Privacy Policy

1. Introduction

MetaPayX ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our money transfer services, website, and mobile applications (collectively, the "Services").

By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, do not use our Services.

2. Information We Collect

2.1 Personal Information

We collect the following personal information:

• Full name, date of birth, and government-issued identification
• Contact information (email address, phone number, mailing address)
• Financial information (bank account details, payment card information)
• Transaction history and transfer details
• Employment information and source of funds

2.2 Technical Information

• IP address, browser type, and operating system
• Device identifiers and mobile network information
• Usage data and interaction with our Services
• Location data (with your consent)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information for the following purposes:

• Processing and facilitating money transfers
• Verifying your identity and preventing fraud
• Complying with legal and regulatory requirements
• Providing customer support and responding to inquiries
• Improving our Services and developing new features
• Sending important notifications about your account
• Marketing communications (with your consent)

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

• With financial institutions to process transfers
• With regulatory authorities as required by law
• With service providers who assist in our operations
• In case of merger, acquisition, or sale of assets
• To protect our rights and prevent fraud
• With your explicit consent

5. Data Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL encryption for all data transmission
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Secure data centers with 24/7 monitoring
• Employee background checks and security training
• Data minimization and retention policies

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access and review your personal information
• Correct inaccurate or incomplete information
• Delete your account and associated data
• Opt-out of marketing communications
• Request data portability
• Object to certain processing activities

To exercise these rights, please contact us at privacy@metapayx.com or through your account settings.

7. International Transfers

As a global money transfer service, we may transfer your information to countries outside your residence. We ensure adequate protection through:

• Standard contractual clauses approved by regulatory authorities
• Adequacy decisions by relevant data protection authorities
• Certification schemes and codes of conduct
• Your explicit consent where required

8. Data Retention

We retain your information for as long as necessary to provide our Services and comply with legal obligations:

• Account information: For the duration of your account plus 7 years
• Transaction records: 7 years from the date of transaction
• Identity verification documents: 7 years after account closure
• Marketing data: Until you opt-out or 3 years of inactivity
• Technical logs: 2 years for security and fraud prevention

9. Cookies and Tracking

We use cookies and similar technologies to enhance your experience. You can control cookie settings through your browser, but some features may not function properly if cookies are disabled.

For detailed information about our cookie practices, please see our Cookie Policy.

10. Children's Privacy

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes through:

• Email notification to your registered address
• Prominent notice on our website and mobile app
• In-app notifications

Your continued use of our Services after the effective date constitutes acceptance of the updated policy.

12. Contact Information

If you have questions about this Privacy Policy or our privacy practices, please contact us:

13. Regulatory Compliance

MetaPayX complies with applicable privacy laws including GDPR, CCPA, and other regional data protection regulations. We are registered with relevant supervisory authorities and maintain appropriate licenses for money transmission services.