1. General Information
Credence Verta Club is a private members investment club operating under the principles of a Private Members Association (PMA) in accordance with the legal framework of the United Kingdom.
The Club provides a private environment where verified members may participate in financial activities including:

• secured lending
• capital allocation between members
• investment participation
• digital asset collateralization

Participation in the Club is restricted to registered members only.
This Privacy Policy explains how personal information is collected, used, stored, and protected within the Club.
By accessing the Club platform or becoming a member, you agree to the terms described in this Privacy Policy.

2. Roles within the Club
Within Credence Verta Club members may participate in one of two roles:
InvestorInvestors provide capital to the Club pool or directly participate in financing secured loans issued to Borrowers.

Investor data processing includes:
• identity verification
• investment portfolio data
• capital allocation records
• performance reporting
• transaction history
• communication regarding investments

Borrower

Borrowers receive secured financing from the Club under agreed collateral conditions.

Borrower data processing includes:

• identity verification
• collateral verification
• loan agreements
• repayment tracking
• collateral management
• liquidation procedures when required

3. Information We Collect
The Club may collect the following types of information.
Personal Information

• full name
• email address
• contact details
• country of residence
• account credentials

Financial Information
• investment amounts
• loan amounts
• collateral values
• transaction records
• wallet addresses
• payment methods

Platform Usage Information
• login activity
• device information
• IP address
• browser type
• interaction with the platform

Verification DataWhere required, the Club may collect verification information to ensure member integrity and security.

This may include:
• identity verification
• membership validation
• compliance checks

4. Purpose of Data Processing
Collected data is used exclusively for operating the Club and maintaining its internal financial infrastructure.

Main purposes include:

• managing member accounts
• administering secured lending operations
• calculating investment participation
• maintaining internal financial records
• distributing investment results
• ensuring platform security
• preventing fraud and abuse

The Club does not sell personal data to third parties.

5. Data Sharing
Information may be shared only in the following limited cases:

Internal Club Operations

Data may be shared between authorized Club administrators responsible for:

• investment management
• technical platform maintenance
• financial accounting
Service ProvidersCertain services may be provided by third-party infrastructure providers including:
• payment processors
• blockchain networks
• hosting providers
• security systems

These providers only receive data necessary for performing their services.

Legal Requirements

If required by applicable law or legal authority, the Club may disclose necessary information.

6. Data Storage and Security
Credence Verta Club applies industry-standard security practices to protect member data.

Security measures include:
• encrypted communication
• restricted administrative access
• secured infrastructure
• internal access control

Financial records and member data are stored within secure environments designed to prevent unauthorized access.

7. Digital Asset Information
The Club may process information related to blockchain transactions including:

• wallet addresses
• token transfers
• collateral deposits
• smart contract interactions

Blockchain transactions are public by nature and cannot be modified or deleted once recorded on the blockchain.

8. Data Retention
Member information is stored only as long as necessary for Club operations.

Data may be retained for:
• maintaining financial records
• internal accounting
• dispute resolution
• security monitoring

Former members may request account closure, however certain records may be retained for compliance and financial documentation purposes.

9. Member Rights
Members have the right to:

• request access to their stored personal information
• request correction of inaccurate information
• request account closure
• request deletion of certain personal data where legally possible

Requests can be submitted through the Club administration.

10. Cookies and Technical Data
The platform may use cookies and similar technologies to:

• maintain login sessions
• improve platform functionality
• analyze platform performance

Users may disable cookies in browser settings, although certain functions may become unavailable.

11. Risk Acknowledgment
Participation in Credence Verta Club involves financial activities including secured lending and investment allocation between members.

Members acknowledge that financial activities carry inherent risks and that the Club acts as a coordination platform for private member interactions.

12. Changes to this Policy
This Privacy Policy may be updated periodically to reflect operational or regulatory changes.

Updated versions will be published on the platform.

Continued use of the platform constitutes acceptance of the updated policy.

13. Contact
For questions regarding this Privacy Policy or data protection matters, members may contact the Club administration through the official platform communication channels.

1. Introduction

Credence Verta Club is a private members association formed for the purpose of facilitating financial cooperation between its members.

The Club operates as a private contractual association between consenting members and is not open to the general public.

Membership provides access to a private ecosystem where members may participate in activities including:

• capital participation
• secured lending
• financial cooperation between members
• digital asset collateral arrangements

By becoming a member of the Club, the individual agrees to comply with the rules and principles described in this Agreement.

2. Nature of the Association

Credence Verta Club operates as a Private Members Association (PMA).

This means:
• the Club is not a public investment service
• the Club does not offer financial services to the general public
• participation is limited to verified members
• all activities occur within a private contractual relationship between members

Membership constitutes a private agreement between the member and the Club.

3. Membership Eligibility

Membership may be granted to individuals who:

• are at least 18 years old
• provide accurate registration information
• agree to the Club’s internal rules
• pass the Club’s verification procedures

The Club reserves the right to accept or reject membership applications at its discretion.


4. Member Roles

Members may participate in the Club in one or more roles:

Investor
Investors allocate capital to the Club pool or to secured financing activities involving Borrowers.
Investors may receive a share of financial returns generated through such activities.

Borrower
Borrowers may request financing from the Club under agreed collateral conditions.
Borrowers must provide sufficient collateral and comply with repayment obligations.

5. Membership Responsibilities

Members agree to:
• provide truthful information
• comply with Club rules
• respect other members
• maintain confidentiality regarding internal Club matters

Members may not use the Club for illegal activities.

