Liqwid Disclaimer and Website Use Terms

(Last Updated August 9, 2022)

Liqwid Labs, LLC (https://liqwid.finance), as well as any present or future affiliated or related application, website or company (collectively “Liqwid” or “we”), recognizes the importance of your privacy. This privacy policy tells you what personal information we collect and how we use it. Liqwid may change this privacy policy from time to time, in its sole discretion, as discussed in section 7 below. By using or visiting any Liqwid website, application, product, software, tool, data feed, and/or service (collectively the "Service"), you understand and agree to the terms of this privacy policy.

1. What Information Do We Collect?

a. Personally Identifiable Information:
We only collect personally identifiable information when you specifically and knowingly provide it to us, for example when you provide personal information such as your e-mail address, name, phone number, or other information. Personally identifiable information includes, where applicable, “personal data”, “personal information” and/or “sensitive personal information” each as defined in applicable law, and excludes staking addresses or payment addresses. We ask that you not send us, and you do not disclose, any sensitive personal data (e.g., social security numbers, information related to racial or ethnic origin, political opinions, religion or other beliefs, health, biometrics or genetic characteristics, criminal background or trade union membership). We collect and use your personally identifiable information to provide customer service or provide updates or information you request.This privacy policy does not apply to the privacy practices of third parties that we do not own or control, such as any third party websites, services, applications, online resources to which this Site may link or otherwise reference (collectively “Third Party Services” or “TPS”) that you may access through the Services.You may always choose not to provide personally identifiable information, but if you so choose, certain parts of the Service may not be available to you. If you have registered an account with us, you will have agreed to provide your personally identifiable information in order to access the Services. This consent provides us with the legal basis we require under applicable law to process your data. You maintain the right to withdraw such consent at any time. If you do not agree to our use of your personal data in line with this privacy policy, please do not use our Services.

b. Non-Personally Identifiable Information:
We may collect and aggregate information which does not permit you to be identified or identifiable either by itself or in combination with other information available to a third party. This non-personally identifiable information may include a website that referred you to us, your IP address, browser type and language, hardware types, geographic location, and access times and durations. We also may collect navigational information, including information about the Service content or pages you view, the links you click, and other actions taken in connection with the Service.

c. Cookies, Pixels and Local Storage:
We may collect information using “cookies”, which are small data files stored on the hard drive of your computer or mobile device by a website. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your computer or mobile device until you delete them) to provide you with a more personal and interactive experience when using the Services.We use two broad categories of cookies: (1) first party cookies, served directly by us to your computer or mobile device, which are used only by us to recognize your computer or mobile device when it revisits any site or application that is party of the Services; and (2) third party cookies, which are served by service providers on sites or applications and can be used by such service providers to recognize your computer or mobile device when it visits other websites.

Cookies we use

The services use the following types of cookies for the purposes set out below:

  • Essential Cookies
    These cookies are essential to provide you with services available through the Services and to enable you to use some of its features. For example, they allow you to log in to secure areas of the sites or applications and help the content of the pages you request load quickly. Without these cookies, the services that you have asked for cannot be provided, and we only use these cookies to provide you with those services.
  • Functionality Cookies
    These cookies allow the Services to remember choices you make when you use a site or application, such as remembering your language preferences, remembering your login details and remembering the changes you make to other parts of your account, or preferences. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you use the Services.
  • Analytics and Performance Cookies
    These cookies are used to collect information about traffic to the Services and how users use the Services. The information gathered does not identify any individual visitor. The information is aggregated and anonymous. It includes the number of visitors to, the websites that referred them, the pages visited, what time of day they visited, whether they have visited before, and other similar information. We use this information to help operate the Services more efficiently, to gather broad demographic information and to monitor the level of activity on our Services.

    We use Google Analytics for this purpose. Google Analytics uses its own cookies. It is only used to improve how the Services work. You can find out more information about Google Analytics cookies here: https://developers.google.com/analytics/resourcesconceptsgaConceptsCookies.

    You can find out more about how Google protects your data here: www.google.com/analytics/learn/privacy.html.

    You can prevent the use of Google Analytics relating to your use of the Services by downloading and installing the browser plugin available via this link: http://tools.google.com/dlpage/gaoptout?hl=en-GB.
  • Social Media Cookies
    These cookies are used when you share information using a social media sharing button or “like” button on any site or application for the Services or you link your account or engage with our content on or through a social networking website such as Instagram, Facebook or Twitter. The social network will record that you have done this: Disabling cookies

You can typically remove or reject cookies via your browser settings. In order to do this, follow the instructions provided by your browser (usually located within the “settings,” “help” “tools” or “edit” facility). Many browsers are set to accept cookies until you change your settings. If you do not accept our cookies, you may experience some inconvenience in your use of the Services. For example, we may not be able to recognize your computer or mobile device and you may need to log in every time you use the Services.
Pixel Tags
We may also use pixel tags (which are also known as web beacons and clear GIFs) on the Services to track the actions of users on our sites and applications. Unlike cookies, which are stored on the hard drive of your computer or mobile device by a website, pixel tags are embedded invisibly on webpages. Pixel tags measure the success of our marketing campaigns and compile statistics about usage of the Services, so that we can manage our content more effectively. The information we collect using pixel tags is not linked to our users personal dataDo Not Track SignalsSome Internet browsers may be configured to send "Do Not Track" signals to the online services that you visit. We currently do respond to do not track signals. To find out more about "Do Not Track," please visit http://www.allaboutdnt.com.

