Privacy Policy

Effective Date: Jan 10, 2025

Solarium Labs Inc. ("Margin," "we," "us," or "our") respects your privacy and is committed to protecting your Personal Information. This Privacy Policy ("Policy") describes in detail our practices concerning the information we collect or receive when you access our website at Margin.money ("Website") or utilize our online platform through a partner website (collectively, the "Services"). Specifically, this Policy outlines the types of information collected, purposes of its use, methods of storage, duration of retention, sharing practices, utilization of tracking technologies, our security measures, your rights concerning such information, our policies related to minors, and contact methods for privacy-related inquiries.

Please read this Privacy Policy thoroughly. By accessing or using our Services, you expressly acknowledge that you have read, understand, and agree to this Policy. If you do not consent to this Policy, you must refrain from using our Services.

1. Information We Collect

We collect the following categories of information, which, when capable of identifying an individual or linked to such identifying information, constitute "Personal Information":

Information You Provide:

• Your name, email address, phone number, and hashed password when creating an account or contacting us.
• Payment-related information, vendor details, and transaction preferences when engaging in payment transactions via our Services.

Information Collected Automatically:

• Technical and usage data including GPS/GNSS location, IP addresses, connectivity data (Wi-Fi networks, cellular towers), device identifiers, operating system, browser type, and version.
• Detailed logs of your interactions with our Services, performance metrics, errors, and bug reports.

Information from Third Parties:

• Marketing, demographic, and additional relevant information from external third-party sources to enhance and personalize your user experience.

2. Use of Your Information

We use your Personal Information for the following explicit purposes:

• To provide, maintain, and improve our Services.
• To authenticate your identity and facilitate your access to our Services.
• To deliver effective customer support and manage inquiries.
• To personalize and enhance your user experience.
• To communicate with you about our Services, promotional offers, and updates.
• To enforce our terms and conditions and comply with applicable legal obligations.
• To enhance data security measures and prevent fraud and other illicit activities.
• For aggregated data analysis to optimize and improve the functionality and performance of our Services.

3. Sharing Your Information

We may disclose your Personal Information under the following circumstances:

• Transaction Parties: Sharing with businesses and entities involved in your transactions.
• Margin Partners: Sharing with partners whose platforms facilitate your access to our Services.
• Service Providers: Sharing with selected third-party service providers who perform functions complementary to our Services, including hosting, analytics, marketing, cybersecurity, and payment processing.
• Affiliates and Subsidiaries: Sharing within our corporate group for the purposes described in this Policy.
• Business Transfers: Disclosing your information in connection with corporate restructuring events such as mergers, acquisitions, or asset transfers.
• Legal and Compliance: Disclosures mandated by subpoenas, court orders, or legal requirements.
• Protection Measures: Sharing information when necessary to protect the safety, rights, or property of Margin, our users, or the public.
• With Your Consent: Sharing as explicitly authorized by you.

4. Data Storage, Retention, and Security

• Your information may be processed and stored in the United States and other jurisdictions where we, our affiliates, or service providers maintain operations.
• We retain your Personal Information for as long as necessary to fulfill the purposes described herein, comply with applicable legal obligations, resolve disputes, and enforce our agreements.
• We implement comprehensive administrative, technical, and physical security measures (such as SSL/TLS encryption and restricted access) to protect your Personal Information from unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is entirely secure, and we disclaim liability for unauthorized data access.

5. Cookies and Tracking Technologies

We use cookies, session trackers, and web beacons for:

• Enhanced functionality and user experience.
• Detailed usage analytics to facilitate continuous improvement of our Services.
• Personalized content and targeted communications.

You may manage cookie settings via your browser; however, disabling these technologies may affect certain features of our Services.

6. Managing Communications Preferences

You have the option to opt-out of receiving promotional communications via instructions included in such communications or by contacting us. Processing of opt-out requests may take up to ten (10) business days.

Push notifications can be disabled via your device settings.

7. Accessing, Updating, and Correcting Your Information

Registered users may access, update, and correct their Personal Information via account settings. Third-party individuals must contact the relevant Margin customer to manage their data.

8. Social Media and Third-Party Services

Interactions on third-party social media platforms are subject to their respective privacy policies. We advise caution when sharing sensitive information publicly on these platforms.

Third-party websites linked to or accessed via our Services are governed by their own privacy policies and practices, for which we bear no responsibility.

9. Do-Not-Track Signals

We currently do not respond to browser "Do Not Track" signals.

10. Children’s Privacy

Our Services are not directed to children under 13 years of age, and we do not knowingly collect information from individuals under 13. Upon discovering any such information, we will promptly delete it.

11. California Privacy Rights

Residents of California have specific privacy rights, including:

• Rights to access and information about Personal Information collected.
• Rights to correct inaccuracies and request deletion of Personal Information.
• Right to opt-out of selling or sharing Personal Information.
• Right to non-discriminatory treatment following privacy rights exercises.

California residents may exercise these rights by contacting us through the methods specified under the "Contact Us" section below.

12. Rights Under Other State Privacy Laws

Residents of other states with applicable privacy laws have similar rights to access, correct, or delete their Personal Information. Requests can be made through methods detailed under "Contact Us."

13. Contact Us

14. Changes to This Privacy Policy

We may periodically revise this Privacy Policy and will update the "Effective Date" accordingly. Significant changes will be communicated via email, prominent website notices, or directly through our Services. Continued use of the Services following any updates constitutes acceptance of the revised Policy.