Privacy Policy

1. Introduction

VoltPay ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment processing platform and related services (the "Service").

By using our Service, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, do not use our Service.

2. Information We Collect

2.1 Personal Information

We collect the following types of personal information:

• Account Information: Name, email address, phone number, business information
• Financial Information: Bank account details, payment card information, transaction history
• Identity Verification: Government-issued ID, Social Security Number, tax identification numbers
• Business Information: Business name, address, industry type, beneficial ownership information

2.2 Technical Information

• Device Information: IP address, device ID, browser type, operating system
• Usage Data: Pages visited, features used, time spent on platform
• Log Files: Server logs, error reports, performance metrics
• Cookies and Tracking: Session data, preferences, analytics information

2.3 Transaction Data

• Payment amounts, currencies, and frequencies
• Merchant and customer information
• Transaction status and settlement details
• Chargeback and dispute information

3. How We Use Your Information

3.1 Primary Uses

• Payment Processing: Execute, authorize, and settle transactions
• Account Management: Create and maintain user accounts, provide customer support
• Compliance: Meet legal and regulatory requirements (KYC, AML, tax reporting)
• Risk Management: Detect and prevent fraud, money laundering, and unauthorized activities

3.2 Secondary Uses

• Service Improvement: Analyze usage patterns, develop new features
• Communication: Send transactional emails, service updates, security alerts
• Marketing: Provide relevant offers and information (with your consent)
• Research: Conduct anonymized research and analytics

4. Information Sharing and Disclosure

4.1 Service Providers

We share information with trusted third-party service providers who help us operate our Service:

• Payment Processors: Stripe, PayPal, banking partners for transaction processing
• Identity Verification: KYC/AML service providers for compliance
• Cloud Infrastructure: AWS, Google Cloud for data storage and processing
• Analytics: Google Analytics, monitoring and performance tools
• Customer Support: Help desk and communication platforms

4.2 Legal Requirements

We may disclose your information when required by law or to:

• Comply with subpoenas, court orders, or legal processes
• Respond to government requests and regulatory inquiries
• Report suspicious activities to financial intelligence units
• Protect our rights, property, or safety and that of our users

4.3 Business Transfers

In connection with any merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.

5. Data Security

5.1 Security Measures

• Encryption: All data in transit and at rest is encrypted using industry-standard protocols
• Access Controls: Role-based access with multi-factor authentication
• Network Security: Firewalls, intrusion detection, and monitoring systems
• PCI DSS Compliance: Full compliance with Payment Card Industry standards
• Regular Audits: Third-party security assessments and penetration testing

5.2 Data Retention

We retain your information for as long as necessary to provide services, comply with legal obligations, and resolve disputes. Specific retention periods vary by data type:

• Account Information: Duration of account plus 7 years
• Transaction Data: 10 years for regulatory compliance
• Identity Documents: 5 years after account closure
• Marketing Data: Until consent is withdrawn

6. Your Privacy Rights

6.1 Access and Control

You have the right to:

• Access: Request copies of your personal information
• Correct: Update or correct inaccurate information
• Delete: Request deletion of your data (subject to legal requirements)
• Port: Receive your data in a portable format
• Restrict: Limit how we process your information
• Object: Opt out of certain processing activities

6.2 Regional Rights

California Residents (CCPA): Additional rights under the California Consumer Privacy Act, including the right to know, delete, and opt-out of sale of personal information.

EU/UK Residents (GDPR): Full rights under the General Data Protection Regulation, including data portability and the right to lodge complaints with supervisory authorities.

6.3 Exercising Rights

To exercise your privacy rights, contact us at [email protected] or through your account settings. We will respond within the timeframes required by applicable law.

7. International Transfers

VoltPay operates globally. Your information may be transferred to and processed in countries outside your jurisdiction, including the United States. We ensure adequate protection through:

• Standard Contractual Clauses (SCCs) for EU data transfers
• Adequacy decisions by relevant data protection authorities
• Binding corporate rules and certification schemes
• Explicit consent where required

8. Cookies and Tracking

8.1 Cookie Types

• Essential Cookies: Required for basic functionality and security
• Performance Cookies: Help us understand how you use our Service
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used for targeted advertising (with consent)

8.2 Managing Cookies

You can control cookies through your browser settings or our cookie preference center. Note that disabling essential cookies may affect Service functionality.

9. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you become aware that a child has provided personal information, please contact us immediately.

10. Changes to Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. We will notify you of material changes via email or through the Service. Your continued use after such notification constitutes acceptance of the updated policy.