Privacy Policy
Introduction
Stabyl Inc. and its affiliate companies (together "Stabyl," "we," "us," or "our") are committed to protecting and respecting your privacy. When you sign up for, access, or use the Stabyl platform at www.stabyl.com, our APIs, or any related applications (collectively, the "Services"), you accept and consent to the practices described in this Privacy Policy.
We take the processing of your information seriously and will use it strictly in the manner described herein. For the purposes of this Privacy Policy, "information" refers to any confidential and/or personally identifiable data related to users of the Stabyl Services, including institutional clients, API integrators, and individual representatives.
This Privacy Policy, our Terms and Conditions, our Data Policy, and any other documents referenced herein outline the basis on which any personal data we collect from you, or that you provide to us, will be processed and used. Please read these carefully to understand our procedures and practices regarding your personal data. Your information will not be sold or rented to third parties for marketing purposes without your prior consent. In our pursuit of better service and enhanced quality, we may under limited circumstances share necessary information with third parties and partners under strict conditions (see Sections 4 and 5).
Updating This Privacy Policy
We reserve the right to revise this Privacy Policy from time to time to accommodate new features, regulatory changes, or improvements to the Stabyl Services. We will provide you with at least 30 days' prior notice of the effective date of any material revision, either via email or through a notice on our website. Your continued use of our Services after the effective date constitutes your acceptance of the revised policy. If you disagree with the revised terms, you may close your account at any time.
Third-Party Websites and Services
Any information you provide directly to a third-party merchant, partner, website, or application is not covered by this Privacy Policy. We encourage you to review the privacy policies of any third party with whom you choose to share your personal information, as we are not responsible for their privacy or security practices.
Information We Collect
Information We Collect
To use the Stabyl Services, you must provide certain information during registration, onboarding, and ongoing use of the platform. This includes, but is not limited to, your name (or authorized representative's name), business name, address, phone number, email address, and relevant identification documentation. To facilitate stablecoin transactions and fiat settlement, we may also collect financial information such as bank account details, wallet addresses, and corporate registration documents. We may request that you answer security questions or complete additional verification steps.
Information Collected Automatically
When you use the Stabyl Services on any device, we automatically collect technical information such as IP addresses, login data, browser type and version, time zone settings, operating system, device identifiers, full clickstream data (URLs visited, dates and times), page response times, download errors, and interaction data (scrolling, clicks, and similar). We collect this information to help detect unauthorized transactions, ensure security, and improve the Services.
Information from Other Sources
Stabyl verifies the information you provide to protect all users from potential fraud. We may verify your identity through third-party verification providers, regulatory databases, or partner financial institutions. We may also receive information about you from business partners, sub-contractors, analytics providers, and other service providers we work with.
Cookies and Similar Technologies
When you use the Stabyl Services or access our website, we (and our partners) may place cookies, pixel tags, or similar technologies on your device. These are used to recognize you, customize the Services, measure effectiveness, and help prevent fraud. You are free to decline cookies unless they are required for security or fraud prevention; however, declining cookies may interfere with your use of the Services.
Cookies and Similar Technologies
When you use the Stabyl Services or access our website, we (and our partners) may place cookies, pixel tags, or similar technologies on your device. These are used to recognize you, customize the Services, measure effectiveness, and help prevent fraud. You are free to decline cookies unless they are required for security or fraud prevention; however, declining cookies may interfere with your use of the Services.
Account Information
For the purposes of this Privacy Policy, "Account Information" includes, without limitation: name, business name, address, email address, phone number, username, IP address, device ID, geolocation information, wallet addresses, account numbers, account types, funding instrument details, transaction details, account preferences, identity verification records, and correspondence.
Information We Collect
Internal Uses
We collect, store, and process your information for the following purposes:
Verifying your identity, including during account creation, onboarding, and password reset processes.
Processing stablecoin transactions, fiat settlements, and provision of the Stabyl Services.
Managing, preventing, and detecting fraud, money laundering, terrorist financing, or other potentially illegal or prohibited activities.
Resolving disputes, collecting fees, and troubleshooting problems.
Detecting and remediating violations of our policies or applicable user agreements.
Providing customer support services.
Improving the Stabyl Services by customizing your experience.
Measuring the performance of our Services and improving their content and functionality.
Managing and protecting our information technology infrastructure.
Communications
We may communicate with you via email or other channels to provide requested services, resolve complaints, send transaction notifications, respond to support requests, inform you of suspected account compromise, confirm identity or account activity, conduct surveys, and investigate suspicious transactions. We may also send you service updates, product announcements, and notices required by law.
Sharing Information with Other Stabyl Users
Certain account information (such as name and business details) may be made available to other Stabyl users with whom you transact, as necessary to facilitate the transaction. Your wallet addresses, bank account numbers, and other sensitive financial information will not be revealed to counterparties except with your express permission or as required by law, regulation, or court order.
If you use third-party platforms to access or integrate with Stabyl via our API, we may share relevant account information with those platforms to facilitate the integration, subject to your authorization.
Sharing Information with Third Parties
Stabyl works with third-party service providers who enable us to offer secure, compliant, and efficient services. We will only disclose user data as needed for them to perform their services. You specifically consent to Stabyl doing the following with your information:
Disclosing necessary information to law enforcement agencies, security forces, governmental bodies, and regulatory authorities where appropriate for investigations of fraud, illegal activities, or violations of our Terms and Conditions.
Sharing necessary information with organizations that help prevent fraud, money laundering, and terrorist financing.
Disclosing necessary information in response to civil or criminal legal process.
Sharing information with third-party API integrators or partners to facilitate and maintain your integration with the Stabyl platform.
Disclosing necessary information to payment processors, auditors, compliance service providers, fraud prevention agencies, custodians, blockchain analytics providers, and other operational service providers to allow us to deliver the Stabyl Services.
In the event of a merger, acquisition, or corporate restructuring, your information may be transferred to the successor entity, which will remain bound by this Privacy Policy unless amended.
Protection of Information
Stabyl is committed to protecting the information we collect. We maintain appropriate administrative, technical, and physical safeguards, including firewalls, data encryption, access controls, and continuous monitoring, to protect your personal information from unauthorized access, disclosure, alteration, or destruction. While we strive to use commercially acceptable means to protect your data, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, to comply with legal and regulatory obligations, or to resolve disputes and enforce our agreements. You have the right to request the removal of your personal data from our systems, subject to applicable legal requirements.
Data Retention
Depending on your jurisdiction, you may have the following rights regarding your personal data:
Access: Request access to the personal data we hold about you.
Rectification: Request correction of inaccurate personal data.
Erasure: Request deletion of your personal data in certain circumstances.
Restriction of Processing: Request that we limit the processing of your personal data under specific conditions.
Data Portability: Request the transfer of your personal data in a structured, commonly used, machine-readable format.
Objection: Object to the processing of your personal data based on your particular situation.
To exercise any of these rights, please contact us using the details provided below.
Contact Us
Stabyl, Inc. Registration Address: 131 Continental Dr, Suite 305, City of Newark, County of New Castle, Delaware 19713 U.S.A.
Email: team@stabyl.com
Phone: +234 814 540 0058
Website: www.stabyl.com