Privacy Policy

INTRODUCTION
We at Crossroads Events Inc. (“Company”, “we”, “us”, or “our”) understand that our users care about how their Personal Data (as defined below) is handled. This Privacy Policy describes our data processing activities and practices when visitors and users access or use Crossroads Events Inc, our related websites, services, functionalities, applications, software, API(s), subscription plans, products, and content.

Please take a moment to read this Privacy Policy carefully. You may contact us in the manner stated in this Privacy Policy if you have any questions.

This Privacy Policy supplements but does not supersede nor replace any other consents you may have previously provided to us in respect of your Personal Data, and any consents you may have provided in connection with this Privacy Policy are cumulative and additional to any rights which we may have under applicable law to handle or process your Personal Data.

We reserve the right to revise this Privacy Policy from time to time. While you should regularly check this Privacy Policy and determine if any such revision has taken place by referring to the date on which this Privacy Policy was last updated, we may also notify you of updates to this Privacy Policy in any form as we may deem appropriate or, where required by applicable law, by posting a notice or reaching you via other forms of communication.

‍ACCEPTANCE OF THIS PRIVACY POLICY
By interacting with us, submitting information to us, or signing up for any of our products or services on our websites, you agree and consent to our processing of your Personal Data, including by our authorised service providers, in the manner and for any of our purposes set forth in this Privacy Policy.

If you do not agree with or you are not comfortable with any aspect of this Privacy Policy, you should immediately discontinue access or use of our websites and services.‍

COLLECTION OF PERSONAL DATA‍
"Personal Data" means: (a) any data relating to an identified or identifiable natural person; or (b) “personal data,” “personal information,” “personally identifiable information” or similar term as defined under applicable data protection laws.

The amount and types of Personal Data that we collect and process depends on the nature of your interaction with us. Generally, we may collect and process the following:

Account and profile information, such as email addresses, passwords and/or blockchain wallet addresses;
Technical information and usage data, such as statistical and site-related information relating to how a visitor arrived at our websites or platforms, the IP address which may provide information about precise or approximate location, device information, clickstream information and time stamp, and information about how you use our websites and services. We may automatically receive and record such information from our server logs or cookies. For more information, please see the section on Cookies below;
Marketing and communications data, such as your preferences in receiving marketing messages from us, your communication preferences and history of communications with us, our service providers or third parties; and/or
Other information, which may include your participation in our contests, promotions, or surveys, and photographs, videos and/or audio recordings taken by us or our representatives.
We may also collect and process information from third-party sources, which may include public records, social media platforms, and blockchain data about records or histories of transactions occurring on the applicable blockchain for a blockchain wallet address.

We may also offer features that help users invite or refer their friends or contacts to use our services, and we may collect Personal Data (such as contact details) about these invitees or referrals so we can reach out to them. Please do not refer someone to us or share their contact details or Personal Data with us unless you have their permission or consent to do so.

‍PURPOSES FOR PROCESSING OF YOUR PERSONAL DATA
Where permitted under applicable law, we process your Personal Data for the following purposes (which may apply even if you do not maintain an account or have terminated your account with us):

providing you with products and/or services which you have purchased or requested to receive, and to personalise and customise your experience on our services, including to recommend features or content which may be relevant to you based on your usage of our services, your profile information and preferences, and other information that you submitted to us;
for the development and improvement of our products, services, processes and/or business, such as through the use of technical and usage data, as well as aggregated, de-identified, and/or anonymized data to understand user behaviour and market trends;
to communicate with you, such as notifying you of any service issues and account updates, handling and responding to your queries, requests, feedback and suggestions, or sending you direct marketing messages or interest-based advertising, when carried out in our legitimate interests or in accordance with applicable law;
managing our business operations and complying with internal policies and procedures, including but not limited to keeping records for tax purposes, managing and preparing reports on incidents and accidents, protecting and enforcing our contractual and legal rights and obligations, and facilitating business asset transactions;
complying with any applicable laws and regulations, rules, codes of practice or guidelines, or to assist in law enforcement and investigations by relevant authorities;
facilitating your account registration and transactions, whether through verifying your blockchain wallet address or otherwise;
matching any Personal Data held which relates to you for any of the purposes listed herein; and/or
any other purpose relating to or reasonably necessary for any of the above.
In relation to particular products or services or in your interactions with us, we may also have provided additional "just-in-time" disclosures or specifically notified you of other purposes for which we process your Personal Data. These notices may supplement or clarify our privacy practices or may provide you with additional choices about how we process your Personal Data for these purposes as well.

‍DISCLOSURE OF PERSONAL DATA‍
Subject to applicable law, your Personal Data may be provided, for the purposes listed above (where applicable), to the following entities or parties, whether they are located overseas or in Panama:

vendors, agents, service providers and other organisations who we engage to provide goods and services either independently or on our behalf in connection with any of the purposes listed above in this Privacy Policy, such as payment processors, cloud service providers, analytics and search engine providers, marketing partners, and customer support;
any business partner, investor, assignee or transferee (actual or prospective) to facilitate business asset transactions (which may extend to any merger, acquisition or any debt or asset sale);
any other party to whom you authorise us to disclose your Personal Data to.