6. Confidentiality

All internal Club information, including member data and financial operations, is considered confidential.

Members agree not to disclose internal Club information to external parties without authorization.

7. Termination of Membership

Membership may be terminated:
• voluntarily by the member
• by the Club administration for violation of rules
• due to inactivity or security concerns

Termination does not cancel financial obligations that existed prior to termination.

8. Limitation of Liability
Credence Verta Club acts as a coordination environment for private financial cooperation between members.

The Club does not guarantee investment results.

Members participate at their own discretion and risk.

1. General Financial Risk

All financial activities involve the possibility of loss.
Capital invested within the Club may fluctuate and may not be guaranteed.
Members should only participate with funds they can afford to risk.

2. Investment Risk (Investors)

Investors should understand that:
• returns are not guaranteed
• investment performance may vary
• market conditions may affect results
• capital may be partially or fully lost

Past performance does not guarantee future results.

3. Borrowing Risk (Borrowers)

Borrowers acknowledge that:
• loans must be repaid according to agreed terms
• collateral may be liquidated if obligations are not met
• market volatility may affect collateral value

Failure to maintain required collateral levels may result in liquidation.

4. Digital Asset Risk

Where digital assets are used as collateral or investment instruments, additional risks apply:

• high price volatility
• blockchain transaction risks
• network congestion or delays
• technological vulnerabilities

Blockchain transactions are irreversible.

5. Liquidity Risk

Members acknowledge that certain investments or loans may have limited liquidity.

Immediate withdrawal of funds may not always be possible.

6. Regulatory Risk

Regulatory environments regarding digital assets and private financial associations may change.

Such changes may affect the operation of the Club or member activities.

7. Acknowledgment

By participating in the Club, members confirm that they:

• understand the risks involved
• accept responsibility for their financial decisions
• participate voluntarily

1. Purpose
The purpose of this Agreement is to define the structure under which Investors may participate in loans issued to Borrowers within the Club.

2. Loan Structure

Loans within the Club are issued under the following principles:
• loans are provided by Investors
• Borrowers receive financing under collateral conditions
• the Club platform coordinates the process

The Club may facilitate loan matching between Investors and Borrowers.

3. Collateral

Borrowers must provide collateral acceptable to the Club.

Collateral may include:
• digital assets
• cryptocurrency holdings
• other agreed financial instruments

Collateral value must meet the required loan-to-value ratio.

4. Loan-to-Value (LTV)

Loans are issued based on predefined LTV limits.

If collateral value decreases below required thresholds:
• additional collateral may be required
• liquidation procedures may be initiated

5. Interest Distribution
Borrowers pay interest according to agreed loan terms.
Interest payments may be distributed to participating Investors according to their proportional participation.

6. Default and Liquidation

If a Borrower fails to meet obligations:
• the Club may initiate liquidation of collateral
• proceeds may be used to cover outstanding obligations

7. Investor Participation

Investors participate in loans proportionally based on their allocated capital.
Investors acknowledge that loan performance may vary.

8. Administrative Role of the Club

Credence Verta Club provides the infrastructure and coordination for lending activities.

The Club may manage:
• loan monitoring
• collateral valuation
• repayment tracking

9. Governing Principles

All lending activities occur within the private framework of the Club and its membership agreements.

Participation is voluntary and based on private contractual relationships between members.

1. Purpose

This Collateral Agreement defines the terms under which a Borrower provides collateral to secure obligations arising from loans issued within Credence Verta Club.

The purpose of collateral is to protect participating Investors and maintain financial stability within the Club.

2. Definition of Collateral

Collateral refers to assets pledged by a Borrower as security for loan obligations.

Collateral may include:
• cryptocurrency or digital assets
• tokenized assets
• other financial instruments accepted by the Club

All collateral must be verifiable and transferable.

3. Ownership of Collateral

The Borrower confirms that:
• they are the legal owner of the collateral
• the collateral is free from third-party claims
• the collateral is not pledged elsewhere

The Borrower retains ownership of the collateral unless liquidation occurs.

4. Collateral Deposit

Borrowers must transfer collateral to the designated wallet or custody system approved by the Club.

Collateral must remain locked for the duration of the loan unless otherwise agreed.

5. Collateral Valuation

The value of collateral is determined using publicly available market prices from recognized exchanges or data providers.

Collateral values may fluctuate due to market volatility.

The Club reserves the right to monitor collateral value in real time.

6. Loan-to-Value (LTV)

Loans are issued according to predefined Loan-to-Value (LTV) ratios.

If collateral value falls below the required threshold:
• the Borrower may be required to add collateral
• partial repayment may be requested
• liquidation procedures may begin

7. Margin Call

If the collateral value decreases significantly, the Borrower may receive a margin call notification.

The Borrower must respond within the timeframe defined by the Club.

Failure to respond may trigger liquidation.

8. Liquidation of Collateral

Collateral may be liquidated when:
• the Borrower fails to repay the loan
• collateral value falls below safety thresholds
• margin calls are ignored

Liquidation proceeds are used to cover:
• outstanding loan principal
• accrued interest
• administrative costs

Remaining funds, if any, may be returned to the Borrower.

9. Risk Acknowledgment

Borrowers acknowledge that:
• digital assets are highly volatile
• collateral value may change rapidly
• liquidation may occur automatically in extreme market conditions

10. Agreement Acceptance

By pledging collateral within the Club platform, the Borrower confirms acceptance of the terms described in this Agreement.