Legal

Privacy Policy

Date: September 2, 2026

This privacy notice for Nika Finance Inc. (“Nika,” “we,” “us,” or “our”) describes how and why we might collect, store, use, and/or share (“process”) your information when you use our website, web application, iOS and Android applications, non-custodial wallet software, APIs, features, products, content, communications, programs, and related services (collectively, the “Services”).

By using our Services, or by accessing our website at nika.finance or our applications, you expressly accept and consent to this Privacy Policy. Your use of the Services is also subject to our Terms of Service and any applicable feature-specific terms or third-party provider terms.

1. Information We Collect

The information we collect depends on how you interact with the Services, the features you use, the choices you make, and the requirements of applicable law and third-party providers.

1.1 Information You Provide

We may collect information that you provide directly, including:

your name, email address, phone number, and other contact details;
account, authentication, login, and profile information;
usernames, display names, profile images, biographies, social-media usernames, and other profile or Account Content;
information from third-party login or authentication providers when you choose to use them;
wallet addresses, account identifiers, referral identifiers, and other identifiers you connect to the Services;
information included in support requests, emails, feedback, surveys, applications, forms, and other communications;
information relating to your participation in referral, affiliate, XP, loyalty, cashback, trading-reward, fee-rebate, promotional, or other programs;
information you provide when participating in social, community, leaderboard, portfolio, alert, copy-trading, or similar features; and
any other information you choose to provide to us.

1.2 Wallet, Blockchain, and Transaction Information

When you connect or use a wallet, we may process wallet addresses, public blockchain data, transaction hashes, token balances, transfers, approvals, smart-contract interactions, positions, orders, trade activity, public market activity, timestamps, network information, and related metadata.

Blockchain networks are public and decentralized. Information recorded on a blockchain may be publicly visible, permanently recorded, and accessible by anyone. Blockchain data may be copied, analyzed, linked to other information, or associated with you by Nika, third-party providers, analytics companies, other users, or members of the public. Nika generally cannot modify, delete, restrict, or erase information recorded on a public blockchain.

Nika does not ordinarily collect or store your private keys, seed phrases, or recovery phrases. Wallet credentials and key material may be generated, encrypted, managed, displayed, exported, or recovered through your device or independent wallet, authentication, or key-management providers. Those providers may process information under their own privacy policies.

1.3 Information Collected Automatically

When you visit, access, or use the Services, we and our service providers may automatically collect information such as:

IP address, approximate location, country or region, and network information;
browser type, operating system, device type, device identifiers, app version, language, time zone, and screen or technical characteristics;
referring URLs, pages viewed, screens visited, features used, buttons selected, links clicked, session information, and usage patterns;
transaction, portfolio, market, performance, and interaction events generated through the Services;
crash reports, diagnostic information, error logs, performance information, and security events; and
information collected through cookies, pixels, local storage, software development kits, device identifiers, web beacons, and similar technologies.

1.4 Information from Third Parties

We may receive information from independent third parties, including wallet and authentication providers, blockchain networks, protocols, trading venues, prediction-market providers, yield providers, fiat on-ramp and off-ramp providers, analytics providers, fraud-prevention providers, marketing and attribution providers, social platforms, communications providers, and other service providers.

This information may include wallet and transaction data, account or login information, device or usage information, referral and attribution information, fraud or risk signals, and information relating to your interactions with those third parties.

1.5 Information from Social and Interactive Features

If you use features that allow communication or interaction with other users, we may process your profile information, usernames, social-media usernames, content, messages, comments, feedback, preferences, and related activity.

Some information may be displayed to other users or made publicly available through the Services based on your settings, the feature design, or your actions. Information that you choose to publish or share may be copied, retained, or redistributed by other users or third parties.

1.6 Information from Communications and Community Channels

If you communicate with us or participate in a Nika-related community or channel, we may process your contact details, messages, submissions, usernames, attachments, feedback, and related metadata. Communications or community features may be provided through independent platforms, and those platforms may separately process information under their own privacy policies.

2. How We Use Information

We may use personal information to:

provide, operate, maintain, secure, and improve the Services;
create, authenticate, manage, and support accounts, wallets, profiles, and connected services;
provide interfaces for user-directed blockchain transactions and interactions with third-party protocols and providers;
display balances, transaction history, market data, portfolio information, positions, rankings, alerts, analytics, social activity, and other requested features;
provide and administer social, community, portfolio, leaderboard, referral, affiliate, XP, loyalty, cashback, trading-reward, fee-rebate, promotional, and similar programs;
calculate, attribute, verify, distribute, restrict, reverse, or investigate rewards, referrals, XP, affiliate payments, rebates, and other program benefits;
provide alerts, notifications, communications, customer support, and responses to requests or feedback;
personalize and improve the Services, including recommendations, suggested content, feature presentation, and user experience;
operate, evaluate, and improve AI-enabled, research, portfolio, market-analysis, automation, and other software features;
analyze usage, performance, trends, security events, and the effectiveness of marketing and promotional campaigns;
provide marketing, advertising, attribution, and promotional communications where permitted by law and consistent with your choices;
detect, investigate, prevent, and respond to fraud, abuse, manipulation, security incidents, unauthorized activity, and other harmful or unlawful conduct;
enforce our Terms of Service, other agreements, policies, and provider requirements;
comply with applicable law, legal process, regulatory requirements, sanctions obligations, and governmental requests;
protect the rights, property, safety, and security of Nika, our users, our service providers, and others;
evaluate or complete a merger, financing, acquisition, reorganization, bankruptcy, sale of assets, or similar transaction; and
perform other purposes disclosed when information is collected or with your consent.