2. What Do We Do With The Information That We Collect?

Except as disclosed in this privacy policy, Liqwid does not share your personal information with any outside parties. Liqwid will use the personally identifiable information directly provided by you solely for the purpose for which you have provided it, which may include:

  • to operate, maintain, and improve the Services;
  • to manage your account, including to communicate with you regarding your account;
  • to operate and administer any proposals, events, or promotions you participate in on any site or application;
  • to respond to your comments and questions and to provide customer service;
  • to send you information including technical notices, updates, security alerts, and support and administrative messages;
  • with your consent, to send you marketing e-mails about new proposals, opportunities, upcoming events, and other news, including information about products and services offered by us and our affiliates. You may opt-out of receiving such information at any time: such marketing emails tell you how to “opt-out.” Please note, even if you opt out of receiving marketing emails, we may still send you non-marketing emails. Non-marketing emails include emails about your account with us (if you have one) and our business dealings with you;
  • to process payments you make via the Services; and
  • as we believe necessary or appropriate (a) to comply with applicable laws; (b) to comply with lawful requests and legal process, including to respond to requests from public and government authorities; (c) to enforce our privacy policy; and (d) to protect our rights, privacy, safety or property, and/or that of you or others.

We may share this information with service providers who perform services on our behalf, such as processing information requests, displaying stored data you access, to assist us in marketing, to conduct audits, etc. Those companies will be permitted to obtain only the personal information they need to provide the service they provide, will be required to maintain the confidentiality of the information, and will be prohibited from using it for any other purpose.

If you have given your consent for us to do so, we may also send you text messages concerning offers from our partners and other third parties that we think may be of interest to you. If you do not wish to receive marketing emails, you may follow the “unsubscribe” or “stop” instructions included within each text message.

We will only retain your personally identifiable information as long as reasonably required to provide you with the Services unless a longer retention period is required or permitted by law (for example, for regulatory purposes).

3. Your Rights

Consistent with applicable law, you may exercise any of the rights described in this section. Please note that we may ask you to verify your identity and request before taking action on your request.
a. Rectification of Inaccurate or Incomplete Information. You have the right to ask us to correct inaccurate or incomplete personal information about you.

b. Data Access and Portability. In some jurisdictions, applicable law may entitle you to request certain copies of your personal information held by us. You may also be entitled to request copies of personal information that you have provided to us in a structured, commonly used, and machine-readable format and/or request us to transmit this information to another service provider (where technically feasible).

c. Data Retention and Erasure. We generally retain your personal information for as long as necessary to provide you the Service and to comply with our legal obligations. In certain jurisdictions, you can request to have all your personal information deleted entirely. Please note that if you request the erasure of your personal information:

  • We may retain some of your personal information as necessary for our legitimate business interests, such as fraud detection and prevention and enhancing safety.
  • We may retain and use your personal information to the extent necessary to comply with our legal obligations. For example, for tax, legal reporting and auditing obligations.
  • Because we maintain the Service to protect from accidental or malicious loss and destruction, residual copies of your personal information may not be removed from our backup systems for a limited period of time.

d. Withdrawing Consent and Restriction of Processing. If we are processing your personal information based on your consent you may withdraw your consent at any time by sending a communication to us specifying which consent you are withdrawing.

e. Objection to Processing. In some jurisdictions, applicable law may entitle you to require us not to process your personal information for certain specific purposes (including profiling) where such processing is based on legitimate interest. If you object to such processing we will no longer process your personal information for these purposes unless we can demonstrate compelling legitimate grounds for such processing or such processing is required for the establishment, exercise or defense of legal claims.
Where your personal information is processed for information-sharing purposes, you may, at any time ask us to cease processing your data for these information-sharing purposes by sending an e-mail to [email protected].

f. Lodging Complaints. You have the right to lodge complaints about our data processing activities by filing a complaint with us at [email protected] or with a supervisory authority.

4. Children's Policy

The Terms of Service clearly provide that Users must be (i) 18 or older, or (ii) 13 and older if either (a) an emancipated minor, or (b) he/she possess legal parental or guardian consent. Liqwid does not knowingly collect personally identifiable information from users under 13. In the event that we learn that we have collected any personal information from a user under the age of 13, we will attempt to identify and delete that information from our database.

5. International Usage

The Service is owned by Liqwid and may be accessed in the United States and abroad. For data protection purposes, Liqwid is the controller and, unless otherwise noted, is also the processor of data. Information collected may be retained, and may be stored, processed, accessed, and used in jurisdictions whose privacy laws may be different and less protective than those of your home jurisdiction. If you are located outside of the United States, please note that the information you provide to us may be transferred to the United States. By using the Service, application and/or website, you consent to such transfer. We will take reasonable steps to ensure that your data is treated securely and in accordance with this privacy policy.

6. Security and Encryption

We follow generally accepted industry standards to help protect your personal information. No method of transmission over the internet, mobile technology, or method of electronic storage, is completely secure. Therefore, while we endeavor to maintain physical, electronic, and procedural safeguards to protect the confidentiality of the information that we collect online, we cannot guarantee its absolute security. Our Service has security measures in place designed to protect against the loss, misuse and alteration of the information under our control. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us at [email protected].

7. Changes to This Policy

We reserve the right to change the terms of this privacy policy at any time. When we make changes, we will revise the “last updated” date at the top of the policy. If there are material changes to this statement or in how we will use your personal information, we will notify you by prominently posting a notice of such changes here or on our home page, or by sending you an email. We encourage you to review this policy whenever you visit one of our websites or applications.

DeFi Lending, Simplified

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