Privacy Policy

This Privacy Policy (hereinafter — the "Policy") explains how Paygatex.io (hereinafter — "Paygatex.io", "we", "us", "our") collects, uses, shares, and protects Personal Information you provide when using the Paygatex.io website (hereinafter — the "Website") or our products and services (hereinafter — the "Services"). It governs the rules of personal data processing for our clients, their partners' representatives, and all other Website visitors.

Paygatex.io is committed to protecting your privacy. We have implemented the legal, technical, and organisational measures necessary to ensure the confidentiality, integrity, and availability of your Personal Information. By "Personal Information" or "Personal Data" we mean any data that identifies you or may be used to identify you.

All references to "Paygatex.io", "us", "we", or "our" refer to the Paygatex.io platform.

For any questions related to data protection, please contact us at: support@PayGateX.io

The types of Personal Information we may collect include:

• Contact details (email, telephone number, or messenger ID);
• Details of your identity document;
• Residence address;
• Financial information;
• Employment details;
• History of your logs and activity on the Website;
• IP address, browser and operating system information, device fingerprint;
• Other information required in accordance with our AML policy and/or Terms of Use.

Most of the information we collect is provided by you directly. We may also receive information from publicly available sources (for example, sanctions lists) or from our contractors. We use screening lists provided by data vendors, as well as ID verification, anti-fraud, and transaction monitoring services.

Please note that we will not be able to provide our Services to you if you refuse to provide the information required under our KYC/AML requirements, which will be communicated to you once you apply for any Service that requires identity verification and ongoing monitoring of activity. In some cases we may require additional details and documents for KYC and AML/CTF purposes.

Please note that the processing of your Personal Data may include automated decision-making, including profiling. We may apply automated decision-making, including profiling, for onboarding, account maintenance, and fraud prevention purposes.

We process our clients' data for the following purposes:

• To provide our Services to you, either as an individual or as a representative of a corporate client;
• To contact you or reply to your requests;
• To comply with our legal obligations (e.g. KYC/AML requirements);
• To provide assistance in the event of a criminal investigation or regulatory action;
• To protect your assets from unauthorized access;
• To prevent fraud and scam activity;
• To provide you with information about our products, news, and updates.

Our legal grounds for processing include:

Your consent. You may withdraw your consent at any time by contacting us at support@PayGateX.io.

Contractual obligation. We process your data to perform our contract with you.

Legal obligation. We are required to comply with AML/CTF requirements under applicable laws and regulations and to keep records for tax purposes.

Legitimate interest. We have a legitimate interest in providing necessary updates about our Services, proactively and retrospectively preventing fraudulent activity, and contacting employees of our clients and business partners.

We may collect Personal Information automatically when you use our Services, including through:

Cookies. Small text files placed in your device's browser that store preferences and facilitate and enhance your experience on the Website. Details about the specific cookies we use, their purposes, and how to manage them are set out in our separate Cookie Policy.

Pixel Tags/Web Beacons. A pixel tag (also known as a web beacon) is a piece of code embedded in our Services that collects information about engagement with our Services.

We may share this information with:

• Our affiliates, agents, and representatives;
• Our contractors providing software for identity verification and anti-fraud purposes;
• Our contractors providing information from publicly accessible sources (for instance, sanctions lists);
• Our financial service providers through which we facilitate fiat currency transactions to/from our Services;
• Law enforcement or regulatory agencies, if required or permitted by law.

We do not sell your Personal Information to third parties.

Depending on where you are located, providing our Services to you may involve transferring your Personal Information to countries other than your country of residence. Where this occurs, we take steps to ensure your data continues to be protected to a standard consistent with this Policy.

We ensure that any information we hold is not kept for longer than necessary. We retain your Personal Data to comply with our legal obligations, resolve disputes, and protect your and our legitimate interests.

We will keep your Personal Information for a maximum period of five (5) years following the termination of our legal relationship with you.

You may request the removal of your Personal Data at any time. However, in certain cases we are legally obliged to continue storing your information to remain compliant.

Under applicable data protection law, you have rights including:

• Your right of access — you have the right to ask us for copies of your Personal Information.
• Your right to rectification — you have the right to ask us to correct information you believe is inaccurate, or to complete information you believe is incomplete.
• Your right to erasure — you have the right to ask us to erase your Personal Information.
• Your right to restriction of processing — you have the right to ask us to restrict the processing of your information.
• Your right to object to processing — you have the right to object to the processing of your information.
• Your right to data portability — you have the right to ask us to transfer the information you provided to us to another organisation, or to you directly.

You are not required to pay any charge to exercise your rights. If you make a request, we have one month to respond. Please contact us at support@PayGateX.io if you wish to make a request.

In some cases, we may not be able to fulfil your request due to our legal obligations or an overriding legitimate interest. In such cases, we will explain the reasons why your request cannot be fulfilled and how you can complain.

Our Services are not directed at, and are not intended for use by, individuals under the age of 18. We do not knowingly collect Personal Information from minors. If we become aware that we have inadvertently collected Personal Information from a minor, we will take steps to delete such information.

Paygatex.io has implemented security measures designed to comply with recognised international security standards. Our platform uses SSL or TLS encryption to protect the confidentiality of content transmitted when you send us requests.

Paygatex.io may amend this Policy at any time. We will notify you of any material changes via the Website or by email.