Privacy Policy

Last Updated: February 17, 2026

PayDLT ("we," "us," or "our") is operated by StackStats Apps LLC. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our stablecoin payroll platform and services.

1. Information We Collect

Information You Provide

• Account Information: Name, email address, company name, business details
• Payment Information: XRPL wallet addresses, contractor details, payment amounts, and schedules
• Tax Information: W-9 forms, EIN/SSN for US contractors (as required for 1099 generation)
• Communications: Messages you send through our contact forms or support channels
• Verification Data: Identity verification information as required for compliance

Information Automatically Collected

• Usage Data: Pages viewed, features used, time spent on platform
• Device Information: IP address, browser type, operating system, device identifiers
• Transaction Data: XRPL transaction hashes, payment timestamps, token types
• Cookies and Tracking: We use cookies to maintain sessions and improve user experience

Public Blockchain Data

All transactions processed through PayDLT are recorded on the XRP Ledger, a public blockchain. Transaction details including wallet addresses, amounts, and timestamps are permanently visible on the public ledger.

2. How We Use Your Information

We use collected information for the following purposes:

• Service Delivery: Process payroll, send payments, manage contractor accounts
• Account Management: Create and maintain your account, authenticate users
• Tax Compliance: Generate 1099-NEC forms and maintain records as required by law
• Customer Support: Respond to inquiries, resolve issues, provide assistance
• Platform Improvement: Analyze usage patterns, develop new features, enhance security
• Legal Compliance: Meet regulatory obligations, prevent fraud, enforce terms
• Communications: Send service updates, security alerts, and (with consent) marketing messages

3. Information Sharing and Disclosure

We do not sell your personal information. We may share information in the following circumstances:

With Your Consent

We share information when you explicitly authorize us to do so.

Service Providers

We work with third-party service providers who perform services on our behalf:

• Blockchain Infrastructure: XRPL nodes and API providers for transaction processing
• Email Services: For transactional emails and communications
• Analytics: To understand platform usage and improve services
• Payment Processing: For subscription billing (credit cards processed by third-party processors)

Legal Requirements

We may disclose information if required by law, regulation, legal process, or government request, including:

• Compliance with tax reporting obligations (IRS, state tax authorities)
• Response to subpoenas or court orders
• Anti-money laundering (AML) and Know Your Customer (KYC) requirements
• Protection of our rights, property, or safety

Business Transfers

If PayDLT is acquired, merged, or undergoes a business transfer, your information may be transferred as part of that transaction.

Public Blockchain

Transaction data recorded on the XRP Ledger is publicly accessible and cannot be deleted or modified.

4. Data Security

We implement appropriate technical and organizational measures to protect your information:

• Encryption: Data in transit is encrypted using TLS/SSL
• Access Controls: Strict internal access policies and authentication requirements
• No Private Key Storage: We never store your XRPL private keys. You maintain full custody.
• Regular Audits: Periodic security reviews and vulnerability assessments
• Secure Infrastructure: Industry-standard hosting and database security

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Data Retention

We retain your information for as long as necessary to:

• Provide our services and maintain your account
• Comply with legal obligations (e.g., tax records must be kept for 7 years)
• Resolve disputes and enforce agreements
• Meet regulatory requirements for financial services

When you close your account, we will delete or anonymize your personal information within 30 days, except where retention is required by law.

6. Your Rights and Choices

Depending on your location, you may have the following rights:

Access and Portability

Request a copy of your personal information in a structured, machine-readable format.

Correction

Update or correct inaccurate information through your account settings or by contacting us.

Deletion

Request deletion of your personal information, subject to legal retention requirements.

Opt-Out

• Marketing: Unsubscribe from promotional emails via the link in each message
• Cookies: Adjust your browser settings to refuse cookies (may affect functionality)

Do Not Sell

We do not sell personal information. If you are a California resident, you have the right to opt out of the sale of personal information under CCPA.

To exercise these rights, contact us at support@stackstatsapps.com.

7. International Users

PayDLT is operated from the United States. If you are located outside the U.S., your information will be transferred to and processed in the United States, which may have different data protection laws than your country.

8. Children's Privacy

PayDLT is not intended for individuals under the age of 18. We do not knowingly collect information from children. If we learn we have collected information from a child, we will delete it promptly.

9. Third-Party Links

Our platform may contain links to third-party websites and services (e.g., XRPL explorers, wallet providers). We are not responsible for their privacy practices. Review their privacy policies before providing information.

10. Cookie Policy

We use the following types of cookies:

• Essential Cookies: Required for platform functionality (authentication, sessions)
• Analytics Cookies: Help us understand how users interact with our platform
• Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. Disabling essential cookies may prevent you from using certain features.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes by:

• Posting the updated policy on this page with a new "Last Updated" date
• Sending an email notification to registered users
• Displaying a prominent notice on our platform

Your continued use of PayDLT after changes are posted constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us:

StackStats Apps LLC
Email: support@stackstatsapps.com
Website: https://stackstatsapps.com

13. State-Specific Privacy Rights

California Residents (CCPA/CPRA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected, used, and shared
• Right to delete personal information (with exceptions)
• Right to opt out of the sale of personal information (we don't sell data)
• Right to non-discrimination for exercising CCPA rights

European Users (GDPR)

If you are in the European Economic Area, you have rights under the General Data Protection Regulation, including data portability, correction, and erasure. Contact us to exercise these rights.

Nevada Residents

Nevada residents may opt out of the sale of personal information. We do not sell personal information as defined by Nevada law.

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This Privacy Policy is effective as of the date listed above and applies to all users of PayDLT services.