Volkov Intelligence Systems L.L.C. operates Clarity Wallet, Universal Search (⌘K), Spark Rails, and related APIs. Registered seat and arbitration venue: Sandy, Utah, USA. Revision 2026.4 · Effective July 26, 2026. Unified version: 2026.4-global-unified.
See Section 2 — Privacy and standalone /privacy. GDPR/CCPA/UK Data Protection · FATF Travel Rule · EU MiCA data disclosures. DPO: dpo@volkovintelligence.com · privacy@volkovintelligence.com.
\n1. Scope & Data Controller — This Privacy Policy governs personal data processed by Volkov Intelligence Systems L.L.C. (registered seat: Sandy, Utah, USA) and its affiliates for the Clarity Wallet interface, Universal Sea…
\n2. Overview & Non-Custodial Architecture — Clarity Wallet operates primarily as a non-custodial, client-side cryptographic interface. We do not store, hold, or transmit your private keys, BIP-39 recovery phrases, or unencrypted personal wallet…
\n3. Information We Do Not Collect — Private Keys & Seed Phrases: Your 12- or 24-word BIP-39 seed phrase and derived HD wallet private keys never leave your local client device memory.
\nUnencrypted Financial Credentials: Full cre…
\n4. Categories of Data Processed & Legal Grounds — We process personal data only when a clear legal basis exists under applicable global privacy laws.
\n| Category | Specific Data Elements | Legal Basis (GDPR Art. 6) | Retention Period |
|---|
5. FATF Travel Rule & On-Chain Privacy — For digital asset transfers above applicable statutory thresholds (e.g., $1,000 USD / €1,000 EUR), required Originator and Beneficiary information may be transmitted to counterparty VASPs under FATF, …
\n6. Data Sharing & Third-Party Processors — We do not sell user data. Processors act only for order execution:
\n7. International Data Transfers — Cross-border processing may occur in the United States and other regions. For EEA/UK/Swiss transfers without adequacy, we use EU Standard Contractual Clauses (SCCs), the UK IDTA, TLS 1.3 in tr…
\n8. Your Rights Across Global Jurisdictions — European Economic Area & United Kingdom: Access and portability (Art. 15/20); rectification and erasure (Art. 16/17); restriction and objection (Art. 18/21) where applicable.
\n**California (CCPA/C…
\n9. Automated Decision-Making — We use automated risk scoring, fraud telemetry, and order validation. You may request human review of decisions with binding legal effect (e.g., sanctions-driven suspensions).…
See Section 3 — Terms and /terms. Eligibility, sanctions, non-custodial duties, Clarity Spark rails exclusively, warranty disclaimer, and ICDR/AAA arbitration seated in Sandy, Utah, USA.
\n1. Acceptance of Terms — By accessing Clarity (exchange.clarity-fintech.com), Universal Search (⌘K), or Spark Rails, you agree to this Agreement with Volkov Intelligence Systems L.L.C. (**Sandy, Utah, …
\n2. Eligibility & Restricted Jurisdictions — You are at least 18 (or age of majority) and not located in, resident of, or organized under comprehensive OFAC, EU, UN, or HM Treasury sanctions. You are not on SDN or equivalent …
\n3. Pre-Launch Network Rules & Settlement Notice — Pre-Launch Status: CLRTY-1 mainnet TGE, native staking priority mesh, and 1-tap auto-node rewards remain frozen pending institutional funding and TGE triggers.
\n**Pre-Launch Ci…
\n4. Non-Custodial Responsibility & Key Loss — You maintain sole responsibility for your seed phrase and password. Lost recovery phrases cannot be restored by Clarity or Volkov Intelligence Systems L.L.C. You release Clarity fr…
\n5. Prohibited Conduct — You shall not launder funds, manipulate markets, front-run, scrape unauthorized APIs, wash trade, or conduct card testing. High-frequency abuse outside documented API limits is pro…
\n6. End User License & Intellectual Property — Clarity grants a limited, non-exclusive, non-transferable license for lawful personal or institutional treasury use. Software, algorithms, smart contracts, and trademarks remain Co…
\n7. Spark Rails, Fees & Chargebacks — Spark supports FedNow, ACH, SEPA, Apple Pay, and Google Pay via regulated Clarity Spark partners. Protocol fees route 100% to treasury:clrty-1 opera…
\n8. Disclaimer of Warranties & Limitation of Liability — \"AS IS\" AND \"AS AVAILABLE\" DISCLAIMER: THE PLATFORM, APIS, AND DIGITAL UTILITIES ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FIT…
\n9. Dispute Resolution & Binding Arbitration — Parties will attempt informal resolution for 30 days before arbitration. Disputes shall be settled by binding arbitration under ICDR / AAA International Arbitration Rules. …
Automated trading, liquidity routing, and algorithmic execution involve substantial financial risk including slippage, latency, and total loss. Smart contract, re-entrancy, flash-loan, fork, and node desynchronization risks apply. See /legal/risk.
