CashPay Privacy Policy

Last Update: 26 - sept - 2025

1. INTRODUCTION

Thank you for using CashPay and its associated services (the “Services”). CashPay (“we,” “us,” “our,” or the “Company”) is a financial technology platform designed to make peer-to-peer payments, crypto transactions, and digital transfers fast and secure. Your privacy is of utmost importance to us, and we are committed to protecting and processing your personal data in accordance with applicable data protection and privacy laws. This Privacy Policy explains what data we collect from you, why we collect it, how we use it, and how you can exercise your rights regarding your data. By accessing or using our Services, you agree to the practices described in this Privacy Policy. If you do not agree with this policy, you should stop using the Services immediately. We may update this Privacy Policy from time to time to reflect changes in law, technology, or our business practices. When we make material changes, we will notify you through the Platform, email, or other reasonable means. Your continued use of the Services after such updates constitutes your acceptance of the updated Privacy Policy.

2. WHAT PERSONAL DATA WE COLLECT

We collect several categories of data to provide and improve the Services. This may include information you provide directly, information we collect automatically when you use the Platform, and information from third parties such as KYC/AML verification providers. Personal data you provide directly during onboarding or while using the Services may include your full legal name, government-issued identification details (e.g., CNIC, passport number, NICOP), gender, date and place of birth, nationality, residential address, and country of residence. We may also collect your email address, phone number, bank account details, and blockchain wallet address. During KYC and compliance checks, we may request supporting documents such as utility bills, proof of income, or business registration documents. Additionally, we collect transaction history, including amounts, counterparties, dates, and times of transfers, as well as spending patterns that help us detect fraud and improve user experience. We may also collect technical data such as IP address, device identifiers, browser type, operating system, geolocation data, and activity logs to ensure platform security and optimize performance. This data helps us investigate suspicious activities and protect your account from unauthorized access.

3. HOW WE USE YOUR PERSONAL DATA

We use your personal data strictly for legitimate business purposes and to fulfill our contractual and legal obligations. This includes verifying your identity, conducting KYC and AML checks, processing payments, and facilitating transactions.

Your data allows us to operate, maintain, and improve the CashPay platform, including providing technical support, responding to inquiries, and tailoring features to your preferences. We also use your information to generate transaction confirmations, invoices, and account statements. In addition, we monitor transactions and account activity to detect fraud, suspicious behavior, or prohibited activities. Your data may also be used to carry out internal audits, compliance reviews, and risk assessments. If you have opted in, we may send you promotional materials, newsletters, or product updates. You can withdraw consent for marketing communications at any time, but operational and security-related notifications will still be sent as they are essential for your account. Finally, we use anonymized and aggregated data for analytics, service improvement, and business intelligence to better understand trends and enhance user experience.

4. SHARING OF YOUR PERSONAL DATA

5. INTERNATIONAL DATA TRANSFERS

Because CashPay operates in multiple jurisdictions, your data may be transferred to and stored on servers located outside of your home country. These jurisdictions may have data protection laws that are different, and sometimes less protective, than those in your country. When we transfer data internationally, we take appropriate steps to ensure your data receives an adequate level of protection, such as implementing encryption, access controls, and contractual data protection clauses with third parties handling your data.

6. DATA RETENTION

We retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with applicable laws. For example, financial regulations may require us to store transaction data for a minimum period (e.g., 5–7 years) to meet audit and tax obligations. After the retention period expires, your data will either be securely deleted, anonymized, or stored in a form that does not identify you personally, unless further retention is required for legal claims, fraud prevention, or dispute resolution.

7. MARKETING COMMUNICATIONS

We may send you marketing messages, including offers, promotions, and product updates, if you have provided consent through the Platform. These communications aim to keep you informed about new features, campaigns, and opportunities to use CashPay more effectively. You may withdraw consent for marketing at any time by following the unsubscribe instructions in the email or contacting us at (EMAIL) . Please note that important account-related notifications, such as security alerts, policy updates, or service disruptions, cannot be opted out of.

8. COOKIES AND TRACKING TECHNOLOGY

CashPay uses cookies and similar tracking technologies to personalize your experience, remember login sessions, improve performance, and detect fraudulent activity. Cookies may also be used to measure marketing effectiveness and enhance platform usability. You can adjust your browser settings to refuse or delete cookies; however, some features of the Services may not function properly without them. We do not currently respond to browser “Do Not Track” signals, but we continue to review this technology and may update our approach in the future.

9. DATA SECURITY

We take your data security seriously and use multiple layers of protection, including SSL encryption, secure cloud infrastructure, firewalls, and continuous monitoring for suspicious activity. Two-factor authentication (2FA) is strongly encouraged to secure your account from unauthorized access.

Despite these measures, no system is completely immune to breaches. By using our Services, you acknowledge that transmission of data over the internet carries inherent risks, and we cannot guarantee absolute security.

10. THIRD-PARTY LINKS

Our Platform may include links to third-party websites or applications. Clicking these links may allow third parties to collect data about you. We do not control and are not responsible for the privacy practices of third parties. We recommend reviewing their privacy policies before sharing any information with them.

11. MINORS

CashPay does not knowingly offer Services to individuals under the legal age of majority. If we discover that a minor has provided personal data to us without parental consent, we will delete such data immediately. Parents or guardians may contact us to request deletion of any data accidentally collected from a minor.

12. YOUR RIGHTS

Depending on your jurisdiction, you may have rights to request access to the personal data we hold about you, request corrections, restrict processing, or ask for deletion. You may also have the right to data portability and to withdraw previously given consent. To exercise these rights, please email (EMAIL ADDRESS) with the subject line “Data Request.” We may verify your identity before fulfilling your request to protect your data. Certain requests may be denied if required by law (e.g., retaining data for regulatory compliance).

13. CONTACT US

If you have any questions, concerns, or complaints about this Privacy Policy or how we handle your data, you can contact us at:

[email protected] (Subject: "Privacy Inquiry")

We aim to respond promptly and resolve any concerns in compliance with applicable data protection laws.