Privacy Policy
Last updated:
Privacy Policy
Last updated: [DATE]
This Privacy Policy (“Policy”) describes how Yon, operated by 3-102-938509 SRL (Costa Rica) (“Yon”, “we”, “us”, “our”), collects, uses, stores, and protects personal information of individuals (“Users”, “you”) who access or use the Yon platform (“Platform”).
By registering and verifying your phone number, you acknowledge and agree to this Policy, which becomes effective immediately upon publication by Yon.

1. Nature of the Platform
Yon is not a casino, bookmaker, binary options service, or gambling operator. Yon does not accept bets against the house. All activities on the Platform are peer-to-peer, skill-based interactions, where outcomes depend primarily on the expertise, knowledge, and actions of Users.

2. Data We Collect
- Provided by Users: phone number (mandatory), email (optional), user profile data, preferences, interests, comments, and Picks.
- KYC/AML: verification documents required for withdrawals above $10 (minimum withdrawal amount, subject to change). KYC/AML is performed by a third-party provider.
- Financial Data: we do not store payment card or wallet details. We may store the chosen payment method and provider, transaction history, bonus fund movements, and balance information.
- Activity Data: user history of Picks, orders, portfolio performance, achievements, badges, Brier score, and statistics.
- Automatically Collected: IP address, cookies, device data, anti-fraud and VPN checks, language and location derived from phone number.

3. Use of Data
We use personal and activity data to:
- Provide and operate the Platform.
- Facilitate Picks, transactions, and user-to-user interactions.
- Conduct anti-fraud and AML checks.
- Improve the product through aggregated/anonymized analytics.
- Provide personalized experiences, including marketing and recommendations.
- Communicate with Users (email, push notifications, in-app messages).
- Fulfill legal obligations.

4. Bonus Funds
Bonus Funds are promotional in nature, provided at Yon’s sole discretion.
- They cannot be withdrawn and may only be used within the Platform.
- Bonus Funds expire (typically within two weeks, unless otherwise determined by Yon).
- Expired Bonus Funds will not be reinstated or compensated.
- In case of downtime, suspension, or account blocking, Bonus Funds remain subject to their expiration timeline.
- Yon may change the rules for Bonus Funds or user commissions at any time.

5. Data Sharing
We may share data with:
- Payment providers (for deposits/withdrawals).
- KYC/AML and anti-fraud providers.
- Analytics and marketing partners (e.g., Google, Amplitude, AppsFlyer).
- Accredited data sources and third-party APIs.
- Regulators or law enforcement authorities when legally required.
Yon may transfer data internationally, and such data may be processed outside your country of residence.

6. Data Retention
- Transaction and user data are retained for at least five (5) years, or longer if required by law.
- After account deletion, personal data may be stored for up to one (1) month (except for financial records, which may be retained longer).
- Aggregated/anonymized data may be retained indefinitely.

7. User Rights
Subject to applicable laws, Users may:
- Request access to their personal data.
- Request account deletion (financial data may be retained for compliance).
- Manage communication preferences (unsubscribe from emails, adjust push settings).
- Set spending limits or self-exclude.

8. Cookies & Tracking
Yon uses cookies, SDKs, and similar technologies for security, analytics, and personalization. By using the Platform, you consent to their use. For details, see our [Cookie Policy].

9. Security
- Yon will never request SMS codes or login credentials via email or chat. Access is secured only through SMS one-time verification.
- Yon conducts ongoing internal security reviews and improvements to ensure user safety and comfort.
- Users are responsible for securing their devices and access to the Platform.

10. User Content
All content posted on Yon (including usernames, avatars, comments, Picks, and other activity) becomes the property of Yon.
Yon is not responsible for content posted by Users, including potential copyright or trademark violations. Users remain fully liable for their content.

11. Marketing & Advertising
- Yon may use data for marketing purposes, including personalized advertising.
- Some content within the Platform may constitute promotional material.
- Market prices (e.g., “Yes” or “No”) reflect aggregated user opinions only and do not represent accurate forecasts or financial advice.

12. Minors
The Platform is restricted to individuals 18 years or older.
Yon may request documents to verify age. If a minor registers, responsibility lies with the User and their parents or guardians.

13. Account Inactivity
If an account remains inactive for 3 months, Yon may charge an inactivity fee (typically up to $1 every two weeks, subject to change).

14. Dispute Resolution & Governing Law
- All disputes are governed exclusively by the laws of Costa Rica.
- Yon reserves the right to designate another jurisdiction for dispute resolution.
- Users agree to attempt resolution via negotiation or arbitration/mediation before court proceedings.
- Claims or regulatory demands from jurisdictions outside Costa Rica are not recognized by Yon.

15. Force Majeure
Yon is not liable for delays or interruptions caused by circumstances beyond its control, including natural disasters, war, sanctions, telecom failures, or third-party service issues.

16. Updates to this Policy
Yon may update this Policy at any time. Updates take effect immediately upon publication. Users are deemed to have accepted updates by continuing to use the Platform. Users are responsible for reviewing the Policy regularly.

17. Contact Us
For questions about this Policy, contact:
help@yon.market
3-102-938509 SRL, Costa Rica

© 2025 Yon. 3-102-938509 SRL. All rights reserved.