Atlas by KT is a global peer-to-peer trust platform operated by Kardashev Technologies ("we," "us," or "KT"). This Privacy Policy explains how we collect, use, share, and protect personal information when you use the Atlas by KT application and all associated features, including deal management, Trust Scores, wallet services, Atlas Hub listings, and the Operator programme (collectively, the "Platform"). By creating an account or using the Platform, you agree to the practices described in this Policy.

1.1 Who We Are

Atlas by KT is operated by Kardashev Technologies. We are a globally operating platform and this Policy applies to all users regardless of where they are located. Where local data protection laws impose additional requirements, we comply with those laws as described in Section 1.9 (Jurisdiction-Specific Provisions).

1.2 Information We Collect

We collect information you provide directly and information generated through your use of the Platform:

• Identity data: Full name, phone number, email address, profile photo, and your unique Atlas ID (ATX-XXXXX).
• Account data: Username, preferred language, currency settings, and account configuration.
• Transaction data: Deal history, deal amounts, deal status, counterparty ATX IDs, delivery OTP codes, and photo proof of delivery.
• Wallet data: Available balance, pending balance, transaction records, withdrawal requests, and linked payout details.
• Trust data: Trust Score, completed deal count, dispute history, and rank designation.
• Location data: Approximate location used to surface nearby users on the Atlas Map, collected only with your explicit consent.
• Device and usage data: IP address, device type, operating system, app version, and interaction logs.
• Operator data: Atlas referral code, referral link activity, and commission records.
• Support communications: Messages submitted through dispute resolution or customer support channels.

1.3 How We Use Your Information

• To create and maintain your Atlas account and ATX ID.
• To facilitate peer-to-peer deals and payment protection.
• To process OTP-based delivery confirmation and release funds accordingly.
• To manage wallet balances, process withdrawals, and calculate Operator commissions.
• To calculate and display Trust Scores and rank designations.
• To verify identity via phone OTP and email authentication at account creation and key actions.
• To detect, investigate, and prevent fraud, abuse, and policy violations.
• To display your approximate location on the Atlas Map when you have consented to this feature.
• To send transactional communications including deal updates, OTP codes, and payout confirmations via push notification, SMS, or email.
• To provide customer support and administer the dispute resolution process.
• To improve the Platform using aggregated and anonymised analytics.
• To comply with applicable legal and regulatory obligations worldwide.

1.4 Sharing of Information

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

• With deal counterparties: Your display name, ATX ID, and Trust Score are visible to the other party in a deal.
• With Operators: If you registered via an Operator referral link, that Operator may see your referral status only — not your financial details or deal content.
• With payment processors: Our integrated payment partners receive only the information necessary to process withdrawals and payouts.
• With communication providers: SMS and email providers process the minimum data required to deliver messages to you.
• With regulators and law enforcement: Where required by applicable law, court order, or to protect the safety and rights of users or third parties.
• With successors: In the event of a merger, acquisition, or sale of assets, your information may be transferred subject to equivalent privacy protections and prior notice to you.

1.5 Data Retention

We retain your personal information for as long as your account is active or as necessary to fulfil the purposes described in this Policy. Financial and transaction records are retained for a minimum of seven (7) years to meet regulatory and compliance obligations. You may request deletion of your account and personal data at any time, subject to these retention requirements.

1.6 Your Rights

Depending on your location, you may have rights including: access to your data, correction of inaccurate data, deletion of your data, portability of your data, objection to certain processing, and withdrawal of consent. To exercise any of these rights, contact us at info@kardashevtechnologies.com. We will respond within 30 days. We may require identity verification before processing your request.

1.7 Security

We implement industry-standard security measures including: encrypted data transmission (TLS), row-level database access controls, HMAC webhook verification, OTP-based deal confirmation, private storage with signed URLs, a validated deal state machine, and an immutable administrative audit log. No system is completely secure. If you suspect unauthorised access to your account, notify us immediately.

