1. Information We Collect

We collect the following types of information:

a. Personal Information

• Identity Data: Name, date of birth, government-issued ID, and other KYC-related information.
• Contact Data: Email address, phone number, and mailing address.
• Financial Data: Bank account details, debit/credit card information, cryptocurrency wallet addresses, and transaction history.
• Profile Data: Username, password, and preferences.

b. Non-Personal Information

• Usage Data: IP address, browser type, device information, and interaction with our Services (e.g., pages visited, clicks).
• Analytics Data: Aggregated data used to improve our Services, collected via cookies and similar technologies.
• Blockchain Data: Publicly available transaction data on the Stellar blockchain, which may be linked to your wallet address.

c. Information from Third Parties

We may receive information from payment processors, KYC providers, or other partners to facilitate transactions or comply with regulations.

2. How We Use Your Information

• Provide and maintain our Services, including processing transactions, issuing debit cards, and enabling cryptocurrency conversions.
• Verify your identity and comply with AML/CTF regulations.
• Personalize your experience, such as recommending investment opportunities or financial planning tools.
• Communicate with you, including sending transactional emails, updates, or promotional materials (with your consent where required).
• Analyze usage trends to improve our Services.
• Detect and prevent fraud, security breaches, or illegal activities.

3. How We Share Your Information

• Service Providers: Third-party vendors (e.g., payment processors, KYC providers, cloud storage).
• Partners: Financial institutions, Visa®, or Stellar network participants.
• Regulators: Government authorities or law enforcement.
• Business Transfers: During mergers, acquisitions, or sales of assets.
• With Your Consent: For marketing or other purposes you agree to.

We do not sell your personal information to third parties for marketing purposes.

4. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to collect usage data and deliver personalized content.

You can manage cookie preferences through your browser. See our Cookie Policy for more.

5. Data Security

We use industry-standard security measures such as encryption, SSL, and multi-factor authentication. Blockchain transactions are secured by Stellar’s cryptographic protocols.

No system is 100% secure. You are responsible for safeguarding your credentials and reporting suspicious activity.

6. Data Retention

We retain personal information as long as necessary for our Services or to comply with regulations. KYC and transaction data may be retained for up to 7 years.

You may request deletion of your account, subject to legal requirements.

7. Your Privacy Rights

You may have the right to:

• Access, correct, or delete your information
• Restrict or object to certain processing
• Receive a portable copy of your data
• Opt out of marketing communications

Contact us at support@paycashnetwork.dev to exercise your rights. We may verify your identity first.

8. International Data Transfers

Your data may be processed outside your jurisdiction. We use safeguards like Standard Contractual Clauses to ensure compliance.

9. Children’s Privacy

Our Services are not intended for individuals under 18. If you believe a minor has submitted data to us, please contact us immediately.

10. Third-Party Links

We are not responsible for the privacy practices of third-party sites linked through our Services. Review their privacy policies independently.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Significant changes will be posted on our Website/App or communicated directly to you.