocol, which may be subject to the Maple Protocol Master Loan Agreement, a related Loan Confirmation, or another document separately executed by the borrower. Further, this paragraph (and this policy generally) does not apply to information specifically supplied (as required or appropriate) by prospective pool delegates who are considering fulfilling such a role within Maple.
Information Collected Automatically
When you access the Website or use the Interface, we may use technology to automatically collect:
Usage Details. When you access and use the Interface, we may automatically collect certain details of your access to and use of the Interface, including traffic data, generalized location data, logs, and other communication data and the resources that you access and use on or through the Interface.
Device Information. We may collect information about your device and internet connection, including the device's unique device identifier, IP address, operating system, browser type, or network information.
Blockchain Identifiers and Web3 Service Information. We may collect Blockchain Identifiers and information provided by your Web3 Service (as is standard according to its typical behavior).
If you do not want us to collect this information, do not access the Website or use the Interface. For more information, see the section titled “Your Choices About Our Collection, Use and Disclosure of Your Information” below.
Information Collection and Tracking Technologies
The technologies we use for automatic information collection may include:
Cookies (or mobile cookies). A cookie is a small file placed on your device. It may be possible to refuse to accept cookies by activating the appropriate setting on your browser or device. However, if you select this setting, certain functionalities may not be possible through our Interface. For more information, please seek our Cookie Policy.
Third-Party Information Collection
When you access the Website or its content, certain third parties may use automatic information collection technologies to collect information about you or your device. These third parties may include:
Analytics companies.
Your device manufacturer.
Your service provider.
When you use the Interface, certain third parties may use automatic information technologies to collect information about your on-chain activities. These third parties may include:
Blockchain explorers.
Decentralized infrastructure providers.
Your Web3 Service.
Any DAO or other entity that controls, interacts with, or provides services related to the Protocol (including pool delegates and other members of the Maple ecosystem).
Any other party with access to the underlying blockchain.
These third parties may use tracking technologies to collect information about you when you use the Website or the Interface. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites, apps, and other online services websites. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.
We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible party directly.
Important Note About Public Blockchains
Information stored on a blockchain may be public, immutable, and not easily removed or deleted. Your transactions and addresses may reveal information about you, and information can potentially be correlated now or in the future by any party who chooses to do so, including law enforcement. We do not control how other parties may use this information and cannot provide you any protection related to such information. Use our Interface at your own risk!
How We Use Your Information
We use information that we collect about you or that you provide to us, including Blockchain Identifiers and IP Addresses, to:
Provide you with the Interface and its contents, and any other information, products, or services that you request from us.
Fulfill any other purpose for which you provide it.
Carry out our obligations, such as legal and regulatory requirements, and enforce our rights arising from any contracts entered into between you and us.
Provide technical support.
Detect, prevent, and address fraud, breach of Terms, and threats or harm. Protect the security and integrity of the Website and Protocol.
Notify you when Interface updates are available, and of changes to any products or services we offer or provide though it.
Contribute to the facilitation and operation of the Protocol.
The usage information we collect helps us to improve our Website and Interface and to deliver a better and more personalized experience by enabling us to:
Estimate our audience size and usage patterns.
Store information about your preferences, allowing us to customize our Interface according to your individual interests.
Recognize you when you use the Interface.
We may use information that does not identify you for any purpose except as prohibited by applicable law. For more information on your rights, see Your Choices About Our Collection, Use, and Disclosure of Your Information below.
Disclosure of Your Information
We may disclose aggregated information about our user, and information that does not identify any individual or device, without restriction, except as prohibited by applicable law.
In addition, we may disclose personal information that we collect or you provide:
To our subsidiaries and affiliates.
To professional advisors, **** contractors, service providers, and other third parties we use to support our business.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Interface users is among the assets transferred.
To fulfill the purpose for which you provide it. For example, if you give us an email address to use a "email a friend" feature of our Website or Interface, we will transmit the contents of that email and your email address to the recipients.