3. Cookies and Similar Technologies

We may use cookies and similar tracking technologies, such as web beacons and pixels, to access or store information.

Most web browsers and some mobile operating systems and applications include a Do-Not-Track (“DNT”) feature or setting that you can activate to signal your privacy preference regarding online browsing activity. No uniform technology standard for recognizing and implementing DNT signals has been finalized. Accordingly, we do not currently respond to DNT browser signals or other mechanisms that automatically communicate your choice not to be tracked online. If a standard is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Policy.

4. How We Share Information

We may disclose personal information in the following circumstances:

4.1 Service Providers

We may share information with vendors, contractors, agents, and service providers that perform services for us or on our behalf, including hosting, infrastructure, wallet and authentication functionality, analytics, security, communications, customer support, marketing, attribution, fraud prevention, software development, AI-enabled features, and other business functions. These providers may process information on our behalf or as otherwise described in their own privacy policies.

4.2 Third-Party Websites, Platforms, Protocols, and Providers

When you use a feature that links to, integrates with, or relies on an independent third-party website, application, platform, protocol, network, smart contract, wallet, data source, or provider, relevant information may be transmitted to or collected by that third party. This may include wallet addresses, public blockchain data, account or login information, device information, usage data, referral or attribution data, communications, and other information necessary to provide or secure the feature.

Third parties may include wallet and authentication providers, blockchain networks, protocols, trading venues, prediction-market providers, yield providers, fiat on-ramp and off-ramp providers, analytics providers, communications and social platforms, and software providers.

Your use of a third-party service is governed by that provider’s terms and privacy policy. Nika does not control and is not responsible for the privacy, security, collection, use, or disclosure practices of independent third parties.

4.3 Public Blockchain Networks and Public Features

Information you submit to a public blockchain network or publish through a public or social feature may be visible to other users, the public, third-party analytics providers, and other participants. Public blockchain information may remain available permanently and may not be capable of deletion by Nika.

4.4 Legal, Compliance, and Safety Disclosures

We may disclose information when reasonably necessary to comply with law, regulation, legal process, subpoena, court order, governmental request, sanctions requirement, or provider requirement; to investigate or prevent fraud, abuse, security incidents, or unlawful conduct; or to protect the rights, property, safety, and security of Nika, our users, service providers, or others.

4.5 Business Transfers

Personal information may be disclosed or transferred in connection with a merger, financing, acquisition, reorganization, bankruptcy, sale of assets, change of control, or similar transaction.

4.6 Your Direction or Consent

We may disclose information when you direct us to do so, request that we do so, authorize a feature to do so, or otherwise consent to the disclosure.

4.7 Aggregated and De-Identified Information

We may use and disclose aggregated, statistical, or de-identified information that cannot reasonably be used to identify you. We do not sell personal information for monetary consideration. Depending on the technologies and services used, certain disclosures for advertising, attribution, or analytics may nevertheless be treated as “sharing” or a similar activity under applicable privacy laws.

5. Third-Party Websites, Platforms, and Services

The Services may link to, integrate with, embed, or rely on third-party websites, applications, protocols, platforms, networks, and providers. This includes communication and social platforms such as Telegram, Discord, and similar services.

Nika does not control those third parties or their privacy and security practices. Information collected by a third party is governed by that third party’s privacy policy and terms, not this Privacy Policy. You should review the privacy practices of each third party before using its services or providing information.

6. Social Logins and Authentication

The Services may allow you to register, authenticate, or log in through independent providers, including social, email, device, or other authentication services. If you use such a provider, we may receive information such as your name, email address, profile image, account identifier, authentication status, or other information that the provider makes available based on your settings.

We use information received through authentication providers for the purposes described in this Privacy Policy. The provider may separately collect and use information under its own privacy policy. Nika does not control the provider’s independent use of your information.

7. AI-Enabled and Automated Features

The Services may include AI-enabled, automated, research, portfolio, market-analysis, optimization, recommendation, or conversational features. If you use those features, we may process your prompts, instructions, questions, feedback, account and wallet information, portfolio and transaction context, market information, preferences, and related usage data to provide, secure, evaluate, and improve the features.

Certain AI-enabled features may use independent technology or service providers. Information provided to or processed by those providers may be subject to their separate terms and privacy policies. You should not submit sensitive information that is not necessary to use an AI-enabled feature.

8. Data Security

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information-storage technology can be guaranteed to be completely secure. Although we will do our best to protect your personal information, transmission of personal information to and from the Services is at your own risk. You should only access the Services within a secure environment.

