Website Terms of Use — Version 1.0 — Effective from March 2026 · Bloquo Inc. (Montana, USA), FinCEN-registered MSB · bloquo.com
These website terms of use ("Terms of Use", "ToUs") govern your access to and use of https://bloquo.com (the "Website"), operated by or on behalf of Bloquo Inc., a Montana corporation registered with the United States ("U.S.") Financial Crimes Enforcement Network ("FinCEN") as a Money Services Business ("MSB"), together with its affiliates, subsidiaries, parents, and related entities ("Bloquo", "we", "us", "our").
These ToUs, together with any documents incorporated by reference, including any applicable terms and conditions of use or service ("Additional Terms") and privacy policies ("Privacy Policy"), govern your access to and use of the Website.
By using the Website, you accept and agree to be bound by these ToUs and our applicable Privacy Policy. If you do not agree with these ToUs, please do not access or use the Website.
You are responsible for:
To access the Website or some of the resources it offers, you may be asked to provide certain details or other information in addition to those required for account registration and acceptance of Additional Terms. It is a condition of your use of the Website that all information you provide on the Website is correct, current, and complete. You agree that all information you provide to register on the Website or otherwise, including without limitation through any interactive features of the Website, is subject to the Privacy Policy, and you consent to all actions we take with respect to your information consistent with the Privacy Policy.
We reserve the right to withdraw or amend the Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. We may update the content on the Website from time to time, but its content is not necessarily complete or up-to-date. Any material on the Website may be out of date at any given time, and we are under no obligation to update such material.
From time to time, we may restrict access to parts of the Website or the entire Website. We also reserve the right to terminate or suspend your access to all or part of the Website for any reason or no reason, including without limitation any violation of these ToUs, Additional Terms, or the Privacy Policy.
You may use the Website only for lawful purposes and in accordance with these ToUs. You agree not to use the Website:
We have the right to:
You waive and hold harmless Bloquo and its affiliates, licensors, and service providers from any claims resulting from any action taken by any of the foregoing parties during, or as a consequence of, investigations by such parties or law enforcement authorities.
Subject to Additional Terms as applicable, the Website and its entire contents, features, and functionality (including without limitation all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Bloquo, its licensors, or other providers of such material and are protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These ToUs permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material on our Website except as follows:
If we offer certain social media features with specific content, you may take such actions as are enabled by such features.
You must not:
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of these ToUs or applicable Additional Terms, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by Bloquo. Any use of the Website not expressly permitted by these ToUs or Additional Terms is a breach of these ToUs and may violate copyright, trademark, and other laws.
The Bloquo name and all related names, logos, product and service names, designs, and slogans are trademarks of Bloquo or its affiliates or licensors. You must not use such marks without Bloquo's prior written permission. All other names, logos, product and service names, designs, and slogans on the Website are the trademarks of their respective owners.
The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
The Website may contain links to websites or applications controlled by parties other than Bloquo ("Third-Party Content"). Bloquo is not responsible for and does not endorse or accept responsibility for the availability, content, products, services, or use of any Third-Party Content, any website or application accessed from Third-Party Content, or changes or updates to such websites or applications. Bloquo makes no warranties about the content or quality of products or services provided by such websites or applications. Links are provided for convenience only and inclusion does not imply endorsement by Bloquo of Third-Party Content. Bloquo is not responsible to you or any third party for the content or accuracy of any Third-Party Content. Any reliance on such information is at your own risk.
As noted, certain parts, services, or features accessible on or in connection with the Website may be subject to Additional Terms.
Such Additional Terms are incorporated by reference and apply together with these ToUs to the parts, services, or features to which they relate. In the event of a conflict between these ToUs and applicable Additional Terms, the Additional Terms will control with respect to the relevant part, service, or feature.
All information we collect on the Website is subject to the Privacy Policy. By using the Website, you consent to all actions we take with respect to your information in compliance with the Privacy Policy.
The owner of the Website is based in the State of Montana in the United States. Access to the Website may not be lawful for certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to the Website for any reconstruction of any lost data.
TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER BLOQUO NOR ANY PERSON ASSOCIATED WITH BLOQUO MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER BLOQUO NOR ANYONE ASSOCIATED WITH BLOQUO REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
TO THE FULLEST EXTENT PROVIDED BY LAW, BLOQUO HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
The foregoing does not affect any warranties that cannot be excluded or limited under applicable law.
TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL BLOQUO, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, SHAREHOLDERS, MEMBERS, MANAGERS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
The foregoing does not affect any liability that cannot be excluded or limited under applicable law.
You agree to defend, indemnify, and hold harmless Bloquo, its affiliates, and their respective officers, directors, employees, managers, members, shareholders, agents, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, deficiencies, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of any kind, including reasonable attorneys' fees, arising out of or relating to: (i) your violation of these ToUs or your use or misuse of the Website, including without limitation any use of the Website's content, services, and products other than as expressly authorized in these ToUs, or your use or misuse of information obtained from the Website; (ii) your violation of any third-party right, including without limitation any intellectual property or privacy right; and (iii) your violation of applicable laws.
We may revise and update these ToUs from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised ToUs means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.
All matters relating to the Website and these ToUs, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Montana without giving effect to any choice or conflict of law provision or rule (whether of the State of Montana or any other jurisdiction).
Any legal suit, action, or proceeding arising out of or related to these ToUs or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Montana, although we retain the right to bring any suit, action, or proceeding against you for breach of these ToUs in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
At Bloquo's sole discretion, disputes arising out of or relating to these ToUs or the use of the Website, including with respect to interpretation, breach, invalidity, non-performance, or termination, may be submitted to final and binding arbitration under the Commercial Arbitration Rules of the American Arbitration Association, with Montana law applying.
EACH PARTY WAIVES ANY RIGHT TO A JURY TRIAL IN CONNECTION WITH ANY DISPUTE, ACTION, OR LITIGATION OF ANY KIND ARISING OUT OF OR RELATED TO THESE TERMS OF USE.
Bloquo's failure to exercise any right or provision of these ToUs shall not constitute a further or continuing waiver of such right or provision or a waiver of any other right or provision, and Bloquo's failure to assert a right or provision under these ToUs shall not constitute a waiver of such right or provision.
If any provision of these ToUs is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the ToUs will continue in full force and effect.
The ToUs and the Privacy Policy constitute the sole and entire agreement between you and Bloquo regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website. Notwithstanding the foregoing, if you enter into or accept Additional Terms with Bloquo, such Additional Terms apply to the corresponding part, service, or feature and control in the event of a conflict with these ToUs.
These ToUs are written in English, which shall control for all purposes. Any translation is provided solely for convenience and does not modify or affect the interpretation of these ToUs. In the event of any inconsistency or conflict, the English version prevails.
If you have questions or concerns about these ToUs, please contact us:
Privacy Policy — Version 1.0 — Effective March 2026 · Bloquo Inc. (Montana, USA), FinCEN-registered MSB
Bloquo Inc., a Montana corporation registered with the United States ("U.S.") Financial Crimes Enforcement Network ("FinCEN") as a Money Services Business ("MSB"), together with its affiliates, subsidiaries, parents, and related entities ("Bloquo", "us", "we", "our"), is a technology provider that facilitates access to a platform, website, mobile applications, messaging channels, application programming interfaces ("APIs"), and other integrations with third-party platforms, websites, mobile applications, and services (collectively, the "Platform"), through which it enables a series of content, functionalities, and services.
This Privacy Policy, together with any documents incorporated herein by reference, including the Website Terms of Use ("ToUs") and the General Terms and Conditions of Use and Service ("Terms and Conditions"), as applicable, describes and governs the collection and use of Personal Information (as defined below) by Bloquo.
