{"id":190,"date":"2026-09-21T07:47:47","date_gmt":"2026-09-21T07:47:47","guid":{"rendered":"https:\/\/silvarstain.com\/?page_id=190"},"modified":"2026-10-15T23:02:08","modified_gmt":"2026-10-15T23:02:08","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/silvarstain.com\/index.php\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"190\" class=\"elementor elementor-190\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9924f31 e-con e-atomic-element e-flexbox-base e-1173c43 \" data-id=\"9924f31\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9924f31\" data-e-type=\"e-flexbox\" data-id=\"9924f31\">\n    \t\t<div class=\"elementor-element elementor-element-d1348cb elementor-widget elementor-widget-html\" data-id=\"d1348cb\" data-element_type=\"widget\" data-e-type=\"widget\" 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.3s}\r\n.section:hover{border-color:#1a7a4a;box-shadow:0 12px 28px rgba(0,0,0,.05);transform:translateY(-2px)}\r\n.section h2{font-size:18px;font-weight:900;margin:0 0 8px;letter-spacing:-.5px;display:flex;align-items:center;gap:10px}\r\n.section h2 .num{width:28px;height:28px;background:#1e2e2e;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;flex-shrink:0}\r\n.section:hover h2 .num{background:#1a7a4a}\r\n.section h3{font-size:14px;font-weight:800;margin:16px 0 6px;color:#1e2e2e}\r\n.section p,.section li{font-size:13px;color:#4a5a54;line-height:1.6}\r\n.section ul{margin:8px 0;padding-left:18px}\r\n.section li{margin:5px 0}\r\n.highlight{background:#fdfbf7;border:1px solid #eee9df;border-radius:10px;padding:12px;margin:10px 0;font-size:12px}\r\n.highlight b{color:#1e2e2e}\r\n.code{font-family:monospace;background:#eef4f0;color:#1a7a4a;padding:2px 7px;border-radius:6px;font-size:11px;font-weight:800;letter-spacing:.5px}\r\n\r\n.dark{background:#111a14;border-radius:16px;padding:18px;color:#c8ddd3;margin:14px 0}\r\n.dark h3{color:#fff;font-size:14px;font-weight:800;margin:0 0 8px}\r\n.dark p{color:#a9bfb6;font-size:12px}\r\n.dark li{color:#a9bfb6}\r\n<\/style>\r\n\r\n<div class=\"sf-privacy\">\r\n  <div class=\"hero\">\r\n    <div style=\"display:inline-block;background:rgba(111,220,159,.15);border:1px solid rgba(111,220,159,.25);color:#6fdc9f;padding:5px 12px;border-radius:100px;font-size:9px;font-weight:800;letter-spacing:1px;margin-bottom:10px\">LEGAL \u2022 COMPLIANT \u2022 ENCRYPTED<\/div>\r\n    <h1>Privacy Policy<\/h1>\r\n    <p>How Silvarstain Financial collects, uses, and protects your data when you use RF1_ tax refund, MT1_ email transfers, USDC rails, and virtual cards.<\/p>\r\n    <div class=\"meta\">\r\n      <span>\u25cf EFFECTIVE: JAN 1, 2026<\/span>\r\n      <span>\u25cf LAST UPDATED: MAY 13, 2026<\/span>\r\n      <span>\u25cf 256-BIT ENCRYPTION<\/span>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"toc\">\r\n    <h4>\ud83d\udcd1 Quick Navigation \u2014 Click to Jump<\/h4>\r\n    <div class=\"toc-grid\">\r\n      <a href=\"#1\">1. Information We Collect<\/a>\r\n      <a href=\"#2\">2. How We Use Your Information<\/a>\r\n      <a href=\"#3\">3. RF1_ Tax Refund Data (W-2, ID, Form 8821)<\/a>\r\n      <a href=\"#4\">4. MT1_ Transfer & USDC Data<\/a>\r\n      <a href=\"#5\">5. Sharing & Disclosure<\/a>\r\n      <a href=\"#6\">6. Cookies & Tracking<\/a>\r\n      <a href=\"#7\">7. Data Security (Cold Wallet, 2FA)<\/a>\r\n      <a href=\"#8\">8. Your Rights (Access, Delete, Opt-Out)<\/a>\r\n      <a href=\"#9\">9. Data Retention<\/a>\r\n      <a href=\"#10\">10. Children Privacy<\/a>\r\n      <a href=\"#11\">11. International Transfers<\/a>\r\n      <a href=\"#12\">12. Contact Us<\/a>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div id=\"1\" class=\"section\">\r\n    <h2><span class=\"num\">1<\/span> Information We Collect<\/h2>\r\n    <p>We collect information to provide RF1_ tax refund processing, MT1_ email transfers, USDC settlement, and virtual card services. We minimize data collection to what is necessary for compliance and functionality.