For any other purpose disclosed by us when you provide the information.
With your consent.
To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
To enforce our rights arising from any contracts entered into between you and us, including (without limitation) the Website Terms of Use.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of our entities, the Maple DAO, the Protocol, our users, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and scam deterrents.
How We Protect Your Information
We take reasonable administrative and technical security safeguards to secure your personal information. We have implemented security measures to reduce risk from loss, theft, misuse, unauthorized access, destruction, modification of your information, or disclosure of your information. However, no system or network can be completely secure, and transmission via the internet is not without risk. As such, as we cannot guarantee the security of user information.
Your Choices About Our Collection, Use, and Disclosure of Your Information
We strive to provide you with choices regarding the personal information you provide to us. This section describes mechanisms we provide for you to control certain uses and disclosures of over your information.
Tracking Technologies. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies or block the use of other tracking technologies, some parts of the Interface may then be inaccessible or not function properly. For more information on this, see our Cookie Policy.
We do not use your information for advertising purposes beyond that normally and reasonably expected through the use of the Interface. We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way.
If you are a resident of the European Economic Area or the United Kingdom, you have the following rights: 1) the right to request copies of your personal data; 2) the right that we correct any information you believe is inaccurate, or complete information you believe is incomplete; 3) the right to request that we delete your data (under certain conditions); 4) the right to restrict or object to processing of your personal data (under certain conditions); and the right to request that we transfer your data to another organization or directly to you. To make a request, please contact us at info@maple.finance or Maple Labs Pty Ltd, c/o Valles Accountants, 452 Flinders Street, Melbourne Vic 3000, Australia. We will respond to your request within thirty days. Note that we cannot edit or delete information on the blockchain, and this may include transaction data.
Changes to Our Privacy Policy
We may update our privacy policy from time to time. If we make material changes to how we treat our users' personal information, we will post the new privacy policy on this page.
The date the privacy policy was last revised is identified at the top of the page. You are responsible for periodically visiting this privacy policy to check for any changes.
Contact Information
To ask questions or comment about this privacy policy and our privacy practices, contact us at info@maple.finance or Maple Labs Pty Ltd, c/o Valles Accountants, 452 Flinders Street, Melbourne Vic 3000, Australia.
Additional Disclosures for California Residents
The California Consumer Privacy Act of 2018 (“CCPA”) provides additional rights regarding the information we collect, including rights to know, delete, and opt-out. Further, businesses collecting or disclosing personal information must provide notices and means to exercise consumer rights.
As enumerated in the CCPA, we collect internet activity and geolocation data of visitors to the Website. For further details on collection, please see Information We Collect and How We Collect It above.
Other Requests
As part of the CCPA, you may request the following:
Categories of personal information we have collected about you, and sources of that personal information;
The specific pieces of personal information we have collected;
The categories of personal information about you we disclosed for a business purposes, and the categories of third parties who received that information; and
The commercial or business purpose for that collection or sale.
You also have the right to request deletion of any of that information. To make these requests, please contact us at info@maple.finance or Maple Labs Pty Ltd, c/o Valles Accountants, 452 Flinders Street, Melbourne Vic 3000, Australia. Please specify the scope of your request, and what right it pertains to. We may ask for additional identify verficiation.
You may designate an “authorized agent” to submit on your behalf, but we require written evidence of that agent’s right to act on your behalf.
Non-Discrimination
We will not discriminate against you for exercising any of your rights. This includes but is not limited to non-discrimination regarding the denial of our services, our rates, and our level of service.
Other California Privacy Rights
California’s “Shine the Light” law (Civil Code Section 1798.83) provides that California resident users of the Website may request certain information regarding our disclosure of information to third parties. This includes a list of the categories of personal information disclosed by us to third parties for direct marketing purposes, and a list of the categories of third parties themselves. To exercise such a request, please contact us at info@maple.finance or Maple Labs Pty Ltd, c/o Valles Accountants, 452 Flinders Street, Melbourne Vic 3000, Australia.\
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