It applies to Personal Information collected from individuals to whom Bloquo may provide access to the website, Platform, and related services, as well as from any other individual who interacts with Bloquo or its offerings ("User", "Users", "you", or "your"). This includes Personal Information collected in connection with your access to or use of the website, the Platform, and related services, Bloquo's social media, any other Bloquo Technology (as defined below) in connection therewith, or any other products, services, or documentation that Bloquo may offer or make available from time to time, whether online or offline (collectively, the "Services").
This Privacy Policy further explains how such Personal Information is used, the circumstances under which it may be shared, and the choices available to you regarding our use of such Personal Information. It does not apply or extend to organizations or individuals outside Bloquo's ownership, control, or management. Bloquo is not responsible for the data-handling practices, products, information, or services of any third party that may be linked to or accessible through the website, the Platform, and Services, including, without limitation, any Third Party Content (as defined in Section 4 below), nor does Bloquo endorse or make any representations regarding such third parties.
"Personal Information" means information that you or Users provide access to Bloquo, or information which Bloquo creates or obtains on behalf of you or the User, that: (a) directly or indirectly identifies an individual or (b) can be used to authenticate an individual. User's business contact information is not by itself Personal Information.
"Bloquo Technology" means the software, algorithms, models, and other technologies used to provide the Services, including, without limitation, software, the Platform, a website, a mobile application, messaging channels, API integrations, and any modifications, enhancements, or derivative works thereof, whether now existing or hereafter developed, and all Bloquo proprietary information and technology, used by Bloquo or provided to you in connection with the Services.
By accessing or using Bloquo's Services, you agree to our collection, use, and disclosure practices of your Personal Information, and other related activities, as described in this Privacy Policy.
If you do not agree with this Privacy Policy, we kindly request you not to access or use the Services.
If you have any questions or wish to exercise your rights and choices, please email us at the email address set out in Section 11 below. If you are a resident whose state or foreign jurisdiction may provide certain statutory privacy protections, please see the additional disclosures in Sections 12 to 16 of this Privacy Policy.
(a) Information You Provide. We may collect information about you when you access and use the Services or interact with us offline, including information you provide when you register an account, update your profile, access our content and functionalities, make a purchase, or contact customer support. The categories of information we collect, and may have collected in the past twelve (12) months, include:
You may choose to voluntarily provide other information to us that we do not request, and, in such instances, you are solely responsible for such information.
(b) Information Collected Automatically. In addition, we automatically collect information when you access and use the Services. The categories of information we automatically collect, and may have collected in the past twelve (12) months, include:
For further information on your rights and choices, see Section 6 below.
(c) Information from Other Sources. We may also collect information from other sources. The categories of sources from which we collect information, and may have collected from in the past twelve (12) months, include:
(d) Technologies. The types of technologies we use to collect information include:
For further information on how we use tracking technologies for analytics and advertising, and your rights and choices regarding them, see Sections 5 and 6 of this Privacy Policy.
We may collect and use information for business and commercial purposes in accordance with the practices described in this Privacy Policy. Our business and commercial purposes for collecting and using information, and for which we may have collected and used information in the past twelve (12) months, include:
Notwithstanding the above, we may transform Personal Information, as well as data and information relating to you and to Users' use of the Services, into aggregated, de-identified, or otherwise anonymized information, including, without limitation, to compile statistical information related to the provision and operation of the Services and performance data (including, without limitation, system-generated technical information, such as server logs, usage metadata, and telemetry) ("Resultant Data") and, except where prohibited by applicable law, use or disclose such data for any lawful purpose, including evaluating and enhancing the performance, features, and effectiveness of the Services; analyzing usage patterns, user demographics, and general behavioral trends; conducting or supporting research with industry partners to advance the Services; and developing new insights, content, and products and services. For example, we may aggregate data to calculate average activity or related or derived metrics across all Users over a specified period.
For information on your rights and choices regarding how we use information about you, please see Section 6 below.
We may share information we collect in accordance with this Privacy Policy, the ToUs, and the Terms and Conditions, as applicable. The categories of parties with whom we share information, and may have shared information in the past twelve (12) months, include:
Notwithstanding the above, we may share Resultant Data, except as prohibited by applicable law. For information on your rights and choices regarding how we share information about you, please see Section 6 below.
