Privacy Policy

xrplhub.io · Effective September 7, 2026 · Last updated October 16, 2026

We collect information you provide directly: name (optional), email address, phone number (optional), XRPL wallet address, and grant application details. We also read public on-chain data from the XRP Ledger to compute XRPLScore — this data is publicly visible on the blockchain by design. Standard web analytics (page views, device type, country) are collected to improve the platform. We do not collect Social Security Numbers or any government identifiers.

We never collect: Social Security Numbers or other government IDs · private keys or seed phrases · plain-text passwords · payment card numbers · bank account credentials. We will NEVER ask for your private key or seed phrase. Any message requesting this information is fraudulent and should be reported to support@xrplhub.io immediately.

We use your information solely to: deliver the services you purchase, compute and display XRPLScore, process grant applications, send transaction receipts and service confirmations, comply with legal obligations, and investigate fraud or abuse.

We do not sell, rent, or trade your personal information, and we do not furnish any information to consumer reporting agencies. We share data only with: service providers operating under strict confidentiality agreements (database hosting, email delivery, analytics), and law enforcement or regulatory authorities when required by valid legal process.

All data is encrypted in transit using TLS 1.3. Data at rest is encrypted using AES-256. Access to personal data is restricted to authorized personnel on a need-to-know basis with role-based access controls. We conduct regular security reviews.

We retain your data for as long as your account is active or as needed to provide services. Transaction records are retained for up to 7 years to meet financial-recordkeeping obligations. You may request deletion of your personal data, subject to legal retention requirements, by contacting us at privacy@xrplhub.io.

You have the right to: access the personal data we hold about you, correct inaccurate information, request deletion (subject to legal retention obligations), and receive a copy of your data in a portable format. To exercise any of these rights, email privacy@xrplhub.io with subject line "Data Request." We respond within 30 days.

California residents have the right to know what personal information we collect, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information. To exercise your CCPA rights, contact us at privacy@xrplhub.io.

xrplhub.io is intended for users 18 years of age and older. We do not knowingly collect personal information from minors. If we learn we have collected information from a minor, we will delete it immediately.

We use minimal cookies essential to platform function (session management, wallet-state persistence in localStorage). We do not use third-party advertising trackers and do not sell behavioral data to advertisers.

If you sign up on xrplhub.io/lending to hear when XRPL lending goes live, we store your email address, the date you signed up, the exact sentence you agreed to, and a one-way hash of your IP address (used only to stop abuse; we can't turn it back into your IP). We use your email for one thing: a single email when lending is enabled on the XRP Ledger mainnet. We don't add you to any other list, don't share or sell the address, and don't use it for marketing. Every email has an unsubscribe link, and you can ask us to delete your address at any time at privacy@xrplhub.io. If we use an email delivery provider to send that email, it receives your address only to deliver it. We delete the list once the launch email has been sent, except for addresses we must keep on a do-not-email list after an unsubscribe.

If you sign up on xrplhub.io/yield for grade-change alerts, we store your email address, the option you asked about (if any), the date, the exact sentence you agreed to, and a one-way hash of your IP address (used only to stop abuse). We use your email for one thing: telling you when a Yield Desk risk grade changes. We don't add you to any other list, don't share or sell the address, and don't use it for marketing. Every email has an unsubscribe link, and you can ask us to delete your address at any time at privacy@xrplhub.io. If we use an email delivery provider, it receives your address only to deliver the email. Page visits on xrplhub.io are counted with Vercel Web Analytics, which uses no cookies and stores no personal data.

If you apply for a grant on xrplhub.io/grants, we store your wallet address, email, the category and what you wrote, the date, and any payout details you add later (a destination tag or a different wallet). A person reads it. Applicant data is used only to review and pay grants, and to send updates you opted into. It is never sold or shared. We use your email only for this application (to tell you when review starts and what we decided) unless you separately opt in to updates after applying. We don't share or sell it. Grants paid are published on the XRP Ledger and on our public ledger page by wallet address only. Donations by card are processed by Stripe for Morrbiz LLC; we publish only the amount, card fee and date, never the donor's name or card details. XRP and RLUSD donations are public on the XRP Ledger. Ask us to delete your application at privacy@xrplhub.io.

We may update this Privacy Policy periodically. Material changes will be communicated via email to registered users. Continued use of the platform after changes constitutes acceptance of the updated policy.

Privacy inquiries: privacy@xrplhub.io
General: support@xrplhub.io