FedNow, ACH, SEPA, Visa/Mastercard, Apple Pay, Google Pay via licensed partners. Pre-launch settlement in USDC, USDT, ETH, SOL, BTC. Protocol fees: 100% to treasury:clrty-1 operational utility — zero profit-sharing, yield, or dividend programs. See /legal/spark-disclosure.
Tiered KYC, OFAC/EU sanctions screening, FinCEN recordkeeping, FATF Travel Rule for qualifying VASP transfers. Contact legal@volkovintelligence.com. See /legal/aml-kyc.
Users control private keys; finalized on-chain transactions cannot be reversed by the Company. Regulatory references (SEC/CFTC, MiCA, FinCEN) are informational only — not legal or investment advice.
By creating a wallet, authenticating via email OTP, completing Spark checkout, or calling authenticated APIs, you agree to this Master Legal Infrastructure under the U.S. ESIGN Act and Utah UETA. Electronic records satisfy writing requirements. Notices to legal@volkovintelligence.com or compliance@clarity-fintech.com at Sandy, Utah, USA constitute effective service where permitted by law.
Verify this stack via the index below and `GET /v1/legal/master`. Operator: Volkov Intelligence Systems L.L.C., Sandy, Utah, USA.
\nClarity Wallet (connect, swap, Spark checkout, Universal Search) is non-custodial client software distributed for global use with MetaMask-class wallet connectivity — the open-source client does not geo-fence software download or self-custodial signing. Public RPC, clrty-rpc, and Spark MCP surfaces are available to developers and autonomous agents worldwide subject to documented API rate limits, sanctions screening at fiat rails, and partner acquirer rules — not a blanket software embargo.
100% of Clarity protocol and Spark clearing fees route to treasury:clrty-1 on Chain 1202 for operational infrastructure, gas relay, and network utility — no dividend, yield, revenue-share, or profit-participation rights are offered to wallet users, token holders, or MCP integrators.
\nCLRTY is presented as a functional utility credential for network access and fee discounts — not equity, a security interest, or a collective investment scheme. References to U.S. SEC Howey analysis and EU MiCA utility-token categories are informational only (see /legal/risk). This stack does not constitute an offer of securities.
| Region | Primary Spark rails | Notes |
|---|---|---|
| United States | FedNow, ACH Standard, Visa/Mastercard, Apple Pay, Google Pay | Partner MSB/acquirer KYC; OFAC screening |
| European Union / UK | SEPA Instant, SEPA Standard, FPS (where supported) | PSD2/PSR partner rules; MiCA disclosures via compliance funnel |
| Global | On-chain CLRTY-1 / EVM settlement; card where acquirer licensed | Third-party rails impose regional licensing — software access remains non-custodial |
Spark is the exclusive Clarity fiat processor. See /legal/spark-disclosure.
Authenticated Spark pay endpoints and Spark MCP tools enforce per-account and per-IP rate limits (default 40 checkout attempts per 300 seconds per account unless enterprise tier overrides). FX/fiat quote objects carry a 3000ms TTL; stale quotes must be refreshed before `POST /v1/spark/modal/checkout`. Abuse, scraping, or card-testing triggers circuit breakers and may suspend API keys. Integrators must display utility-non-security disclaimers in agent UIs. Contact compliance@clarity-fintech.com for enterprise MCP quotas.
| Topic | Operator attestation | User obligation |
|---|---|---|
| Non-custodial software | Volkov Intelligence Systems L.L.C. does not hold user private keys | Users secure seed phrases; irreversible on-chain txs |
| Spark fiat rails | Licensed partners execute money transmission | Users pass tiered KYC/OFAC at checkout |
| Protocol fees | 100% treasury:clrty-1 utility; no profit-sharing | Fees disclosed pre-checkout; non-refundable clearing |
| Sanctions | OFAC/EU/UN lists screened at fiat sessions | Prohibited jurisdictions must not use Spark rails |
| Tax | Information returns where legally required | Users file in home jurisdiction |
| MCP/agents | Rate-limited utility APIs; not investment advice | Agents must not promise yield or securities returns |
CLRTY-1 FIN-DATA is the native financial-data telemetry channel emitted by CLRTY-1 nodes and the `clrty-rpc` layer (settlement clrty-1 / 1202). It records block/finality timing, mempool and fee-market statistics, validator liveness, and RPC latency for network health — it does not capture private keys, seed phrases, or raw KYC documents.
