Legal

Privacy Policy

Last updated: 22 June 2026

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. By using the Services, or by accessing our website, you are accepting and consenting to this Privacy Policy. 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.
Your name, phone number, and social media usernames for any accounts you link to the Services.
Financial information, including information about cryptocurrency wallets and payments.
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 from social media accounts that you use to log in to the Services.

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, pixels, and other tracking technologies 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.

Blockchain data

Because blockchain networks are public and decentralized, information such as wallet addresses, transaction hashes, token balances, and smart contract interactions are publicly visible and permanently recorded on the blockchain. We do not control blockchain networks and cannot modify, delete, or restrict access to such public data. Even if we remove personal information from our systems, blockchain data associated with your wallet address may remain publicly accessible and may be linked by third parties.

Except in connection with third-party Ramp Services or other compliance integrations, Nika does not collect government identification documents, biometric identifiers, or financial account credentials. Any such information is collected directly by the applicable third-party provider and is governed by that provider’s privacy policy.

We do not intentionally collect sensitive personal data such as racial or ethnic origin, political opinions, religious beliefs, health information, or biometric identifiers, except where voluntarily provided in communications or required by a third-party compliance provider.

2. How We Use Information

We use the information we collect to:

Provide, maintain, and improve the Services.
Facilitate account creation, authentication, and ongoing account management.
Facilitate blockchain transactions and interoperability features.
Fulfill and manage your orders, payments, and transactions made through the Services.
Enable user-to-user communications where you choose to use features that allow such communication.
Send updates, newsletters, marketing communications, and promotional materials.
Send administrative information such as details about changes to our terms and policies.
Respond to inquiries, feedback, and support requests.
Request feedback and contact you about your use of our Services.
Monitor usage trends and improve functionality.
Determine the effectiveness of our marketing and promotional campaigns.
Prevent fraud, enforce our Terms of Service, and comply with legal obligations.
Protect the Services, including fraud monitoring and prevention.
Customize and personalize your experience.
Conduct analytics, research, and performance measurement.
Save or protect an individual’s vital interest, such as to prevent harm, where necessary.

3. Sharing and Disclosure of Information

We may share information we collect in the following circumstances:

With Service Providers. We may share information with vendors and service providers who support hosting, analytics, infrastructure, marketing, communications, and customer support. We have contracts in place with our third-party service providers which are designed to safeguard your personal information. This means they cannot do anything with your personal information unless we have instructed them to do so, and they commit to protect the data they hold on our behalf.

With Financial, Liquidity, and Infrastructure Partners. We may share information (including wallet addresses, transaction data, and related metadata) with independent third-party providers to facilitate features of the Services, including but not limited to fiat on/off-ramp providers, liquidity venues, perpetual trading venues (including Hyperliquid), prediction market providers (including Polymarket), Yield Providers (including Yield.xyz), smart contract routing providers, blockchain data providers, and compliance or analytics partners. Such providers operate independently and are subject to their own privacy policies.

With Third-Party Protocols. When you interact with a Protocol, smart contract, Yield Opportunity, Perps Venue, or other blockchain-based integration through the Services, relevant transaction data is transmitted directly to public blockchain networks and/or the applicable third-party provider. Nika does not control the privacy practices of such third parties.

Access — You may request a copy of the personal information we hold about you.Correction
Correction — You may request that we correct or update inaccurate or incomplete information.Deletion
Deletion — You may request that we delete certain information we maintain about you, subject to legal or operational requirements.Restriction / Objection
Restriction / Objection — You may object to or request restrictions on our processing of your information in certain circumstances.Portability
Portability — You may request a copy of the personal data you previously shared with us in a portable format.Marketing Preferences
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
Cookies & Tracking — You can manage or disable cookies and other tracking technologies through your browser or device settings.

For Legal and Regulatory Purposes. We may disclose information if required to comply with applicable law, regulation, subpoena, court order, or governmental request, or to protect the rights, property, or safety of Nika, our users, or others.

Business Transfers. In connection with a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, information may be transferred as part of the transaction.

With Your Direction or Consent. We may share information where you explicitly direct us to do so.

We may also share aggregated or de-identified information that cannot reasonably be used to identify you. We do not sell your personal information in exchange for monetary compensation.

4. Third-Party Services and Websites

Our Services may link to, integrate with, or rely on third-party services, applications, websites, or providers. We do not make any guarantee regarding any such third parties, and we will not be liable for any loss or damage caused by your use of such third-party websites, services, or applications. The inclusion of a link or reference to a third-party website, service, or application does not imply an endorsement by us.

We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this Privacy Policy. We are not responsible for the content or privacy and security practices and policies of any third parties. You should review the policies of such third parties and contact them directly to respond to your questions.

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 Technologies

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

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

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. Social Logins

Our Services may offer you the ability to register and log in using your third-party social media account details (such as Apple, Google, or other providers). Where you choose to do this, we will receive certain profile information about you from your social media provider. The profile information we receive may vary depending on the social media provider concerned, but will often include your name, email address, and profile picture, as well as other information you choose to make public on such a social media platform.

We will use the information we receive only for the purposes described in this Privacy Policy. Please note that we do not control, and are not responsible for, other uses of your personal information by your third-party social media provider. We recommend that you review their privacy notice to understand how they collect, use, and share your personal information, and how you can set your privacy preferences on their sites and apps.