1.8 Children

Atlas by KT is not intended for users under 18 years of age. We do not knowingly collect personal information from minors. If you believe a minor has registered an account, contact us immediately.

1.9 Jurisdiction-Specific Provisions

European Economic Area and United Kingdom users: We process your data under the lawful bases of contract performance, legal obligation, legitimate interests, and consent as applicable. You have rights under the GDPR and UK GDPR including the right to lodge a complaint with your local supervisory authority.

Nigerian users: We process your data in accordance with the Nigeria Data Protection Act 2023 (NDPA) and Nigeria Data Protection Regulation (NDPR).

California users: Under the CCPA and CPRA, you have the right to know what personal information we collect, to delete it, and to opt out of its sale (we do not sell personal information).

Other jurisdictions: We comply with applicable local data protection laws in all markets where the Platform operates.

1.10 Changes to This Policy

We may update this Policy from time to time. We will notify you of material changes via the app or by email prior to the changes taking effect. Continued use of the Platform after the updated Policy takes effect constitutes your acceptance.

1.11 Contact

Privacy enquiries: info@kardashevtechnologies.com
Operator: Kardashev Technologies

These Terms of Use ("Terms") are a legally binding agreement between you and Kardashev Technologies ("KT," "we," or "us") governing your access to and use of the Atlas by KT platform, including the mobile application, deal management tools, Atlas Hub listings, wallet services, the Operator programme, and all related features (collectively, the "Platform"). By creating an account or using the Platform, you accept these Terms in full.

2.1 Eligibility

• You must be at least 18 years of age to use Atlas by KT.
• You must have the legal capacity to enter binding agreements in your jurisdiction.
• You must not be subject to sanctions or legal prohibitions that restrict your use of the Platform.
• By using the Platform, you represent that all information you provide is accurate and complete.

2.2 Account Registration

• You agree to provide accurate, complete, and current registration information.
• You are solely responsible for maintaining the security of your account credentials.
• Each individual may hold only one Atlas by KT account. Duplicate accounts may be suspended without notice.
• You must notify us immediately at info@kardashevtechnologies.com if you suspect any unauthorised access to your account.

2.3 The Platform — Permitted Use

Atlas by KT is a global peer-to-peer trust platform enabling secure deals between users. Permitted uses include:

• Creating listings on the Atlas Hub to offer goods or services.
• Entering deals with other users, with payments protected by Atlas.
• Using the Atlas Map to discover nearby users (with your consent).
• Participating in the Operator programme by generating and sharing referral links.
• Managing your wallet, reviewing transaction history, and requesting withdrawals.

2.4 Prohibited Conduct

You agree not to:

• List, sell, or transact in illegal goods or services of any kind in any jurisdiction.
• Use the Platform to facilitate fraud, money laundering, or any criminal activity.
• Artificially inflate your Trust Score through fake deals, fictitious counterparties, or collusion.
• Create multiple accounts or impersonate any person or entity.
• Circumvent Atlas payment protection by taking transactions off-platform after initiating them on-platform.
• Use automated tools, bots, or scripts to access or interact with the Platform.
• Introduce malware, viruses, or harmful code into the Platform or its infrastructure.
• Harass, threaten, defame, or abuse any other user.
• Reverse engineer, decompile, or attempt to extract proprietary source code or algorithms.
• Reproduce, distribute, or create derivative works from Platform content without our express written consent.

2.5 Deal Mechanics and Payment Protection

• When a deal is initiated, the buyer's funds are held in trust by Atlas until the deal is confirmed complete.
• Delivery is confirmed when the buyer receives the item and enters the OTP provided by Atlas. Entry of the OTP constitutes the buyer's irrevocable confirmation that the deal is complete, triggering release of funds to the seller.
• If the buyer takes no action within 48 hours of the seller marking an item as delivered, funds are automatically released to the seller.
• Cancelled or mutually abandoned deals will be refunded to the buyer, minus any applicable fees.
• Atlas reserves the right to withhold funds pending investigation of suspected fraud or policy breaches.

