Our Details

Metfolio Inc. is a corporation incorporated in the State of Delaware. This Privacy Policy applies to all users of the Metfolio platform and services within the United States. Our details are laid out on our website.

Overview

Metfolio collects and stores some of your personal information to provide you with our services and products, to operate as a company, and to help improve our services for you. We also use a number of third-party companies to carry out certain processes which may require us to share your details with them. This policy outlines the information we collect and use, how we manage it, and the context in which we share it with third parties, as well as your rights regarding how we manage your information and how to contact us if you have any queries or concerns.

By using the Metfolio Platform, you acknowledge that you have read and understood this Privacy Policy.

Information We Collect

We collect personal information about you when you interact with us and our services. Personal information means information that identifies, relates to, describes, or could reasonably be linked to you. The following information may be collected:

When You Create an Account

• Full name
• Email address
• Phone number
• Residential address

When You Use the Platform

• Date of birth, payment card details, and identity verification documents when required to use certain features of the platform
• Transaction history, including purchases, subscriptions, scrap orders, and deliveries
• Data on how you use and navigate the platform
• IP address
• Device identification, operating system, and device type
• Mobile advertising identifiers (such as IDFA or GAID) where you have not opted out
• App attribution and install data collected through our mobile measurement partner

When You Visit Our Website

• Data on how you use our website
• IP address
• Device details and browser type
• General location

When You Contact Us

• Contact information provided by you through social media, email, in-app support, or our website
• The content of your communications with us

From Third Parties

• Information about you from third-party services we use, including identity verification providers and payment processors

How We Use Your Information

We only use your personal information when we have a lawful basis to do so. Our purposes for using your information include:

• To provide our services to you, including processing gold purchases, subscriptions, scrap orders, deliveries, and vaulting
• To create and manage your Metfolio Account
• To verify your identity and carry out KYC checks as required
• To process payments through our payment provider
• To communicate with you about your account, transactions, and any service updates
• To send you marketing content where you have given your consent
• To improve, develop, and refine our platform and services
• To monitor and analyse usage trends and platform performance
• To measure the effectiveness of our advertising campaigns and attribute app installs to marketing channels
• To detect, prevent, and investigate fraud, security incidents, and illegal activity
• To comply with legal and regulatory obligations
• To protect and defend against legal claims

Marketing

Where you provide your consent, we will send you marketing content through our designated channels, such as SMS, email, and push notifications. This consent can be withdrawn at any point. If you would like to opt out of receiving marketing content, you can unsubscribe through the options available within the app, via links in our emails, or by contacting us at the email address provided below.

Third-Party Services

We share your information with third-party service providers who assist us in delivering our services. These providers are contractually obligated to use your information only for the purposes we specify and to protect your data in accordance with applicable law. The categories of third-party services we use include:

• Payment processing — to process card payments for gold purchases and subscriptions
• Payout processing — to process payments to your bank account when you place a scrap order
• Customer support — to manage support conversations and provide assistance through our platform
• Identity verification — to carry out KYC checks and verify your identity
• Analytics and attribution — to analyse platform usage, measure advertising performance, and attribute app installs to marketing channels
• Advertising — to deliver and optimise advertisements for Metfolio on third-party platforms
• Email and communications — to send transactional and marketing communications

Your information is also shared with employees of Metfolio who require access in order to provide you with our services, offer support, and operate the platform.

Sale of Personal Information

Metfolio does not sell your personal information. Metfolio does not share your personal information for cross-context behavioural advertising purposes. We have not sold or shared personal information in the preceding twelve months.

Cookies and Tracking Technologies

Our website and platform may use cookies, pixels, software development kits (SDKs), and similar tracking technologies to collect information about your usage, measure advertising effectiveness, and improve our services. These technologies may be provided by third-party analytics and advertising partners.

You can manage your cookie preferences through your browser settings. On mobile devices, you can limit ad tracking through your device settings (such as "Limit Ad Tracking" on iOS or "Opt out of Ads Personalisation" on Android).

International Data Transfers

Metfolio Inc. is part of a group of companies that includes entities in the United Kingdom and the United Arab Emirates. Your personal information may be transferred to, stored, or processed in jurisdictions outside of the United States in connection with the operation of our services and group business functions. Where such transfers occur, we take reasonable steps to ensure that your information is treated securely and in accordance with this Privacy Policy and applicable law.

Information Protection

Metfolio uses strict measures to keep your information safe. We safeguard against unauthorised access, changes, theft, and deletion of your personal data. Our security measures include:

• Incident reporting and response procedures
• Cyber security protections
• User authentication systems
• Disaster prevention and recovery
• Training protocols for all staff
• Limited access to your information on a need-to-know basis

You will be notified in the event that a data security incident affecting your personal information arises, in accordance with applicable federal and state breach notification laws.

How Long We Store Your Information

We retain your personal information for as long as is necessary to fulfil the purposes for which it was collected, including:

• Account and transaction data — retained for the duration of your relationship with Metfolio and for a period of five years following the closure of your account, to comply with legal, regulatory, and tax obligations.
• Identity verification records — retained in accordance with applicable anti-money laundering and KYC requirements.
• Marketing preferences — retained until you withdraw your consent or close your account.
• Platform usage and analytics data — retained in aggregated or anonymised form for as long as necessary for analytical purposes.

When your information is no longer required, we will securely delete or anonymise it.

Children's Privacy

The Metfolio Platform is not directed at individuals under the age of 18. We do not knowingly collect personal information from children under the age of 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete that information promptly. If you believe that a child under 13 has provided us with personal information, please contact us at the email address provided below.

Your Privacy Rights

Depending on your state of residence, you may have certain rights regarding your personal information under applicable state privacy laws, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), the Virginia Consumer Data Protection Act (VCDPA), the Colorado Privacy Act (CPA), the Connecticut Data Privacy Act (CTDPA), and the Texas Data Privacy and Security Act (TDPSA).

These rights may include:

• Right to know — the right to request information about the categories and specific pieces of personal information we have collected about you, the sources of collection, the purposes for collection, and the categories of third parties with whom we share your information.
• Right to delete — the right to request that we delete the personal information we have collected about you, subject to certain exceptions required by law.
• Right to correct — the right to request that we correct inaccurate personal information we hold about you.
• Right to portability — the right to request a copy of your personal information in a portable and readily usable format.
• Right to opt out — the right to opt out of the sale or sharing of your personal information. As stated above, Metfolio does not sell or share your personal information.
• Right to non-discrimination — the right not to be discriminated against for exercising your privacy rights.

To exercise any of these rights, please contact us at the email address provided below. We will respond to your request within the timeframe required by applicable law. We may need to verify your identity before processing your request.

If you are not satisfied with our response, you may have the right to appeal our decision by contacting us. You also have the right to lodge a complaint with your state's Attorney General.

Do Not Track

Some browsers include a "Do Not Track" (DNT) signal. The Metfolio Platform does not currently respond to DNT signals. You can manage your tracking preferences through your browser and device settings as described in the Cookies and Tracking Technologies section above.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable law. When we make changes, we will update the "Last updated" date at the top of this policy. We encourage you to review this policy periodically. Your continued use of the Metfolio Platform following any changes constitutes your acceptance of the updated policy.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us at:

Email: support@metfolio.com

We will do our best to resolve any concerns you may have.