<\/p>\r\n    <h3>A. Personal Information You Provide:<\/h3>\r\n    <ul>\r\n      <li><b>Identity:<\/b> Full name, date of birth, government ID (driver's license\/passport), SSN\/ITIN for tax filing, selfie for liveness check<\/li>\r\n      <li><b>Tax Documents:<\/b> W-2, 1099, prior tax returns, income information \u2014 only for RF1_ refund processing via Form 8821<\/li>\r\n      <li><b>Contact:<\/b> Email, phone number, mailing address<\/li>\r\n      <li><b>Financial:<\/b> Bank account for MT1_ withdrawal, USDC wallet address, transaction history, RF1_ <span class=\"code\">RF1_XXXXXX<\/span> and MT1_ <span class=\"code\">MT1_XXXXXX<\/span> codes<\/li>\r\n      <li><b>Account:<\/b> Username, password (encrypted), 2FA codes, support messages<\/li>\r\n    <\/ul>\r\n    <h3>B. Automatically Collected:<\/h3>\r\n    <ul>\r\n      <li>IP address, device type, browser, OS, login timestamps, pages visited, MT1_\/RF1_ tracking events<\/li>\r\n      <li>USDC transaction hashes, virtual card usage metadata (merchant type, not full card number)<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n\r\n  <div id=\"2\" class=\"section\">\r\n    <h2><span class=\"num\">2<\/span> How We Use Your Information<\/h2>\r\n    <ul>\r\n      <li><b>To Provide Services:<\/b> Process RF1_ tax refunds (prepare, file, track, auto-credit), generate MT1_ codes with verifiable hash, settle USDC, issue virtual cards<\/li>\r\n      <li><b>Compliance:<\/b> KYC\/AML verification, fraud prevention, FinCEN compliance, IRS Form 8821 authorization<\/li>\r\n      <li><b>Communication:<\/b> Send RF1_ status updates (Filed \u2192 Accepted \u2192 Approved \u2192 Credited), MT1_ claim emails, security alerts, support replies \u2014 response under 2 hours<\/li>\r\n      <li><b>Improvement:<\/b> Analyze usage to improve settlement speed (benchmark < 60 seconds), fix bugs, develop new rails<\/li>\r\n      <li><b>Legal:<\/b> Respond to lawful requests, enforce Terms of Service, prevent fraud<\/li>\r\n    <\/ul>\r\n    <div class=\"highlight\"><b>We never sell your personal data.<\/b> Your SSN, ID, W-2, and tax information are used only for authorized tax filing and KYC, never for marketing.<\/div>\r\n  <\/div>\r\n\r\n  <div id=\"3\" class=\"section\">\r\n    <h2><span class=\"num\">3<\/span> RF1_ Tax Refund Data \u2014 Special Protection<\/h2>\r\n    <p>When you use our tax refund service, you upload sensitive documents. We apply extra protection:<\/p>\r\n    <ul>\r\n      <li>Uploads encrypted with 256-bit SSL in transit and AES-256 at rest<\/li>\r\n      <li>Stored in isolated encrypted bucket, access logged, only licensed CPA partners + authorized system can access<\/li>\r\n      <li>Form 8821 e-signature authorizes us as your designee only for tax information \u2014 not unlimited power of attorney<\/li>\r\n      <li>After IRS approval and auto-credit of RF1_ <span class=\"code\">RF1_4K2Z91<\/span>, tax docs retained per IRS record-keeping (3 years) then securely deleted<\/li>\r\n      <li>We are not the IRS. Refund amount depends on IRS approval. Fee disclosed upfront before authorization<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n\r\n  <div id=\"4\" class=\"section\">\r\n    <h2><span class=\"num\">4<\/span> MT1_ Transfer & USDC Data<\/h2>\r\n    <ul>\r\n      <li><b>MT1_ Codes:<\/b> <span class=\"code\">MT1_XXXXXX<\/span> is unique, non-guessable. We store sender email, recipient email, amount, timestamp, hash for audit trail. Recipient can claim with email verification only<\/li>\r\n      <li><b>USDC:<\/b> Wallet addresses and transaction hashes are stored. USDC is stable: 1 USDC = $1.00. We do not hold private keys for your self-custody wallet if you withdraw on-chain \u2014 you control it<\/li>\r\n      <li><b>Virtual Cards:<\/b> We store last 4 digits, expiry, merchant type, amount. Full card number tokenized with PCI-compliant issuer partner \u2014 we never store full PAN<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n\r\n  <div id=\"5\" class=\"section\">\r\n    <h2><span class=\"num\">5<\/span> Sharing & Disclosure<\/h2>\r\n    <p>We share data only when necessary to provide services or comply with law:<\/p>\r\n    <ul>\r\n      <li><b>Licensed Tax Partners:<\/b> CPA firm for RF1_ filing (bound by confidentiality, only data needed to file)<\/li>\r\n      <li><b>Partner Banks & Issuers:<\/b> For MT1_ bank withdrawal and virtual card issuance (bank account, amount, KYC status only)<\/li>\r\n      <li><b>Blockchain:<\/b> USDC transaction hashes are public on-chain by nature \u2014 amount + addresses visible on explorer, but not your name<\/li>\r\n      <li><b>Service Providers:<\/b> KYC verification (ID verification provider), email delivery (for MT1_ claim emails), cloud hosting (encrypted)<\/li>\r\n      <li><b>Legal:<\/b> If required by subpoena, court order, FinCEN, IRS, or to prevent fraud\/money laundering<\/li>\r\n    <\/ul>\r\n    <div class=\"highlight\"><b>We do NOT share<\/b> your SSN, W-2, ID images, or full tax returns with marketing companies or for advertising.