PRIVACY POLICY

Thank you for visiting coward.tax (“we,” “us,” or “our”). This Privacy Policy explains how we collect, use, and protect your information when you use our website located at https://coward.tax (the “Website”).

coward.tax is a platform that allows users to create public accountability contracts with financial consequences if goals are not completed.

By accessing or using the Website, you agree to the terms of this Privacy Policy. If you do not agree with the practices described here, please do not use the Website.

1. Information We Collect

1.1 Personal Information

We may collect the following personal information when you use coward.tax:

Name
Your name may be collected when creating a contract or identifying participants.

Email Address
We collect your email address to communicate with you regarding your contract, deadline reminders, witness notifications, and platform updates.

Witness Information
Contracts require at least two witnesses. You may provide witness names and email addresses so they can review and approve or reject completion during the 24-hour review window after deadline.

1.2 Payment Information

coward.tax requires users to authorize a payment method when executing a contract. All payment information is securely processed by Stripe, our third-party payment provider. coward.tax does not store or directly handle full credit card details.

Stripe may collect information including:
- Card number
- Billing information
- Payment authorization data

You can learn more about Stripe's privacy practices at:
https://stripe.com/privacy

1.3 Non-Personal Data

We may automatically collect certain non-personal information when you visit the Website, including:
- IP address
- Browser type
- Device type
- Operating system
- Pages visited
- Website usage patterns

This information helps us improve the functionality, performance, and reliability of coward.tax.

2. Purpose of Data Collection

We collect and use your information for the following purposes:
- To create and manage accountability contracts
- To process payment authorizations and charges when contracts fail
- To notify witnesses for completion verification
- To send contract-related emails such as deadlines and witness review requests
- To improve website performance and user experience
- To prevent fraud, abuse, or misuse of the platform

We only collect the minimum information necessary to operate the service.

3. Witness Communication

When you provide a witness email address, coward.tax will send that person a request to verify whether you completed your commitment.

By submitting a witness email address, you confirm that you have permission to share that information with coward.tax for the purpose of contract verification.

Witnesses will receive a review link allowing them to approve or reject your completion within 24 hours after deadline.

4. Data Sharing

We do not sell, rent, or trade personal information.

We may share limited information with trusted third-party service providers necessary to operate coward.tax, including:
- Payment processing providers (e.g., Stripe)
- Email delivery services
- Hosting and infrastructure providers

These providers only receive the information necessary to perform their services.

5. Data Retention

We retain contract data, witness decisions, and related information as long as necessary to operate the service, resolve disputes, comply with legal obligations, and maintain platform integrity.

6. Security

We take reasonable steps to protect your information from unauthorized access, misuse, or disclosure. However, no internet-based system can be guaranteed to be completely secure.

Users should avoid submitting sensitive personal information unrelated to contract verification.

7. Children's Privacy

coward.tax is not intended for individuals under the age of 18.

We do not knowingly collect personal information from minors. If you believe a minor has provided personal data to the platform, please contact us so it can be removed.

8. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our services, legal requirements, or operational practices.

When updates occur, the revised version will be posted on this page with an updated “Last Updated” date.

9. Contact Information

If you have any questions regarding this Privacy Policy, you can contact us at:
Email: izzytries96@gmail.com

By using coward.tax, you acknowledge that you have read and agree to this Privacy Policy.