Privacy Policy

1. Introduction

PepPayAI respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our secure payment processing services.

2. Information We Collect

Information You Provide:

• Account Information: Name, email address, business name
• Identity Verification: Government ID, address (when required)
• Payment Information: Wallet addresses, transaction details

Collected Automatically:

• Device Information: IP address, browser type
• Usage Data: Pages visited, features used
• Transaction Data: Payment amounts, timestamps

3. How We Use Your Information

• Provide and maintain our Services
• Process transactions and secure payments
• Verify identity and prevent fraud
• Comply with legal and regulatory requirements
• Communicate service updates and support
• Fulfill AML/KYC obligations

4. Information Sharing

We may share information with:

• Service Providers: Cloud hosting, identity verification
• Legal Authorities: When required by law
• Compliance: AML reporting, sanctions screening

We do not sell your personal information.

5. Blockchain Information

Public blockchain transactions are visible on-chain. Wallet addresses and transaction amounts are publicly viewable. We do not control blockchain data visibility.

6. Data Retention

• Account Data: Duration of account plus 5 years
• Transaction Records: 5 years (regulatory requirement)
• KYC/AML Records: 5 years after relationship ends

7. Your Rights

• Access your personal information
• Correct inaccurate data
• Delete your account (subject to retention requirements)
• Opt-out of marketing communications
• Data portability (GDPR)

8. Data Security

We implement encryption, access controls, and regular security assessments. However, no system is 100% secure. You accept inherent risks of electronic transmission.

9. Contact

For privacy-related inquiries: privacy@peppayai.com