Last updated: 24 September 2025

Nika Finance Inc. (“Nika,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the information we collect in connection with our website, mobile applications, smart contracts, and related services (collectively, the “Services”). This Privacy Policy explains how we collect, use, share, and safeguard your information. Use of the Services is subject to this Privacy Policy as well as our Terms of Service.

1. Information We Collect

We may collect the following types of information when you use the Services:

Information you provide directly

• Contact information such as your email address when you join our waitlist, subscribe to communications, or contact support.
  
  
• Content of communications when you correspond with us via email, forms, or community channels.
  
  
• Responses to surveys, feedback requests, or promotional activities.
  
  
• Information you may choose to provide in job applications or other submissions.
  
  

Information collected automatically

• Blockchain wallet addresses you connect and related public transaction data.
  
  
• Device and technical data such as operating system, browser type, IP address, device identifiers, and crash logs.
  
  
• Usage information such as pages visited, features used, referral sources, and in-app activity.
  
  
• Cookies, web beacons, and other tracking technologies are used to improve your experience.
  
  

Information from third parties

• Service providers, compliance vendors, or analytics partners may provide us with information related to your wallet activity, interactions with our Services, or communications.
  
  

2. How We Use Information

We use the information we collect to:

• Provide, maintain, and improve the Services.
  
  
• Facilitate blockchain transactions and interoperability features.
  
  
• Send updates, newsletters, marketing communications, and promotional materials.
  
  
• Respond to inquiries, feedback, and support requests.
  
  
• Monitor usage trends and improve functionality.
  
  
• Prevent fraud, enforce our Terms of Service, and comply with legal obligations.
  
  
• Customize and personalize your experience.
  
  
• Conduct analytics, research, and performance measurement.
  
  

3. Sharing and Disclosure of Information

We may share information we collect in the following circumstances:

• With service providers who support operations such as hosting, analytics, marketing, and customer support.
  
  
• With financial and infrastructure partners to facilitate features such as fiat on/off-ramps, liquidity providers, or compliance checks.
  
  
• For legal and regulatory reasons when required to comply with applicable laws, regulations, or valid legal processes.
  
  
• In business transactions such as mergers, acquisitions, reorganizations, or similar corporate events.
  
  
• With your direction or consent, such as when you interact with third-party platforms through our Services.

We may also share aggregated or de-identified information that cannot reasonably be used to identify you.

4. Third-Party Services

Our Services may link to, integrate with, or rely on third-party services, applications, or providers. Your use of those services is subject to their respective privacy policies and terms, and we are not responsible for their practices. We may rely on third-party providers such as cloud hosting, analytics services, compliance vendors, and fiat on/off-ramp providers. Their use of your information is governed by their own privacy policies.

‍

5. Cookies and Tracking

We and our partners may use cookies, local storage, device identifiers, and similar technologies to:

• Authenticate users.
  
  
• Remember preferences.
  
  
• Analyze usage and performance.
  
  
• Deliver marketing and promotional messages.
  
  

You may disable or manage cookies and similar tools through your browser or device settings, though some features of the Services may not function properly if you do so.

6. Analytics

We may use analytics providers to collect information about how the Services are used, such as frequency of access, performance metrics, and interaction patterns. This helps us understand and improve the Services.

7. Data Security

We take reasonable measures to protect information from unauthorized access, use, or disclosure. However, no system or transmission is completely secure. You are responsible for maintaining the security of your wallet, devices, and private keys. In the event of a security breach affecting your personal information, we will notify you and regulators as required by applicable law.

‍

8. Data Retention

We retain information for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by law. Blockchain transaction data is recorded permanently on public networks and cannot be altered or deleted by us. Certain personal data, such as blockchain wallet addresses and on-chain transactions, are recorded on public decentralized networks that we do not control. These records cannot be modified, deleted, or erased by us or by any third party.

‍

9. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your information. Subject to applicable law, these may include:

• Access – You may request a copy of the personal information we hold about you.
  
  
• Correction – You may request that we correct or update inaccurate or incomplete information.
  
  
• Deletion – You may request that we delete certain information we maintain about you, subject to legal or operational requirements.
  
  
• Restriction / Objection – You may object to or request restrictions on our processing of your information in certain circumstances.
  
  
• Marketing Preferences – You may opt out of receiving promotional communications from us by following the unsubscribe instructions included in those communications or by contacting us directly.
  
  
• Cookies & Tracking – You can manage or disable cookies and other tracking technologies through your browser or device settings.
  
  

To exercise these rights, please contact us at support@nika.finance. We may require additional information to verify your identity before fulfilling your request. Please note that we may retain certain information as required by law or for legitimate business purposes, and blockchain transaction data recorded on public networks cannot be altered or removed by us.

‍

10. International Transfers

We may transfer, process, and store information outside of your country of residence, including in the United States or other jurisdictions, where privacy laws may not provide the same protections. By using the Services, you consent to such transfers.

11. Children

The Services are intended for users over the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will update the “Last Updated” above and, where appropriate, notify you through the Services or other channels. Continued use of the Services after updates constitutes acceptance of the revised policy.

13. Contact Us

If you have any questions about this Privacy Policy, please contact us at support@nika.finance.

14. Sole Statement

This Privacy Policy is the sole statement of our privacy practices with respect to our Services. No summary, modification, restatement or other version of this Privacy Policy, or other privacy statement or policy, in any form, is valid unless we post a new or revised policy to our Website or Applications.

‍