\nNode-level sanctions: Validators, archive nodes, and `clrty-rpc` ingress may apply policy-driven mempool and relay filters for addresses linked to OFAC SDN, EU consolidated sanctions, or UN embargo programs when operating Spark-adjacent clearing or FIN-DATA export paths. Nodes receive hashed watchlist updates and screening signals — not raw KYC documents — aligned with Section 7 — AML & KYC. Non-custodial self-custodial signing is unaffected; sanctions enforcement applies at fiat Spark capture, VASP counterparty proof, and optional node relay policy tiers.
\nZero-Knowledge AML (ZK-AML): Where sanctions/KYC-tier status must be proven to a counterparty VASP or Spark partner, Clarity supports privacy-preserving ZK-AML attestations — succinct proofs that a wallet has passed tiered KYC/OFAC screening (see Section 7 — AML & KYC) without disclosing the underlying identity documents, balances, or transaction graph to the verifying party. ZK-AML proofs are generated client-side or by authorized compliance infrastructure and are logged for audit under the same recordkeeping duties as Section 7.
\nFIN-DATA telemetry and ZK-AML proof metadata are retained for 12 months rolling (telemetry) and per FinCEN/Travel-Rule recordkeeping schedules (ZK-AML attestations). See /legal/compliance#fin-data-telemetry.
Spark Regional Rails map fiat instructions to ISO 20022 message types for interoperability with banking-rail partners (FedNow, ACH, SEPA) and CLRTY-1 settlement finality. Spark is the exclusive fiat on/off-ramp integration.
\n| ISO 20022 Message | Purpose | Spark Rail | CLRTY-1 Settlement Leg |
|---|---|---|---|
| `pain.001` (Customer Credit Transfer Initiation) | User-initiated fiat on-ramp instruction | FedNow / ACH / SEPA Instant | Mint/route to self-custodial wallet post-clearing |
| `pacs.008` (FI to FI Customer Credit Transfer) | Interbank settlement leg between acquirer and partner bank | FedNow / SEPA Instant | Triggers Spark checkout confirmation webhook |
| `pacs.002` (Payment Status Report) | Accept/reject/pending status for an initiated transfer | ACH / SEPA / Card networks | Circuit-breaker and pre-launch freeze (HTTP 423) status sync |
| `camt.053` (Bank to Customer Statement) | End-of-day reconciliation statement | ACH / SEPA | Reconciliation against Spark ledger and treasury vault allocation |
| `camt.054` (Bank to Customer Debit/Credit Notification) | Real-time notification of posted debit/credit | FedNow / SEPA Instant | Real-time balance/session update in wallet UI |
| `pain.008` (Customer Direct Debit Initiation) | ACH return / chargeback recovery debit | ACH Standard | Pending-dispatch freeze or recovery debit (see Section 7 — Spark Rails, Fees & Chargebacks) |
ISO 20022 field mapping (`purpose code`, `remittance information`) is preserved for AML/Travel-Rule screening but does not expose on-chain wallet addresses to the banking rail beyond what is required for settlement. See /legal/spark-disclosure.
Clarity is a non-custodial interface and does not provide tax advice. Where required by law (e.g., U.S. digital-asset broker information returns), the Company or its designated processors may issue applicable information returns (including Form 1099-DA analogs) for in-scope Spark fiat transactions and, where applicable, gross proceeds from supported on-chain activity.
\nSelf-service tax exports: Wallet users may generate CSV and PDF transaction exports (timestamps, asset, quantity, USD-equivalent fair value, fee allocation) covering Spark on/off-ramp activity and on-chain transfers visible to the wallet, for use with third-party tax software. Exports are generated client-side or via authenticated API and are not shared with tax authorities except where legally compelled or where the Company issues an information return.
\nRecords supporting exports and information returns are retained for 5–7 years consistent with Section 4 — Categories of Data Processed. Tax residency and reporting obligations vary by jurisdiction (U.S. IRS, EU MiCA/DAC8, and other regimes); users are responsible for their own filings. Questions: legal@volkovintelligence.com · compliance@clarity-fintech.com, Volkov Intelligence Systems L.L.C., Sandy, Utah, USA.