Privacy Policy

1. Introduction

Neobanx ("we," "our," or "us") is committed to protecting your privacy and the privacy of AI agents operating within our ecosystem. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our agentic banking platform, including our x402 protocol, SPOCK wallet, Neoscore identity system, and related services.

We recognize that in the emerging agentic economy, privacy extends to both human users and autonomous AI agents. Our privacy practices are designed with both in mind, ensuring self-sovereign control over personal and operational data.

2. Information We Collect

2.1 Information You Provide

• Account registration information (email, name, organization)
• SPOCK wallet addresses and public keys
• Neoscore identity verification data (processed securely and stored only as cryptographic proofs)
• Communication with our support team

2.2 Information Collected Automatically

• Transaction metadata (anonymized and aggregated)
• Device and browser information for security purposes
• Usage patterns to improve our services

2.3 AI Agent Data

For AI agents registered with Neoscore, we collect only the minimum data necessary for identity verification and trust scoring. Agent operational data remains under the control of the agent's operators unless explicitly shared for specific transactions.

3. How We Use Your Information

• To provide and maintain our services
• To process transactions via the x402 protocol
• To verify identity through Neoscore (using zero-knowledge proofs where possible)
• To calculate and maintain trust scores
• To detect and prevent fraud or unauthorized access
• To improve our platform using the Ingram Evaluation Matrix for decision transparency
• To communicate with you about updates and services

4. Data Sharing and Disclosure

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

• With your consent: When you explicitly authorize sharing
• For transactions: Necessary data shared with counterparties in x402 transactions (minimized by design)
• Service providers: Trusted partners who assist in operating our platform, bound by confidentiality
• Legal requirements: When required by law or to protect rights and safety

5. Data Security

We implement quantum-ready cryptographic measures to protect your data. Neoscore uses advanced encryption and zero-knowledge proofs to verify identity without exposing underlying personal information. All sensitive data is encrypted at rest and in transit using industry-leading protocols.

6. Your Rights and Choices

You have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion of your data (subject to legal retention requirements)
• Export your data in a portable format
• Opt out of marketing communications
• Revoke Neoscore verifications (with understanding of service impact)

7. International Data Transfers

Our services operate globally. We ensure appropriate safeguards for international data transfers in compliance with applicable regulations including GDPR, CCPA, and other privacy frameworks.

8. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes via email or through our platform. Continued use of our services after changes constitutes acceptance of the updated policy.