2.6 Trust Scores and Ranks

Trust Scores are calculated on the Platform based on your deal history, dispute outcomes, and platform behaviour. Rank designations (Newcomer, Connector, Trader, Sentinel, Elite) are derived from your Trust Score and displayed to other users as an indicator of reliability. KT reserves the right to adjust Trust Scores, modify rank thresholds, and update scoring methodology at any time. Attempting to manipulate your Trust Score is a material breach of these Terms and may result in immediate permanent suspension.

2.7 Fees

KT charges transaction fees on completed deals. Applicable fee rates are displayed within the Platform at the time of each transaction. Operator commissions are governed by the Operator Programme terms communicated at enrolment. We reserve the right to amend fees with reasonable prior notice published within the Platform.

2.8 Wallet and Withdrawals

• Your Atlas wallet holds funds earned from completed deals, subject to applicable settlement periods.
• Withdrawal requests are processed to your linked payout account, subject to identity verification and applicable limits.
• Atlas by KT is not a bank and does not hold a banking licence. Wallet balances are not deposits and are not covered by any deposit protection scheme.
• We reserve the right to place a hold on wallet funds where fraud, disputes, or policy violations are under investigation.

2.9 Suspension and Termination

We may suspend or terminate your account at any time, with or without prior notice, for breach of these Terms, suspected fraud, regulatory requirements, or at our sole discretion. Upon termination, your right to access the Platform ceases immediately. Any funds held in your wallet at the time of termination will be handled in accordance with our investigation and recovery procedures.

2.10 Disclaimer of Warranties

The Platform is provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Platform will be uninterrupted, error-free, or free from harmful components.

2.11 Limitation of Liability

To the fullest extent permitted by applicable law, Kardashev Technologies and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform. Our total aggregate liability for any claim shall not exceed the total fees paid by you to Atlas by KT in the three (3) months preceding the claim.

2.12 Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any dispute arising out of or in connection with these Terms that cannot be resolved through good-faith negotiation within 30 days shall be referred to and finally resolved by binding arbitration under the Rules of the International Chamber of Commerce (ICC). The seat of arbitration shall be London, England. The language of arbitration shall be English. Nothing in this clause prevents either party from seeking urgent injunctive relief from a court of competent jurisdiction.

2.13 Changes to These Terms

We may update these Terms at any time. Updated Terms will be published within the Platform with a revised effective date. Continued use of the Platform after the updated Terms take effect constitutes acceptance. If you do not agree, you must stop using the Platform and may request account deletion.

2.14 Contact

General & Legal: info@kardashevtechnologies.com
Operator: Kardashev Technologies

This section sets out how Atlas by KT, operated by Kardashev Technologies, approaches data governance, regulatory compliance, and its obligations under applicable data protection laws across the jurisdictions in which the Platform operates. It applies to all personal data processed through the Platform, including data relating to Atlasians, Operators, and Admins.

3.1 Global Compliance Framework

Atlas by KT is a globally operating platform. We are committed to compliance with data protection and financial regulations across all markets in which we operate, including:

• General Data Protection Regulation (GDPR) — European Economic Area users.
• UK General Data Protection Regulation (UK GDPR) — United Kingdom users.
• California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) — California residents.
• Nigeria Data Protection Act 2023 (NDPA) and Nigeria Data Protection Regulation (NDPR) — Nigerian users.
• Payment Card Industry Data Security Standard (PCI-DSS) — as applicable to payment data handling via integrated processors.
• Financial Action Task Force (FATF) recommendations on anti-money laundering (AML) and counter-terrorism financing (CTF).
• Applicable financial services regulations in each jurisdiction where withdrawals and payouts are processed.