The Services may contain links to websites or applications controlled by parties other than Bloquo ("Third Party Content"). In addition, we integrate technologies operated or controlled by other parties into parts of the Services, including, without limitation, third party LLMs.
Some examples include:
(a) Links. The Services may include links that hyperlink to websites, platforms, and other services not operated or controlled by us. We may get a commission if you purchase a product after clicking on a link to an affiliate's website; and
(b) Brand pages and chatbots. We may offer our content through social media, such as Meta. Any information you provide to us when you engage with our content (such as through our brand page or chatbot) is treated in accordance with this Privacy Policy. Also, if you publicly reference the Services on social media (e.g., by using a hashtag associated with Bloquo in a post), we may use your reference on or in connection with the Services.
Please note that when you interact with other parties, including when you leave the Services, those parties may independently collect information about you and solicit information from you. The information collected and stored by those parties remains subject to their own policies and practices, including what information they share with us, your rights and choices on their services and devices, and whether they store information in the U.S. or elsewhere. We encourage you to familiarize yourself with and consult their privacy policies and terms of use.
We may use analytics services, such as Google Analytics, to help us understand how Users access and use the Services. In addition, we work with agencies, advertisers, ad networks, and other technology services to place ads about our products, devices, and Services on other websites and services. For example, we may place ads through Google and Meta that you may view on their platforms as well as on other websites and services.
As part of this process, we may incorporate tracking technologies into our own Services (including our website and emails) as well as into our ads displayed on other websites and services. Some of these tracking technologies may track your activities across time and services for purposes of associating the different devices you use and delivering relevant ads and/or other content to you ("Interest-based Advertising").
As indicated above, vendors and other parties may act as our service providers, or in certain contexts, independently decide how to process your information. We encourage you to familiarize yourself with and consult their privacy policies and terms of use.
(a) Account Information. Please note that we will retain and use information about you as necessary for our records, to perform the Services, to fulfill our legal obligations, resolve disputes, and enforce our agreements. You may request access to or a full deletion of your Personal Information by emailing us at the email address set out in Section 11 below. To confirm that any access or deletion request is legitimate, we may ask you to complete a verification form demonstrating that you have the authority to act. Even after we honor a request to delete Personal Information, we may keep limited records as required or permitted by law, along with certain Resultant Data.
Users may access, update, edit, or delete certain information they have provided to us through their account settings, including first and last name, username and password, email address, mailing address, and other profile information.
If you are a resident whose state or foreign jurisdiction may provide certain statutory privacy protections, please see the additional disclosures in Sections 12 to 16 of this Privacy Policy.
(b) Tracking Technology Choices.
Please be aware that if you disable or remove certain technologies some parts of the Services may not function correctly.
(c) Analytics and Interest-Based Advertising. You may opt out of certain data collection and targeted advertising features provided by third parties. For example, Google and Microsoft provide tools that allow you to opt out of the use of certain information they collect.
You may also limit our use of information collected from or about your mobile device for purposes of serving targeted ads to you.
Please note that if you opt out using any of these methods, the opt out will only apply to the specific browser or device from which you opt out. We are not responsible for the effectiveness of, or compliance with, any opt out options or programs, or the accuracy of any other entities' statements regarding their opt out options or programs.
(d) Communications.
Please note that your opt out is limited to the email address, device, and phone number used and will not affect subsequent subscriptions.
The Services are not directed at people under 18 years old. If you have not yet reached the age at which your jurisdiction permits you to consent to the processing of your data, do not register for the Services or provide us with Personal Information. Should Bloquo discover that it has inadvertently collected Personal Information from a minor who lacks the legal capacity to give such consent, we will delete that information as swiftly as possible. If you believe a minor in this situation has supplied us with Personal Information, please email us at the email address set out in Section 11 below.
