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Privacy Policy

Effective Date: January 17, 2026

1. Introduction

TerraClaim LLC ("TerraClaim," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you provide through the Terra-Claim.com platform (the "Platform"). This Privacy Policy describes how we collect, use, disclose, and protect your information.

2. Information We Collect

2.1 Information You Provide

  • Account Information: Name, email address, and password when you create an account.
  • Identity Verification: Government-issued identification, proof of address, and other documentation required for KYC/AML compliance.
  • Claim Information: Details about bankruptcy claims you submit, including claim numbers, amounts, and supporting documentation.
  • Transaction Information: Records of your purchases, sales, and bids on the Platform.
  • Communications: Information you provide when contacting us for support.

2.2 Information Collected Automatically

  • Device Information: IP address, browser type, operating system, and device identifiers.
  • Usage Information: Pages visited, features used, and actions taken on the Platform.
  • Cookies and Similar Technologies: See our Cookie Policy for details.

3. How We Use Your Information

We use your information to:

  • Provide, maintain, and improve the Platform.
  • Process transactions and send related communications.
  • Verify your identity and comply with KYC/AML requirements.
  • Detect, prevent, and address fraud, security issues, and technical problems.
  • Comply with legal obligations and respond to lawful requests.
  • Communicate with you about updates, security alerts, and support.

4. Information Sharing

We may share your information with:

  • Transaction Counterparties: Limited information necessary to complete transactions.
  • Service Providers: Third parties who perform services on our behalf, subject to confidentiality obligations. See Section 5 for a complete list.
  • Legal and Regulatory Authorities: When required by law, court order, or government request.
  • Professional Advisors: Lawyers, auditors, and other advisors in connection with legal proceedings or regulatory compliance.

We do not sell your personal information to third parties.

5. Third-Party Service Providers

We use the following third-party service providers to operate the Platform. Each provider processes data on our behalf and is bound by appropriate data processing agreements.

  • Clerk (Clerk, Inc.) — Authentication and account management. Processes your name, email address, and login credentials. Clerk sets cookies on your device for session management.
  • Sumsub (Sum and Substance Ltd.) — Identity verification (KYC/AML). Processes your government-issued identification documents, biometric data (selfie for facial matching), date of birth, and residential address. Sumsub is a regulated provider that operates in compliance with GDPR.
  • Resend (Resend, Inc.) — Transactional email delivery. Processes your email address, name, and transaction-related information (such as claim amounts and payment details) in order to send notifications about your account and transactions.
  • Vercel (Vercel, Inc.) — Platform hosting, file storage, and analytics. Uploaded documents (such as claim certificates) are stored using Vercel Blob Storage. Vercel Analytics collects anonymized usage data (pages visited, device type) to help us improve the Platform.

6. Data Security

We implement appropriate technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is completely secure.

7. Data Retention

We retain your information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. KYC/AML records are retained as required by applicable law, typically for a minimum of five years after the end of the business relationship.

8. Your Rights

Depending on your jurisdiction, you may have the right to:

  • Access the personal information we hold about you.
  • Correct inaccurate or incomplete information.
  • Request deletion of your information, subject to legal retention requirements.
  • Object to or restrict certain processing of your information.
  • Data portability where applicable.

To exercise these rights, please contact us at hey@terra-claim.com.

9. International Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on the Platform with a new effective date.

11. Contact

For questions about this Privacy Policy, please contact us at: hey@terra-claim.com