3.2 Lawful Basis for Processing

We process personal data only where a valid lawful basis exists:

• Contract performance: Processing required to deliver deal management, wallet services, and account features you have contracted for.
• Legal obligation: Processing required to comply with financial, tax, and regulatory obligations, and to respond to lawful authority requests.
• Legitimate interests: Processing for fraud detection, Trust Score calculation, and Platform security, balanced against your rights and interests.
• Consent: Processing for optional features such as location display on the Atlas Map. You may withdraw consent at any time.

3.3 Data Minimisation and Purpose Limitation

We collect only the minimum data necessary for the stated purposes described in our Privacy Policy. Data collected for one purpose is not repurposed for incompatible uses. We conduct regular reviews to ensure ongoing alignment with these principles.

3.4 Third-Party Data Processors

Atlas by KT engages the following categories of third-party processors under appropriate data processing agreements:

• Database and storage: Supabase (PostgreSQL infrastructure; data encrypted at rest; access governed by row-level security policies).
• SMS and OTP delivery: Twilio (processes phone numbers solely for authentication and deal confirmation messages).
• Email delivery: Resend (processes email addresses solely for transactional communications).
• Payment processing: Paystack, Flutterwave, and other integrated processors (operate within their own PCI-DSS-compliant environments; Atlas by KT does not store card numbers or sensitive payment credentials).

We do not transfer personal data to processors in jurisdictions without adequate data protection standards without implementing appropriate safeguards, such as Standard Contractual Clauses (SCCs) or equivalent mechanisms.

3.5 AML and Financial Compliance

As a platform facilitating financial transactions globally, Atlas by KT maintains a committed approach to anti-money laundering compliance:

• Phone number verification via OTP is required at account creation.
• Email verification is required for all registered accounts.
• Transaction monitoring is in place for unusual patterns including high-value or high-frequency deal activity.
• Enhanced identity verification is required for withdrawal requests above defined thresholds.
• Financial transaction records are maintained for a minimum of seven (7) years.
• We cooperate with financial intelligence authorities and law enforcement agencies as required by applicable law in each jurisdiction.

3.6 Technical Security Measures

• All data transmitted between users and the Platform is encrypted via TLS 1.2 or higher.
• Row-level security (RLS) policies in our database restrict data access to authorised users only.
• Webhook endpoints use HMAC signature verification to prevent unauthorised or spoofed requests.
• OTP codes are single-use and time-limited, used for both authentication and deal confirmation.
• Deal state transitions are enforced via a server-side validated state machine; no unauthorised transitions are permitted.
• Delivery proof photos are stored in private paths and accessed only via signed URLs with expiry windows.
• All administrative actions are recorded in an immutable audit log.
• Idempotency controls via a processed events table prevent duplicate processing of webhook events.

3.7 Data Breach Response

In the event of a personal data breach likely to result in risk to individuals, we will notify relevant supervisory authorities within 72 hours where required, and notify affected users without undue delay where there is likely high risk to their rights. We maintain an internal incident response plan and conduct post-incident reviews.

3.8 User Rights Requests

To exercise your data rights, email info@kardashevtechnologies.com with the subject line 'Data Rights Request' and include your registered email address or ATX ID. We respond within 30 days. Identity verification may be required. Complex requests may be extended by a further 60 days with notice.

3.9 Contact

Data & Privacy: info@kardashevtechnologies.com
Operator: Kardashev Technologies

This policy governs intellectual property rights on the Atlas by KT Platform and establishes the process for reporting content that infringes third-party intellectual property rights. It applies to all content posted, listed, or transmitted through the Platform, including product listings, photos, and descriptions.

4.1 Ownership of Platform Intellectual Property

All intellectual property in and to the Atlas by KT Platform — including the brand name "Atlas by KT," the ATX ID system, Trust Score methodology, Operator programme model, design system (colour palette, UI components, and visual identity), software, algorithms, and documentation — is owned exclusively by Kardashev Technologies or its licensors.

