Privacy Policy

Effective Date: February 17, 2026  |  Last Updated: February 23, 2026

1. Who We Are

BlocLend LLC ("BlocLend," "we," "us," or "our") operates the website bloclend.io (the "Platform"). This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our Platform or use our services.

2. Information We Collect

Information You Provide Directly:

• Account Information: Name, email address, phone number when you submit a borrower application, lender application, or join the waitlist
• Identity Verification: Government-issued identification, proof of address, and accredited investor documentation as required for KYC/AML compliance
• Financial Information: Wallet addresses, collateral type and amount, loan preferences, capital deployment range, and accredited investor status
• Communications: Any messages, inquiries, or feedback you send to us

Information Collected Automatically:

• Usage Data: Pages visited, time spent on the Platform, referring URLs, and browser type
• Device Information: IP address, operating system, device type, and screen resolution
• Cookies: We use essential cookies to maintain session state and Platform functionality. We do not use advertising or tracking cookies

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate borrower and lender applications
• Facilitate lending transactions between borrowers and lenders
• Verify identity and accredited investor status (KYC/AML compliance)
• Communicate with you about your account, applications, and Platform updates
• Monitor collateral values and send automated alerts
• Detect, prevent, and investigate fraud or unauthorized activity
• Comply with applicable laws, regulations, and legal processes
• Improve the Platform, user experience, and our services

4. How We Share Your Information

We do not sell your personal information.

We may share your information only in the following circumstances:

• Between Borrowers and Lenders: Limited transaction-related information is shared between parties to a loan as necessary to facilitate the transaction. Personal contact information is not shared without consent
• Service Providers: We share information with trusted third-party service providers who assist with Platform operations, including KYC/AML verification, custody and escrow services, email delivery, and hosting. These providers are contractually obligated to protect your data
• Legal Requirements: We may disclose information when required by law, regulation, subpoena, court order, or other legal process, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others
• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit (TLS/SSL) and at rest
• Secure, encrypted email communications via ProtonMail infrastructure
• Access controls limiting employee and contractor access to personal data
• Regular security assessments and monitoring

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services, comply with legal obligations, resolve disputes, and enforce our agreements. If you request account deletion, we will remove your personal information within 30 days, except where retention is required by law (such as AML record-keeping requirements, which may extend up to 5 years).

7. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Portability: Request a copy of your data in a structured, machine-readable format
• Opt-Out: Opt out of non-essential communications at any time by contacting us or using the unsubscribe link in our emails

To exercise any of these rights, contact us at hello@bloclend.io.

8. California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to request deletion, and the right to opt out of the sale of personal information. As stated above, we do not sell personal information. To submit a CCPA request, contact us at hello@bloclend.io.

9. International Users

The Platform is operated from the United States. If you access the Platform from outside the United States, your information may be transferred to, stored in, and processed in the United States, where data protection laws may differ from those in your jurisdiction. By using the Platform, you consent to such transfer and processing.

10. Third-Party Links

The Platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

11. Children's Privacy

The Platform is not directed at individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will promptly delete it.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Platform after any changes constitutes acceptance of the updated Privacy Policy. We will notify you of material changes via email or a prominent notice on the Platform.

13. Contact Us

For questions, concerns, or requests related to this Privacy Policy or your personal information, contact us at:

BlocLend LLC
Email: hello@bloclend.io
Privacy inquiries: ops@bloclend.io