<\/div>\r\n  <\/div>\r\n\r\n  <div id=\"6\" class=\"section\">\r\n    <h2><span class=\"num\">6<\/span> Cookies & Tracking<\/h2>\r\n    <ul>\r\n      <li><b>Essential Cookies:<\/b> Login session, 2FA, RF1_\/MT1_ dashboard tracking \u2014 required for service<\/li>\r\n      <li><b>Analytics:<\/b> Anonymous usage (pages visited, settlement time) via privacy-focused analytics \u2014 no personal ID<\/li>\r\n      <li><b>No Ad Tracking:<\/b> We do not use third-party ad trackers that sell your data<\/li>\r\n      <li>You can disable non-essential cookies in browser \u2014 essential cookies required for login and MT1_ claim links<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n\r\n  <div class=\"dark\">\r\n    <h3 id=\"7\">\ud83d\udd12 7. Data Security \u2014 How We Protect You<\/h3>\r\n    <ul>\r\n      <li><b>Encryption:<\/b> 256-bit TLS in transit, AES-256 at rest, encrypted database<\/li>\r\n      <li><b>2FA:<\/b> Mandatory for withdrawals over $500 and for changing email\/password<\/li>\r\n      <li><b>Cold Storage:<\/b> 95% of USDC funds in multi-sig offline cold wallets \u2014 hot wallet only for instant operations<\/li>\r\n      <li><b>Access Control:<\/b> Role-based access, audit logs for every access to RF1_ tax docs, employee background checks<\/li>\r\n      <li><b>Monitoring:<\/b> 24\/7 fraud monitoring, transaction velocity checks for MT1_ transfers<\/li>\r\n    <\/ul>\r\n    <p>No system is 100% secure. We follow industry best practices but cannot guarantee absolute security. Notify us immediately at support@silvarstain.com if you suspect unauthorized access.<\/p>\r\n  <\/div>\r\n\r\n  <div id=\"8\" class=\"section\">\r\n    <h2><span class=\"num\">8<\/span> Your Rights<\/h2>\r\n    <ul>\r\n      <li><b>Access:<\/b> Request copy of data we hold about you (ID, transactions, RF1_\/MT1_ codes)<\/li>\r\n      <li><b>Correction:<\/b> Update inaccurate info in dashboard or via support<\/li>\r\n      <li><b>Deletion:<\/b> Request deletion of account \u2014 subject to IRS 3-year record retention for tax filings and FinCEN 5-year AML retention. USDC transaction hashes on blockchain cannot be deleted (public by nature)<\/li>\r\n      <li><b>Opt-Out:<\/b> Unsubscribe from non-essential emails (MT1_ claim and RF1_ status emails are essential, cannot opt-out while using service)<\/li>\r\n      <li><b>Data Portability:<\/b> Request export of your transaction history in CSV<\/li>\r\n      <li>To exercise rights, email support@silvarstain.com with subject \"Privacy Request \u2014 [Your Request]\" + include your registered email and RF1_\/MT1_ code if applicable for verification<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n\r\n  <div id=\"9\" class=\"section\">\r\n    <h2><span class=\"num\">9<\/span> Data Retention<\/h2>\r\n    <ul>\r\n      <li><b>Tax Docs (RF1_):<\/b> 3 years per IRS record-keeping requirement, then secure deletion<\/li>\r\n      <li><b>KYC\/AML:<\/b> 5 years per FinCEN guidance after account closure<\/li>\r\n      <li><b>Transactions (MT1_\/USDC):<\/b> 5 years for audit trail, then anonymized<\/li>\r\n      <li><b>Support Messages:<\/b> 2 years, then deleted<\/li>\r\n      <li>After retention period, data is securely erased or anonymized<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n\r\n  <div id=\"10\" class=\"section\">\r\n    <h2><span class=\"num\">10<\/span> Children Privacy<\/h2>\r\n    <p>Silvarstain Financial is not intended for individuals under 18 years old. We do not knowingly collect data from children under 18. If we learn we have collected such data, we will delete it. Tax refund service requires you to be 18+ to sign Form 8821.