You are responsible for maintaining the security of your devices, accounts, authentication methods, wallets, private keys, seed phrases, recovery credentials, and connected services.

If we determine that a security incident requires notice under applicable law, we will provide notice as required by law.

9. Data Retention

We retain personal information for as long as reasonably necessary to provide the Services, administer accounts and programs, communicate with you, comply with legal and regulatory obligations, resolve disputes, enforce agreements, prevent fraud and abuse, maintain business records, and protect our rights and the rights of others.

Retention periods may vary depending on the type of information, the purpose for which it was collected, legal requirements, provider requirements, security needs, and whether the information is necessary to establish, exercise, or defend legal claims.

Information recorded on public blockchain networks, including wallet addresses, transaction hashes, transfers, balances, positions, and smart-contract interactions, may be permanent and cannot generally be modified or deleted by Nika. Deletion requests do not apply to information that has already been recorded on a public blockchain or independently copied by third parties.

10. International Transfers and Legal Bases

We may transfer, process, and store personal information in the United States and other jurisdictions where privacy laws may differ from those in your country or region. Where required by applicable law, we use appropriate safeguards for cross-border transfers.

Where applicable law requires a legal basis for processing, we may rely on:

performance of a contract or steps taken at your request before entering into a contract;
compliance with legal obligations;
our legitimate interests in operating, securing, improving, and promoting the Services, preventing fraud and abuse, and managing our business;
your consent; or
protection of vital interests.

11. Your Privacy Rights and Choices

Depending on your jurisdiction and subject to applicable law, you may have the right to:

access or obtain a copy of personal information we maintain about you;
correct inaccurate or incomplete personal information;
request deletion of personal information we maintain about you;
request restriction of or object to certain processing;
receive personal information in a portable format;
withdraw consent where processing is based on consent;
opt out of marketing communications by using the unsubscribe mechanism or contacting us;
opt out of certain targeted advertising, sale, or sharing activities where applicable law provides that right; and
appeal a decision concerning a privacy-rights request where applicable law provides an appeal right.

We may need to verify your identity and authority before responding to a request. We may deny or limit a request where permitted or required by law, including where responding would adversely affect the rights of others, compromise security, violate legal obligations, interfere with fraud prevention, or require deletion of information that Nika is not able to delete from a public blockchain.

To exercise privacy rights or ask questions about this Privacy Policy, contact us at [email protected]. We will process and respond to verifiable requests within the time required by applicable law.

12. California Residents

If you are a California resident, you may have rights under the California Consumer Privacy Act, as amended, the California “Shine the Light” law, and other applicable California law.

California law may allow you to request information about categories of personal information, if any, that we disclosed to third parties for direct-marketing purposes during the preceding calendar year, together with information about those third parties. If you are under 18, reside in California, and have a registered account, you may also request removal of certain unwanted information that you publicly posted through the Services. We will take reasonable steps to remove such information from public display on the Services, but it may remain in backups, blockchain records, or copies maintained by others.

We may collect additional information when you contact support, participate in surveys or contests, provide feedback, or otherwise interact with us in connection with providing the Services.

We may disclose personal information to service providers under written agreements for business purposes. We do not sell personal information for monetary consideration. Our use of personal information for internal business purposes, including research and technological development, is not a sale of personal information.

Depending on applicable law, California residents may have rights to request deletion, correction, access to categories and specific pieces of personal information, information about the purposes and categories of collection and disclosure, information about whether personal information is sold or shared, information about relevant third parties, limits on certain uses of sensitive personal information, and equal treatment for exercising privacy rights. We may require information reasonably necessary to verify your identity and authority. An authorized agent may submit a request on your behalf, but we may require proof of authorization.

To exercise these rights or submit a privacy request, contact us at [email protected].

13. Virginia Residents

If you are a Virginia resident, you may have rights under the Virginia Consumer Data Protection Act and other applicable law, including the right to access, correct, delete, obtain a portable copy of, or object to certain processing of personal data, and the right to opt out of targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects.

You may submit a request by contacting [email protected]. We may require reasonable information to verify your identity or authority. If we decline to act on a request, you may appeal our decision by contacting us at the same address. We will respond to an appeal within the time required by applicable law.

14. Children

The Services are not directed to children under 18 years of age. By using the Services, you represent that you are at least 18 years of age or that you are the parent or guardian of a minor and consent to such minor’s use of the Services. We do not knowingly solicit data from or market to children under 18 years of age.

If we learn that personal information from a person under 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such information from our records, subject to legal, security, operational, and blockchain-related limitations. If you believe we have inadvertently collected information from a child, please contact us at [email protected].

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated date and will become effective as soon as it is accessible. If we make material changes, we may notify you by prominently posting a notice or by directly sending you a notification, or through another appropriate channel where required by law. We encourage you to review this Privacy Policy frequently to stay informed about how we are protecting your information.

16. Contact

If you have questions or comments about this notice, you may contact us at [email protected].