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Speedchain Privacy Policy

Effective Date: July 14, 2025

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1. Introduction

At Speedchain, Inc. (“Speedchain,” “we,” “us,” “our”), we are deeply committed to safeguarding your privacy. This Privacy Policy explains our collection, use, sharing, transfer, and protection of personal data in connection with our website, web and mobile applications, and related commercial card and expense management services (collectively, “Services”).

By accessing or using our Services, you agree to the practices described herein.

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2. Who We Are

Speedchain, Inc., a Delaware corporation headquartered in Atlanta, Georgia, operates globally and provides solutions in digital payments, corporate cards, and expense tracking, with a focus on the construction industry (LinkedIn).

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3. Scope of This Policy

Applies to:

  • Individuals using Speedchain Services—cardholders, administrators, employees.

  • Companies managing expense and payment processes via Speedchain.

  • Visitors to our marketing website and users who contact us via support or contact forms.

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4. Information We Collect

We collect:

a. From you directly during application and onboarding:

  • Personal identifiers (name, email, phone, title)

  • Company and billing information (company documents, financial statements)

  • Financial data: bank account or card numbers used for transactions and linked accounts (app.speedchain.com)

b. Automatically during use:

  • Device and usage metadata (IP address, browser, device identifiers, usage patterns)

  • Transaction data (merchant, amount, project/job codes assigned, timestamps) (Speedchain)

c. From third parties:

  • Verification data from identity providers and credit reporting agencies for underwriting and compliance

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5. How We Use Your Data

We use personal and company data to:

  • Facilitate Services (account setup, card issuance, bill payments).

  • Underwrite eligibility, manage fraud, security, and compliance (including PCI-DSS adherence and SOC 2 Type II controls) (app.speedchain.com, Speedchain, Speedchain).

  • Analyze, improve, and optimize the platform and features.

  • Provide support, notifications, and administer our Services.

  • Aggregate anonymized data for benchmarking or trend analysis.

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6. Legal Bases for Processing

Depending on jurisdiction, our legal bases include:

  • Performance of contract: delivering products and services.

  • Legitimate interests: risk prevention, fraud detection, platform maintenance.

  • Legal compliance: anti-money laundering (AML), PCI standards, regulatory mandates.

  • Consent where required by law.

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7. Sharing Your Data

We may share your information with:

  • Financial institution partners (e.g. Community Federal Savings Bank, Mastercard partners) for payments processing and regulatory compliance (app.speedchain.com, app.speedchain.com, Speedchain, Speedchain, Speedchain).

  • Third‑party service providers for analytics, cloud infrastructure, customer support, and verification.

  • Credit bureaus to support underwriting or risk assessments.

  • Legal or regulatory authorities as required by law.

  • Successors in case of merger or acquisition, with notice where required.

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8. Cookies and Tracking

Our marketing site may use cookies to:

  • Maintain sessions, remember preferences.

  • Perform analytics.

  • Deliver relevant content or offers in line with user preferences.

User consent options (e.g. for analytics cookies or marketing tools) should be clearly presented, and users may manage or opt out via browser settings.

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9. Data Security and Retention

  • We adhere to PCI-DSS standards for card data and maintain SOC 2 Type II compliance to protect user and financial data (app.speedchain.com, app.speedchain.com, Speedchain).

  • Multi-Factor Authentication (MFA) is offered to authorized users to increase access security.

  • Data is retained only as long as necessary to fulfill contract, compliance, or legitimate business needs. Specific retention periods will vary by data type and jurisdiction.

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10. International Transfers

Speedchain may transfer data across borders (e.g. from users outside the U.S.) to our systems and partners in the U.S. In such cases, we rely on appropriate safeguards (e.g. standard contractual clauses) to ensure lawful data transfers.

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11. Your Rights

Depending on applicable laws (e.g. GDPR, CCPA), you may have the right to:

  • Access the personal data we hold.

  • Correct inaccuracies.

  • Delete or port your data.

  • Object to or restrict processing.

  • Withdraw consent where applicable.

  • Opt out of profiling or marketing communications.

To exercise these rights, contact us at legal@speedchain.com or via support channels.

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12. Children’s Privacy

Our Services are intended for business use and individuals aged 13 or older. We do not knowingly collect personal data from minors younger than 13 (or higher age threshold under local law). Please contact us to have such data removed.

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13. Updates to This Policy

We may modify this Privacy Policy over time. The revised version becomes effective once posted with an updated “Effective Date.” Material changes will be communicated to users or reflected in the Services.

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14. Contact Information

For privacy inquiries, exercising your rights, or concerns, reach us at:

Speedchain, Inc.
Email: legal@speedchain.com
Support: support@speedchain.com / 470‑903‑2971
Address: 1115 Howell Mill Rd NW Suite 360, Atlanta, GA 30318

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Additional Context

  • Speedchain has strong security credentials such as PCI-DSS and SOC 2 Type II protocols and offers multi-factor authentication for user protection (Speedchain, app.speedchain.com, Speedchain, app.speedchain.com).

  • With no public privacy policy found on their site, this draft fills the typical privacy policy gaps for consent, data subject rights, cross-border data flow, and retention.

Let me know if you’d like to adjust for GDPR, UK DPA, or include additional specifics (e.g. cookie banner details, EU representative, DPO contact).

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