<\/p>\r\n  <\/div>\r\n\r\n  <div id=\"11\" class=\"section\">\r\n    <h2><span class=\"num\">11<\/span> International Data Transfers<\/h2>\r\n    <p>We are a US company. Data is stored in US data centers. If you use our service from outside US (we support 100+ countries for MT1_), your data will be transferred to and processed in the US under US laws. We apply same 256-bit encryption and security standards globally. USDC transactions are global by nature \u2014 hashes visible on blockchain explorers worldwide.<\/p>\r\n  <\/div>\r\n\r\n  <div id=\"12\" class=\"section\">\r\n    <h2><span class=\"num\">12<\/span> Contact Us & Changes<\/h2>\r\n    <p>If you have questions about this Privacy Policy or want to exercise rights:<\/p>\r\n    <div class=\"highlight\">\r\n      <b>Email:<\/b> support@silvarstain.com<br>\r\n      <b>Subject Line:<\/b> Privacy Request \u2014 [Access \/ Deletion \/ Question]<br>\r\n      <b>Include:<\/b> Registered email + RF1_ or MT1_ code for fast verification<br>\r\n      <b>Response:<\/b> Under 2 hours average, 24\/7 dashboard chat available\r\n    <\/div>\r\n    <p>We may update this Privacy Policy to reflect new products (e.g., new MT1_ features) or legal requirements. We will notify you via email and dashboard banner with effective date. Continued use after update means you accept new policy.<\/p>\r\n    <p style=\"font-size:11px;color:#8a9a92;margin-top:12px\">This Privacy Policy does not apply to third-party sites you access via virtual card (e.g., Amazon, Netflix). Their privacy policies apply to purchases made with virtual cards.<\/p>\r\n  <\/div>\r\n\r\n  <div style=\"text-align:center;margin:20px 0 10px;background:#111a14;border-radius:12px;padding:14px\">\r\n    <div style=\"color:#6fdc9f;font-size:11px;font-weight:800;letter-spacing:.8px\">\u00a9 2026 SILVARSTAIN FINANCIAL \u2022 FINTECH \u2022 256-BIT ENCRYPTED \u2022 KYC\/AML COMPLIANT<\/div>\r\n    <div style=\"color:#6b7a72;font-size:10px;margin-top:4px\">We are not the IRS. We provide authorized filing assistance via licensed tax professionals. We are not a bank \u2014 banking services via partners.<\/div>\r\n    <div style=\"margin-top:10px\"><a href=\"https:\/\/silvarstain.com\/index.php\/tax-refund\/\" style=\"background:#1a7a4a;color:#fff;padding:8px 16px;border-radius:100px;font-size:11px;font-weight:800;text-decoration:none;display:inline-block\">Back to Tax Refund Page \u2192<\/a><\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>LEGAL \u2022 COMPLIANT \u2022 ENCRYPTED Privacy Policy How Silvarstain Financial collects, uses, and protects your data when you use RF1_ tax refund, MT1_ email transfers, USDC rails, and virtual cards. \u25cf EFFECTIVE: JAN 1, 2026 \u25cf LAST UPDATED: MAY 13, 2026 \u25cf 256-BIT ENCRYPTION \ud83d\udcd1 Quick Navigation \u2014 Click to Jump 1. Information We Collect [&#8230;]\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_zipai_imported":false,"footnotes":""},"class_list":["post-190","page","type-page","status-publish","hentry"],"spectra_blocks_featured_image_url":null,"spectra_blocks_author_info":{"display_name":"afanyuclive2004","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/0853b7005db26acfc9e8b7d7ee3fe49f4f22658e8729d33b08ea4b9730aaceab?s=96&d=mm&r=g","author_link":"https:\/\/silvarstain.com\/author\/afanyuclive2004\/","description":""},"_links":{"self":[{"href":"https:\/\/silvarstain.com\/index.php\/wp-json\/wp\/v2\/pages\/190","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/silvarstain.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/silvarstain.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/silvarstain.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/silvarstain.com\/index.php\/wp-json\/wp\/v2\/comments?post=190"}],"version-history":[{"count":11,"href":"https:\/\/silvarstain.com\/index.php\/wp-json\/wp\/v2\/pages\/190\/revisions"}],"predecessor-version":[{"id":313,"href":"https:\/\/silvarstain.com\/index.php\/wp-json\/wp\/v2\/pages\/190\/revisions\/313"}],"wp:attachment":[{"href":"https:\/\/silvarstain.com\/index.php\/wp-json\/wp\/v2\/media?parent=190"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}