We do not knowingly collect personal information (as defined by the U.S. Children's Privacy Protection Act, or "COPPA") from children.
We implement and maintain reasonable organizational, administrative, physical, and technical security safeguards and encryption during transmission and at rest to help protect information about you from loss, theft, misuse and unauthorized access, disclosure, alteration, and destruction, in accordance with the ToUs and the Terms and Conditions, as applicable. We follow generally accepted standards to protect the Personal Information submitted to us, both during transmission and once it is received. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of information about you. By using the Services you acknowledge and agree that Bloquo makes no such guarantee, and that you use them at your own risk.
We are based in the U.S. and the information we collect is governed by U.S. law. If you are accessing the Services from outside of the U.S., please be aware that information collected through them may be transferred to, processed, stored, and used in the U.S. Data protection laws in the U.S. may be different from those of your country of residence. Your use of the Services, or any other products or services that Bloquo makes available, or provision of any information therefore constitutes your consent to the transfer to and from, processing, usage, sharing, and storage of information about you in the U.S. as set out in this Privacy Policy.
We use recognized transfer tools, for example, LGPD (as defined in Section 16 below) transfer mechanisms, and perform transfer risk assessments where required. We disclose key third-country recipients upon request where permitted.
We retain personal data only for as long as it is reasonably needed to fulfill the purposes described in this Privacy Policy, the ToUs, and the Terms and Conditions, as applicable, and to comply with applicable legal and regulatory requirements, including tax, accounting, audit, and anti-money laundering and counter terrorist financing obligations.
Bloquo reserves the right, in its sole discretion, to change, modify, revise, or reissue this Privacy Policy from time to time (each, an "Update"). Bloquo will make each Update available on Bloquo's website. In the event that an Update materially affects your rights or obligations, or those of Bloquo, under this Privacy Policy, Bloquo will provide you with notice of such Update via email, through your account, or by any other reasonable means of communication, using the email address or other contact information provided during registration or thereafter; except where an Update is immaterial to any of your legal rights or to the legal obligations of Bloquo and is made solely to correct a typographical, formatting, or grammatical inaccuracy, in which case such Update will be effective immediately upon posting on Bloquo's website. You will be deemed to have accepted any Update by continuing to access or use the Services for fifteen (15) days following such notice, and the updated Privacy Policy will thereafter govern the collection, use, and disclosure of your information by Bloquo.
If you have any questions or concerns regarding this Privacy Policy, our data practices, or our compliance with applicable law, please feel free to contact us:
Nevada law requires each business to establish a designated request address where Nevada consumers may submit requests directing the business not to sell certain kinds of personal information that the business has collected or will collect about the consumer. A sale under Nevada law is the exchange of personal information for monetary consideration by the business to a third party for the third party to license or sell the personal information to other third parties. We do not sell personal information of Nevada residents. If you are a Nevada consumer and wish to submit a request relating to our compliance with Nevada law, please email us at the email address set out in Section 11 above.
These additional disclosures apply only to California residents. The California Consumer Privacy Act of 2018 ("CCPA") provides additional rights to know, delete and opt out, and requires businesses collecting or disclosing personal information to provide notices and means to exercise rights.
(a) Notice of Collection.
The categories of personal information, as described in the CCPA we collect, and have collected in the past twelve (12) months, include:
For further details on information we collect, including the sources from which we receive information, review Section 1 above. We collect and use these categories of personal information for the business purposes described in Section 2 above, including to manage the Services.
To the extent "sale" under the CCPA is interpreted to include the activities set out in this Privacy Policy, we will comply with applicable law as to such activity. We disclose the following categories of personal information for commercial purposes: identifiers, characteristics, commercial or transactions information, internet activity, geolocation data, and inferences drawn. Please review Section 3 above for further details about the categories of parties with whom we share information.
While the CCPA does not currently apply to Bloquo, if it becomes applicable in the future, you will have the rights listed below.
(b) Right to Know and Delete.
This is the right to know certain details about our data practices in the past twelve (12) months. In particular, you may request the following from us:
In addition, you have the right to delete the personal information we have collected from you.
