RoyalMerit Inc., a California Benefit Corporation (“RoyalMerit,” “Merit,” “we,” “us,” or “our”), operates the website royalmerit.ai and the Merit application (collectively, the “Platform”).

This Privacy Policy explains how we collect, use, disclose, and protect your personal information.

1. SCOPE

This Privacy Policy applies to:

• Visitors of royalmerit.ai
• Users of the Merit mobile application
• Individuals interacting with our services in the United States and internationally

By using the Platform, you consent to the practices described in this Policy.

2. INFORMATION WE COLLECT

We collect the following categories of information:

A. Information You Provide

• Name
• Email address
• Date of birth (if required for eligibility)
• Profile information
• Help requests and related descriptions
• Messages exchanged via the Platform
• Uploaded documents or images
• Feedback and testimonials

B. Financial & Transaction Information

• Transaction amounts
• Payment metadata
• Platform fee amounts

Important: RoyalMerit does not store full credit card numbers. Payment processing is handled by third-party providers (e.g., Stripe).

C. Device & Usage Information

• IP address
• Browser type
• Device identifiers
• App usage data
• Log files

D. Cookies & Tracking Technologies

We use cookies and similar technologies for:

• analytics
• performance monitoring
• fraud prevention
• security

You may control cookies through browser settings.

3. HOW WE USE INFORMATION

We use personal information to:

• Operate and improve the Platform
• Facilitate peer-to-peer assistance
• Process transactions via payment providers
• Communicate with users
• Detect fraud and abuse
• Enforce Terms of Service
• Comply with legal obligations
• Provide customer support

We do not use personal data for unlawful profiling or automated decision-making with legal effects.

4. PAYMENT PROCESSORS

Financial transactions are processed through licensed third-party providers (e.g., Stripe).

These providers may collect and process personal information in accordance with their own privacy policies.

RoyalMerit acts as a limited payment facilitation platform and does not function as a bank or financial institution.

5. SHARING OF INFORMATION

We may share information:

A. With Service Providers

• Hosting providers
• Cloud storage services
• Fraud monitoring services
• Payment processors

B. For Legal Compliance

If required by law, regulation, subpoena, or legal process.

C. To Protect Rights & Safety

If necessary to:

• prevent fraud
• investigate misuse
• protect users
• protect RoyalMerit’s legal interests

D. Business Transfers

In case of merger, acquisition, or asset sale.

We do not sell personal information to third parties.

6. USER-GENERATED CONTENT

Information you post on the Platform (e.g., help requests, comments, testimonials) may be visible to other users.

You are responsible for the content you choose to share.

7. DATA RETENTION

We retain personal information:

• as long as necessary to provide services
• to comply with legal obligations
• to resolve disputes
• to enforce agreements

We may retain certain records for fraud prevention or regulatory compliance.

8. DATA SECURITY

We implement commercially reasonable technical and organizational safeguards to protect personal information.

However, no method of transmission or storage is 100% secure.

9. AGE RESTRICTIONS

The Platform is intended for individuals aged 18 or older.

We do not knowingly collect personal information from children under 13.

If we learn that information from a child under 13 has been collected, we will delete it.

Parents who believe their child has submitted information may contact us.

10. CALIFORNIA PRIVACY RIGHTS (CCPA)

California residents have the right to:

• Request access to personal information
• Request deletion of personal information
• Request correction of inaccurate data
• Know categories of data collected
• Opt out of sale of personal information

RoyalMerit does not sell personal information.

Requests may be submitted via: andrei@royalmerit.ai

We will verify identity before fulfilling requests.

11. EUROPEAN USERS (GDPR NOTICE)

If you are located in the European Economic Area (EEA), we process personal data based on:

• Contractual necessity
• Legitimate interests
• Legal compliance
• User consent

EEA users may request:

• Access
• Rectification
• Erasure
• Restriction
• Data portability
• Objection to processing

We may transfer data to the United States, subject to appropriate safeguards.

12. MARKETING COMMUNICATIONS

We may send service-related communications.

Users may opt out of promotional messages at any time via unsubscribe links or account settings.

13. THIRD-PARTY LINKS

The Platform may contain links to third-party websites.

RoyalMerit is not responsible for third-party privacy practices.

14. CHANGES TO THIS POLICY

We may update this Privacy Policy.

The updated version will be posted with a revised “Last Updated” date.

Continued use of the Platform constitutes acceptance of changes.

15. CONTACT

RoyalMerit Inc.
Email: andrei@royalmerit.ai
Website: https://royalmerit.ai