1. Information We Collect

We collect information that you provide directly to us when usingPayenx's virtual card services, including:

• Name, email address, and contact information
• Identity verification documents (as required by regulations)
• Payment and billing information
• Transaction history and card usage data
• Device information and IP addresses
• Communication preferences

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our virtual card services
• Process card creation, top-ups, and transactions
• Verify your identity and prevent fraud
• Send transaction alerts and account notifications
• Provide customer support and respond to inquiries
• Comply with legal and regulatory requirements
• Analyze usage patterns to improve our services

3. Information Sharing

We do not sell your personal information. We may share your information only in the following circumstances:

• With payment networks (Visa/Mastercard) to process transactions
• With banking partners to provide card services
• With identity verification providers for compliance
• To comply with legal obligations or law enforcement requests
• To protect our rights, safety, and property
• With your explicit consent

4. Data Security

We implement bank-level security measures to protect your personal and financial information, including encryption, secure data centers, and regular security audits. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

5. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate data
• Request deletion of your data (subject to legal retention requirements)
• Export your transaction history
• Opt out of marketing communications
• Close your account at any time

6. Data Retention

We retain your personal and transaction data as required by financial regulations and anti-money laundering laws. After account closure, we may retain certain information for up to 7 years as required by law.

7. Cookies

We use cookies and similar technologies to improve your experience, remember your preferences, and analyze how our services are used. You can manage cookie preferences through your browser settings.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by email or through our services. Your continued use after changes become effective constitutes acceptance of the updated policy.

9. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us at support@payenx.com.