🔐 Privacy Policy – Black Vault Community

Effective Date: August 20, 2025
Last Updated: August 20, 2025

At Black Vault Community, your privacy is a top priority. This Privacy Policy explains how we collect, use, disclose, and protect your personal data in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and other relevant frameworks.

1. Information We Collect

We collect the following categories of personal data:

• Identity Data: Full name, date of birth, government-issued ID
• Contact Data: Email address, phone number, mailing address
• Financial Data: Bank account details, transaction history, crypto wallet addresses
• Technical Data: IP address, device type, browser type, operating system
• Usage Data: Pages visited, time spent, interactions, preferences
• Location Data: Geolocation based on IP or device settings

2. How We Use Your Information

We use your data to:

• Authenticate users and secure accounts
• Process transactions and provide services
• Personalize user experience and content
• Conduct analytics and improve platform performance
• Comply with legal and regulatory obligations

3. Legal Basis for Processing

We process your data under the following legal bases:

• Consent (where applicable)
• Contractual necessity
• Legal obligation
• Legitimate interest (e.g., fraud prevention, service improvement)

4. Data Sharing and Disclosure

We may share your data with:

• Service Providers: Hosting, analytics, payment processors
• Regulatory Authorities: Upon lawful request or obligation
• Community Moderators: For enforcement of community standards
• Third Parties: Only with explicit consent or legal requirement

5. Data Retention

We retain personal data for as long as necessary to fulfill the purposes outlined, or as required by law. Typically:

• Account data: Retained for the life of the account + 5 years
• Transaction data: Retained for 7 years for audit purposes

6. Your Rights

Depending on your jurisdiction, you may have rights to:

• Access and obtain a copy of your data
• Request correction or deletion
• Object to processing or request restriction
• Withdraw consent at any time
• File a complaint with a supervisory authority

7. Security Measures

We implement:

• End-to-end encryption
• Multi-factor authentication
• Regular security audits
• Role-based access controls

📄 Terms & Conditions – Black Vault Community

Effective Date: August 20, 2025
Last Updated: August 20, 2025

These Terms & Conditions govern your access to and use of the Black Vault Community platform. By registering or using our services, you agree to comply with these terms.

1. Eligibility

• Users must be 18 years or older
• Users must not be subject to sanctions or legal restrictions

2. Account Responsibilities

• You are responsible for maintaining the confidentiality of your login credentials
• You agree to notify us immediately of any unauthorized access

3. Acceptable Use

You agree not to:

• Use the platform for illegal or fraudulent activities
• Upload or distribute harmful content (e.g., malware, hate speech)
• Impersonate others or misrepresent your identity
• Violate intellectual property rights

4. Intellectual Property

• All content, trademarks, and software are owned by Black Vault or licensed to us
• You may not reproduce, distribute, or modify content without permission

5. Community Conduct

• Respectful discourse is mandatory
• Harassment, discrimination, or abuse will result in account suspension

6. Limitation of Liability

• We are not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount paid by you in the last 12 months

7. Termination

• We reserve the right to suspend or terminate accounts for violations
• You may terminate your account at any time by contacting support

8. Governing Law

These terms are governed by the laws of Delaware, USA. Disputes shall be resolved through arbitration or courts located in Delaware, USA.

⚠️ Risk Disclaimer – Black Vault Community

Effective Date: August 20, 2025
Last Updated: August 20, 2025

Participation in the Black Vault Community may involve exposure to financial, technological, and reputational risks. This disclaimer outlines those risks and your responsibilities.

1. Financial Risk

• Investments and transactions may result in loss of capital
• Cryptocurrency markets are volatile and speculative
• No guarantees are made regarding returns or outcomes

2. No Professional Advice

• Content shared by members or moderators is not financial, legal, or tax advice
• You should consult qualified professionals before making decisions

3. Technological Risk

• Platform outages, cyberattacks, or data breaches may occur
• We implement security measures but cannot guarantee absolute protection

4. User Responsibility

• You are solely responsible for your actions and decisions
• You must conduct your own due diligence before engaging in any activity

5. Third-Party Content

• We are not responsible for the accuracy or reliability of third-party links or content
• Use discretion when interacting with external resources

🛡️ AML & KYC Policy – Black Vault Community

Effective Date: August 20, 2025
Last Updated: August 20, 2025

Black Vault Community is committed to maintaining the highest standards of integrity and compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations.

1. AML Objectives

• Prevent use of our platform for money laundering or terrorist financing
• Detect and report suspicious activities
• Maintain a secure and compliant environment

2. KYC Procedures

• Identity verification using government-issued documents
• Address verification through utility bills or bank statements
• Biometric authentication (where applicable)

3. Risk-Based Approach

• Users are categorized into risk tiers based on activity and geography
• Enhanced Due Diligence (EDD) for high-risk users or large transactions

4. Transaction Monitoring

• Real-time monitoring of deposits, withdrawals, and transfers
• Flagging of unusual patterns or high-volume activity
• Automated alerts and manual reviews

5. Reporting Obligations

• Suspicious Activity Reports (SARs) filed with relevant authorities
• Cooperation with law enforcement and financial intelligence units

6. Record Keeping

• All KYC and AML records retained for a minimum of 5 years
• Secure storage with restricted access

7. Training and Audits

• Staff undergo regular AML/KYC training
• Independent audits conducted annually

8. Sanctions Compliance

• Screening against global sanctions lists (OFAC, UN, EU)
• Immediate suspension of accounts linked to sanctioned entities