To exercise any of these rights, please email us at the email address set out in Section 11 above. In the request, please specify which right you are seeking to exercise and the scope of the request. We will confirm receipt of your request within ten (10) days. We may require specific information from you to help us verify your identity and process your request. You may appoint an authorized agent to exercise your privacy rights on your behalf. Any request the agent submits must follow our usual process, and we may require a signed authorization proving the agent's authority. We may also ask you to verify your identity directly and confirm that you granted the agent permission to act for you. If we are unable to verify your identity, we may deny your requests to know or delete.
California's "Shine the Light" statute (CA Civil Code §1798.83) may allow you, as a California resident, to request once per calendar year a disclosure of any categories of personal information that Bloquo has shared with third parties for those parties' direct-marketing purposes, along with the names and addresses of the third parties involved. While currently, the California's "Shine the Light" law does not apply to Bloquo, if it becomes applicable in the future, and you would like to make this request, please email us at the email address set out in Section 11 above.
(c) Right to Opt Out.
Although Bloquo does not sell your personal information to third parties, to the extent that any sharing of your personal information constitutes a "sale" under the CCPA, you have the right to opt out of the sale of your personal information by us to third parties at any time. You may submit a request to opt out by emailing us at the email address set out in Section 11 above.
If you are a resident of a U.S. state such as, without limitation, Colorado, Connecticut, Delaware, Iowa, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, Virginia, your state's privacy statute may afford you certain rights. Specifically, you may:
Bloquo will honor these rights as required by the laws of your state.
If you are a resident of a country outside of the U.S., your country's privacy statute may afford you certain rights. These rights may vary depending on the jurisdiction and the nature of your relationship with Bloquo. If you are a foreign User and wish to submit a request or inquiry relating to our compliance with the data protection or privacy laws of your respective country, please email us at the email address set out in Section 11 above.
This Privacy Policy is written in English, which shall control. Any translation is provided solely for convenience and does not modify or affect the interpretation of this Privacy Policy. In the event of any inconsistency or conflict, the English version prevails.
This section applies exclusively to Users who are residents of Brazil. If any provision of this section conflicts with another part of this Privacy Policy, this section will prevail for Brazilian Users.
We process personal data in accordance with Federal Law No. 13,709/2018 (Lei Geral de Proteção de Dados – "LGPD") and other applicable Brazilian data protection laws. For purposes of this section, the term "personal data" has the meaning assigned to it under the LGPD.
If a Portuguese version of this Privacy Policy is not otherwise made available, such version may be provided upon request by emailing us at the email set out in Section 11 above.
This Privacy Policy is written in English, which shall control. Any translation is provided solely for convenience and does not modify or affect the interpretation of this Privacy Policy. In the event of any inconsistency or conflict, the English version prevails.
By accessing or using the Services, or otherwise interacting with us, you acknowledge that your personal data may be collected, used, and shared as described in this Privacy Policy, to the extent necessary to provide and operate the Services and as permitted under applicable law.
You acknowledge that we may process personal data for purposes related to credit score analysis, fraud prevention, security, risk management, and misuse prevention, including verifying the integrity of accounts and transactions and protecting the Services from unauthorized or unlawful activity. Such processing may involve information obtained from credit bureaus, agencies, and other third parties that provide security, risk, or verification services or that have the technical capacity for the assessment of risk or aggregation of your information and data, as permitted under the LGPD.
(a) Processing of Personal Data.
We process personal data only when supported by a lawful basis under the LGPD, which may include, as applicable:
(b) Your Rights Under Brazilian Law.
As a data subject under the LGPD, you may request, as applicable:
(c) Submitting a Request.
You may submit a request to exercise your rights free of charge and at any time by emailing us at the email address set out in Section 11 above.
We will acknowledge and respond to requests within the timeframe required by applicable law. If we are unable to comply with a request, in whole or in part, we will provide a clear explanation of the factual or legal reasons preventing compliance.
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