Right to Know / Right to Be Informed — You have the right to know: whether we collect and use your personal information; the categories of personal information we collect; the purposes for which it is used; whether we sell or share personal information to third parties; the categories of third parties to whom it was sold, shared, or disclosed; and the specific pieces of personal information we have collected about you.Right to Request Deletion
Right to Request Deletion — You may ask us to delete your personal information. We will respect your request subject to certain exceptions provided by law, including our compliance requirements or any processing required to protect against illegal activities.Right to Non-Discrimination
Right to Non-Discrimination — We will not discriminate against you for exercising any of your CCPA privacy rights.Right to Limit Use and Disclosure of Sensitive Personal Information
Right to Limit Use and Disclosure of Sensitive Personal Information — Where applicable, you may request that we limit our use and disclosure of sensitive personal information.Other Rights
Other Rights — You may object to the processing of your personal information, request correction of inaccurate personal data, and designate an authorized agent to make requests on your behalf. We may deny a request from an authorized agent that does not submit proof of valid authorization.

7. 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.

8. Data Security

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any 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 100% secure. Transmission of personal information to and from our 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 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. To the maximum extent permitted by law, we disclaim liability for unauthorized access, hacking, data loss, or security breaches except to the extent directly caused by our gross negligence or willful misconduct.

9. Data Retention

We retain information for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by law. Certain data, including blockchain wallet addresses, transaction hashes, token balances, and on-chain activity, are recorded permanently on decentralized public networks that we do not control. Such data cannot be modified, deleted, restricted, anonymized, or erased by Nika or by any third party. Requests to delete or erase personal data do not apply to information that is publicly recorded on a blockchain.

10. Your Rights and Choices

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

We may need 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.

You may designate an authorized agent to make a privacy rights request on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf.

Upon receiving a verifiable request, we will respond without undue delay and in all cases within forty-five (45) days of receipt. The response period may be extended once by forty-five (45) additional days when reasonably necessary. We will inform you of any such extension within the initial 45-day response period, together with the reason for the extension.

11. Do-Not-Track Features

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Policy.

12. International Transfers and Legal Bases

We may transfer, process, and store information in the United States and other jurisdictions where privacy laws may differ from those in your country of residence. By using the Services, you consent to such transfers.

Your consent;
Performance of a contract;
Compliance with legal obligations;
Protecting vital interests; or
Legitimate interests in operating, securing, and improving the Services.

Where required by applicable data protection laws (including the General Data Protection Regulation (GDPR)), we process personal data on the basis of:

Where legally required, we implement appropriate safeguards for cross-border transfers.

13. Children

The Services are intended for users over the age of 18. We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of a minor and consent to such minor’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you believe we have inadvertently collected information from a child, please contact us immediately.

14. California Residents — CCPA Privacy Rights

If you are a resident of California, you are granted specific rights regarding access to your personal information under the California Consumer Privacy Act (CCPA) and California Civil Code Section 1798.83 (the “Shine The Light” law).

Shine The Light. California residents may request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. To make such a request, please contact us using the information in the Contact Us section below.

Under-18 California Users. If you are under 18 years of age, reside in California, and have a registered account with the Services, you have the right to request removal of unwanted data that you publicly post on the Services. To request removal of such data, please contact us and include the email address associated with your account and a statement that you reside in California. We will ensure the data is not publicly displayed on the Services, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g., backups).

Your CCPA Rights. California residents have the following rights with respect to their personal data:

Verification. Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have information in our system. We will only use personal information provided in your request to verify your identity. If we cannot verify your identity from information already maintained by us, we may request additional information for verification purposes, which we will delete after verification is complete.

Third-Party Disclosures. We may disclose your personal information with our service providers pursuant to written contracts between us and each service provider. We may use your personal information for our own business purposes, such as for undertaking internal research for technological development. This is not considered to be “selling” of your personal information.

To exercise your California privacy rights, please contact us using the information in the Contact Us section below.

15. Virginia Residents — CDPA Privacy Rights

If you are a resident of Virginia, you may be granted specific rights regarding access to and use of your personal information under the Virginia Consumer Data Protection Act (CDPA).

Your Virginia CDPA Rights:

Right to be informed whether or not we are processing your personal data
Right to access your personal data
Right to correct inaccuracies in your personal data
Right to request deletion of your personal data
Right to obtain a copy of the personal data you previously shared with us
Right to opt out of the processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects

Exercising Your Rights. To exercise your Virginia CDPA rights, please contact us using the information in the Contact Us section below. If you are using an authorized agent to exercise your rights, we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.

Response Timeline. Upon receiving your verifiable request, we will respond without undue delay and in all cases within forty-five (45) days of receipt. The response period may be extended once by forty-five (45) additional days when reasonably necessary. We will inform you of any such extension within the initial 45-day response period, together with the reason for the extension.

Right to Appeal. If we decline to take action regarding your request, we will inform you of our decision and reasoning. If you wish to appeal our decision, please contact us in writing. We will respond to your appeal within sixty (60) days and provide a written explanation of any action taken or not taken. If your appeal is denied, you may contact the Virginia Attorney General to submit a complaint.

16. 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” date above and, where appropriate, notify you through the Services or other channels, including by prominently posting a notice or by directly sending you a notification. Continued use of the Services after updates constitutes acceptance of the revised policy. We encourage you to review this Privacy Policy frequently to stay informed of how we are protecting your information.

17. Contact Us

If you have questions, comments, or requests regarding this Privacy Policy, please contact us at: [email protected]

18. 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.