Privacy Policy

Welcome to YouApp's Privacy Policy

We appreciate that you trust us with your information, and we intend to always keep it that way. We want to make sure that you are aware of and understand the information we collect, why we collect it, how it is used and your choices regarding your information provided. This document may be updated at any time without notice.

1. INTRODUCTION

1.1. YouApp is provided by YouApp Pte. Ltd. YouApp Pte. Ltd. is incorporated in Singapore. YouApp Pte. Ltd. has subsidiaries and affiliates around the world to which it has granted permission to use and operate the YouApp app and services, and those subsidiaries and affiliates may provide parts of the services to you. It is a verified-only app that lets Users pay any DuitNow QR using a non-custodial stablecoin wallet, top up that wallet, send and receive funds, and discover and book local activities offered by Hosts.

1.2. This Privacy Policy establishes the basis on which we may collect, use, disclose or otherwise process Users' Personal Data. This Privacy Policy applies to Personal Data in our possession or under our control, including Personal Data in the possession of organisations which we have engaged to collect, use, disclose and/or process Personal Data for our purposes.

1.3. This Privacy Policy is applicable to all Users, including people who use the wallet and scan to pay, Participants (users who book activities) and Hosts (users who offer activities). If you choose to use our Products or Services, you consent to the collection, use and disclosure of your Personal Data by us for the purposes as set out herein.

2. DEFINITIONS

2.1. In this Privacy Policy:

• "Data Protection Laws" means any applicable law relating to the protection, privacy and security, collection, use, disclosure and/or processing of sensitive or other personally identifiable information, including the PDPA.
• "Personal Data" means all data, whether true or not, about an individual who can be identified (a) from that data, or (b) from that data and other information which we have or are likely to have access to.
• "PDPA" means the Personal Data Protection Act 2012 of Singapore.
• "Products" means products provided by us, including without limitation the YouApp application and platform.
• "Services" means the websites, apps, events, and other services provided by us, including without limitation services provided on or through our Products.
• "User" means an individual who (a) interacts with us (including without limitation by using any of our Services or Products); (b) submits any information (including without limitation any Personal Data) to us; (c) has contacted us through any means to find out more about any of our Products or Services, or (d) may or has, entered into a contract with us for the supply of any Products or Services.

3. PERSONAL DATA WE COLLECT

To provide our Services, including identity verification, the wallet, scan to pay and bookings, we need to collect and process some personal information. The type and amount of information we collect depends on how you use our Services.

3.1 Personal Data You Provide

Depending on which Services you choose and how you interact with us, we may collect:

Account Data:

• Name, email address, phone number
• Login credentials
• Date of birth
• Profile photo

Identity Verification Data (all Users):

YouApp is verified-only. Every User must verify their identity before using features other than browsing. We collect:

• Identity document details and images (MyKad or passport)
• Selfie and liveness check images or video, and the results of the check
• Singpass Myinfo data, where you choose to verify with Singpass. We only receive the data you agree to share through Singpass
• Results of sanctions and anti-money laundering screening

For Hosts - Additional Verification Data:

• Professional certifications and licenses
• Business information and tax details
• Payout details
• Insurance documentation

Activity and Booking Data:

• Activity listings (for Hosts)
• Booking history and preferences
• Reviews and ratings
• Communications between Hosts and Participants

Wallet and Transaction Data:

• Your wallet address and the addresses you send to or receive from
• Top-up history, including the network, stablecoin, amount and conversion details
• Scan to pay history, including merchant details, amounts and fees
• Transfers to and from other Users, cashback and referral rewards
• Booking payments, refunds and payouts

Payment Information:

• Debit/credit card details and DuitNow transfer details used for top-ups or bookings. Card details are handled by licensed payment partners
• Billing address

3.2 Information We Collect Automatically

• Device Information: Device type, operating system, browser type, IP address, and device identifiers and signals we use to prevent fraud and protect accounts
• Usage Data: Pages viewed, features used, search queries, time spent on platform
• Location Data: Approximate location based on IP address; precise location if you grant permission
• Cookies and Similar Technologies: We use cookies to improve your experience and analyze platform usage

3.3 Information from Third Parties

• Social media account information (if you choose to connect your account)
• Payment and e-money partners and payment gateway partners (for example, the status of a payment or settlement)
• Identity verification services (for example, the result of your verification and liveness checks)
• Singpass Myinfo, where you choose to use it
• The wallet provider and the conversion provider (for example, your wallet address and the status of a conversion)
• Sanctions and anti-money laundering screening sources
• Background check providers (for Hosts)

4. HOW WE USE YOUR PERSONAL DATA

We use your Personal Data for the following purposes:

4.1 Providing Our Services

• Creating and managing your account
• Facilitating bookings between Participants and Hosts
• Providing your wallet, top-ups, scan to pay, conversions and transfers through our partners and providers
• Handling booking payments, refunds and payouts
• Calculating and paying cashback and referral rewards
• Enabling communication between users
• Providing customer support

4.2 Safety and Security

• Verifying the identity of every User, and the qualifications of Hosts
• Sanctions and anti-money laundering screening and monitoring
• Preventing fraud and abuse, including by using device data
• Enforcing our Terms of Service and Community Guidelines
• Investigating and resolving disputes
• Complying with legal obligations, including anti-money laundering and counter-financing of terrorism (AML/CFT) laws

4.3 Improving Our Platform

• Analyzing usage patterns and trends
• Developing new features and services
• Personalizing your experience
• Conducting research and surveys

4.4 Marketing and Communications

• Sending you updates about your bookings and account
• Recommending activities based on your interests
• Sending promotional offers (with your consent)
• Notifying you of platform updates

5. HOW WE SHARE YOUR PERSONAL DATA

5.1 With Other Users

When you book an activity, we share necessary information with the Host (such as your name and contact information). Similarly, Hosts' information is shared with Participants who book their activities. When you send funds to, or receive funds from, another User, they may see your name and the transfer details.

5.2 With Service Providers

We share data with trusted third-party service providers who help us operate our platform:

• Identity verification vendors
• Privy, our wallet provider
• Sera, our stablecoin conversion provider
• Licensed payment and e-money partners
• Payment gateway partners
• Sanctions and anti-money laundering screening providers
• Cloud hosting providers
• Customer support tools
• Analytics providers
• Marketing platforms

These parties use your data to provide their services to you and to us, and to meet their own legal obligations. Their own privacy policies may also apply.

5.3 For Legal Reasons

We may disclose your information to regulators, law enforcement and other authorities when required by law, or to:

• Comply with legal processes or government requests
• Meet anti-money laundering, counter-financing of terrorism and sanctions obligations, including reporting suspicious transactions
• Enforce our Terms of Service
• Protect the rights, property, or safety of YouApp, our users, or others
• Investigate fraud or security issues

5.4 Business Transfers

If YouApp is involved in a merger, acquisition, or sale of assets, your Personal Data may be transferred as part of that transaction.

5.5 With Your Consent

We may share your information for other purposes with your explicit consent.

6. YOUR RIGHTS AND CHOICES

You have the following rights regarding your Personal Data:

6.1 Access and Correction

You can access and update most of your Personal Data through your account settings. For additional requests, contact us through our contact form.

6.2 Deletion

You may request deletion of your account and Personal Data. Note that we may retain certain information as required by law or for legitimate business purposes, including identity verification and transaction records we must keep under AML/CFT laws. Transactions recorded on a public blockchain cannot be deleted or changed by us or anyone else.

6.3 Marketing Communications

You can opt out of promotional emails by clicking the unsubscribe link or adjusting your account settings.

6.4 Cookies

You can control cookies through your browser settings, though this may affect platform functionality.

6.5 Data Portability

You may request a copy of your Personal Data in a structured, commonly used format.

7. DATA RETENTION

We retain your Personal Data for as long as necessary to provide our Services and fulfill the purposes described in this Privacy Policy. Retention periods vary depending on:

• The type of data
• The purpose for which it was collected
• Legal and regulatory requirements
• Legitimate business needs

After you delete your account, we may retain certain information for legal compliance, fraud prevention, and resolving disputes. We retain identity verification data and transaction records for as long as required by anti-money laundering and counter-financing of terrorism laws, which may continue after your account is closed.

Stablecoin transactions, including top-ups and transfers, are recorded on a public blockchain. Wallet addresses and transaction details on the blockchain are publicly visible and permanent. We do not control public blockchains.

8. DATA SECURITY

We implement appropriate technical and organizational measures to protect your Personal Data against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments
• Access controls and authentication
• Employee training on data protection
• Incident response procedures

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

9. INTERNATIONAL DATA TRANSFERS

Your Personal Data may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We ensure appropriate safeguards are in place to protect your Personal Data in accordance with this Privacy Policy.

10. CHILDREN'S PRIVACY

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect Personal Data from children. If we become aware that we have collected Personal Data from a child, we will take steps to delete such information.

11. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new Privacy Policy on our platform and updating the "Last updated" date. Your continued use of our Services after changes constitutes acceptance of the updated Privacy Policy.

12. CONTACT US

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

YouApp Pte. Ltd.
Contact us through our contact form
Data Protection Officer: Contact us for privacy matters