THIRD-PARTY SITES
Our websites and services may contain links to other websites or services operated or provided by third parties. We are not responsible for the privacy practices of such websites or services operated or provided by third parties, whether or not these third party websites or services may carry our logo or trademark even though they are not operated or maintained by us. Once you have left our websites or services, you should check the applicable privacy policy of the third party website or service to determine how they will handle any information they collect from you.

DATA SECURITY
We have implemented technical and organizational measures designed to protect your Personal Data from unauthorized access, use, or disclosure. However, please be aware that no method of transmission over the internet or method of electronic storage is completely secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security, or that no malicious attacker or harmful code will enter or target our websites or services (for example, viruses, bugs, trojan horses, spyware or adware).

‍CHILDREN
Our website is not intended for use by anyone under 18 years of age. If you are a parent or guardian of a child from whom you believe we have collected Personal Data in a manner prohibited by law, please contact us. If we learn that we have collected Personal Data from a child without the consent of the child’s parent or guardian as required by law, we will comply with applicable legal requirements to delete the information.

‍COOKIES
Cookies are small text files stored in your browser's file directory when you visit our websites and platforms, so that the next time you visit our website or platform, your browser will read the cookie and relay the information back to us or third party companies which provide us with web analytics and intelligence about our websites and platforms.

Our websites and platforms may use cookies as follows:

as necessary in order to enable our websites and platforms to operate, for example, to enable you to log onto secure parts of our websites and platforms;
to collate information on your search and browsing history within our websites and platforms in order to better tailor our products and services to your interests and needs, such as to personalise the websites and platforms for you and deliver prompts which may be of particular interest to you;
to track and compile statistics about visitors who interact with the websites, platforms and other Crossroads Events Inc online content; and/or
making our websites and platforms easier to use, for example, to help speed up your future interactions with our websites and platforms by storing your selected inputs so that you are not constantly asked for the same information.

YOUR CHOICES
Most browsers let you remove or reject cookies. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. Please note that if you delete or disable the cookies associated with our websites and platforms by changing the settings on your browser, this may impact your user experience while on our websites or platforms, including but not limited to your ability to enter or use certain part(s) of our websites or platforms. For more information about cookies, including how to see what cookies have been set on your browser and how to manage and delete them, visit www.allaboutcookies.org.

Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to “Do Not Track” signals. To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com.

If you have registered for an account with us, you may review and update certain account information by logging into your account, or by contacting us in the manner specified below. You should ensure that all Personal Data submitted to us is accurate, true and correct, as failure on your part to do so may affect our ability to provide you with any products and/or services.

WE DO NOT TARGET OUR WEBSITES OR SERVICES AT EUROPEAN INDIVIDUALS
Please note that we do not take any deliberate steps to direct the offering of our websites or services at individuals located in the European Economic Area and/or the United Kingdom (together, “Europe”). For example, we do not accept payment for our services in the currency of any country(ies) in Europe, we do not take any steps to target sales of our services to individuals in Europe, we do not take any ‘search engine optimisation’ related steps intended to facilitate the use, promotion or availability of our websites or services by or to users in Europe etc. ‍

In addition, we do not take any steps to monitor any behaviours of any individuals that we are aware (or have any reasonable means to be aware) occur in Europe. In particular, we do not use any Personal Data (including any such data collected through analytics technologies deployed on the website) in any way that has a specific purpose in mind, whether concerning its initial collection or any further use, that relates to any individual’s behaviour occurring within Europe.

‍CONTACTING US – QUESTIONS, FEEDBACK, AND EXERCISING YOUR RIGHTS
If you:

have any questions or feedback relating to your Personal Data or our Privacy Policy;
would like to obtain access and make corrections to your Personal Data records, subject to applicable law;
would like to withdraw your consent to any processing of your Personal Data or delete your Personal Data, subject to applicable law,
you can email us at support@Step.finance

Please note that if you have provided your Personal Data to a third party, you should contact such third party directly.

While we respect your decision to withdraw your consent to any processing of your Personal Data, please note that depending on the nature of your request, we may not be in a position to continue to provide its products or services to you, administer any contractual relationship already in place, or perform or conclude an existing or prospective agreement. This may also result in the termination of any agreements you have with us, and your being in breach of your contractual obligations or undertakings, and our legal rights and remedies in such events are expressly reserved. Please also note that withdrawing consent does not affect our right to continue to process Personal Data where such processing without consent is permitted or required under applicable laws.

Upon receipt of your written request, we may require reasonable time to process your request and for us to notify you of the consequences of us acceding to the same, including any legal consequences which may affect your rights and liabilities to us. In general, we shall seek to process your request within thirty (30) days of receiving it, and will inform you should we require more time or information from you to process the request (which may depend on the complexity of the request, the rights and exemptions under applicable law, and the impact on our relationship with you).

Data Protection Officer. If you need to reach our Data Protection Officer, you may contact us at support@Step.finance.