The name "Atlas by KT," the Kardashev Technologies name, the ATX ID format, and all associated branding and trade marks are proprietary to Kardashev Technologies. No use of our trade marks, logos, or proprietary materials is permitted without our prior written consent.

4.2 User Content — Licence Grant

By posting content to the Platform (including listing photos, descriptions, and other materials), you grant Kardashev Technologies a non-exclusive, royalty-free, worldwide, sublicensable licence to use, reproduce, display, and distribute that content solely for the purpose of operating and promoting the Platform. You retain ownership of your content. This licence terminates when you delete your content or close your account, subject to any retention obligations under applicable law.

4.3 Your Representations Regarding Content

By posting content to Atlas by KT, you represent and warrant that:

• You own the content or have obtained all necessary licences and permissions to post it.
• Your content does not infringe any third-party intellectual property rights, including copyright, trade mark, patent, trade secret, or moral rights.
• Your content does not violate any applicable law or these Terms.
• You have the right to grant KT the licence described in Section 4.2.

4.4 Prohibited Content

You must not post, list, or transmit content that:

• Infringes any copyright, trade mark, or other intellectual property right of any third party.
• Reproduces, offers, or promotes counterfeit or unauthorised replicas of branded goods.
• Distributes software, digital media, or other content without appropriate authorisation from the rights holder.
• Includes another person's personal information without their consent.
• Constitutes passing off, false endorsement, or misrepresentation as to origin or affiliation.

4.5 Reporting Infringement — Notice and Takedown

If you believe content on the Platform infringes your intellectual property rights, submit a written notice to info@kardashevtechnologies.com with the subject line 'IP Infringement Notice.' Your notice must include:

• Your full name, email address, and telephone number.
• A description of the intellectual property right you claim has been infringed (e.g., trade mark registration number, copyright details, or a description of unregistered rights).
• A specific description of the content on the Platform you allege is infringing, including the listing ID or the ATX ID of the posting user if known.
• A statement that you have a good-faith belief that the use of the content is not authorised by the rights holder, its agent, or the law.
• A statement that the information in your notice is accurate and that you are the rights holder or are authorised to act on the rights holder's behalf.
• Your physical or electronic signature.

4.6 Our Response to Valid Notices

Upon receipt of a valid and complete notice, we will:

• Acknowledge receipt within 5 business days.
• Review the notice and, where infringement is apparent, remove or disable access to the identified content promptly.
• Notify the user who posted the content that it has been removed and the reason for removal.
• Retain a record of the notice for our compliance obligations.

We reserve the right to restore content if we receive a valid counter-notice from the affected user, or if we determine the original notice was submitted in error or bad faith.

4.7 Counter-Notice

If your content was removed as a result of a mistaken or wrongly identified infringement notice, you may submit a counter-notice to info@kardashevtechnologies.com with the subject line 'IP Counter-Notice.' Your counter-notice must include:

• Your full name and contact information.
• Identification of the content that was removed.
• A good-faith statement that you believe the content was removed in error.
• A statement that you consent to the jurisdiction of the courts of England and Wales for any dispute arising from the notice.
• Your physical or electronic signature.

If we receive a valid counter-notice and the original complainant does not initiate legal proceedings within 14 business days, we may restore the removed content at our discretion.

4.8 Repeat Infringers

It is our policy to suspend or permanently terminate the accounts of users who repeatedly infringe third-party intellectual property rights. Accounts found to be used primarily to list counterfeit or infringing goods will be permanently banned and referred to relevant authorities where required by law.

4.9 Misuse of This Process

Submitting a knowingly false infringement notice in order to remove legitimate content or harm another user is prohibited. Such misuse may expose you to civil liability and will result in suspension of your access to this reporting process.

4.10 Contact

All IP & Legal notices: info@kardashevtechnologies.com
Operator: Kardashev Technologies