Privacy Policy

1. Introduction

PayPangea ("we", "us", "our") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you visit our website, use our services, or interact with our products.

By using our services, you agree to the collection and use of information in accordance with this policy.

2. Data Controller

PayPangea is the data controller responsible for your personal data. If you have any questions about this Privacy Policy or our data practices, please contact us through the chat widget on our website.

3. Information We Collect

3.1 Information you provide

• Account information: name, email address, phone number, and other details you provide when creating an account or requesting a demo.
• Identity verification: government-issued identification documents, biometric data (facial recognition), and related information processed through Pangea ID for KYC compliance.
• Transaction data: payment details, transaction history, and related financial information.
• Communications: messages you send to us through our chat widget, email, or other channels.

3.2 Information collected automatically

• Device information: IP address, browser type, operating system, and device identifiers.
• Usage data: pages visited, time spent on pages, click patterns, and referral sources.
• Cookies and similar technologies: we use cookies to improve your experience and analyse website traffic.

4. How We Use Your Information

We use your personal data for the following purposes:

• To provide, maintain, and improve our services.
• To process transactions and send related information.
• To verify your identity in compliance with KYC/AML regulations.
• To communicate with you about our services, updates, and promotional offers.
• To detect, prevent, and address fraud and security issues.
• To comply with legal obligations and regulatory requirements.
• To analyse usage patterns and improve our website and products.

5. Legal Basis for Processing

We process your personal data based on the following legal grounds:

• Contract performance: processing necessary to provide our services to you.
• Legal obligation: processing required by law, including KYC/AML regulations.
• Legitimate interests: processing necessary for our legitimate business interests, such as fraud prevention, security, and service improvement.
• Consent: where you have given explicit consent, such as for marketing communications.

6. Data Sharing and Disclosure

We do not sell your personal data. We may share your information with:

• Service providers: third-party companies that perform services on our behalf, such as payment processing, identity verification, and analytics.
• Regulatory authorities: when required by law or to comply with legal obligations.
• Business partners: with your consent, to facilitate the services you have requested.
• Corporate transactions: in connection with a merger, acquisition, or sale of assets.

7. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, access controls, and regular security assessments.

No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal data, we cannot guarantee absolute security.

8. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. The retention period depends on the type of data and the purpose of processing.

9. Your Rights

Under applicable data protection laws, you have the following rights:

• Access: request a copy of the personal data we hold about you.
• Rectification: request correction of inaccurate or incomplete data.
• Erasure: request deletion of your personal data, subject to legal obligations.
• Restriction: request restriction of processing in certain circumstances.
• Data portability: request transfer of your data to another service provider.
• Objection: object to processing based on legitimate interests or for direct marketing.
• Withdraw consent: where processing is based on consent, you may withdraw it at any time.

To exercise any of these rights, please contact us through the chat widget on our website.

10. International Transfers

Your personal data may be transferred to and processed in countries outside your country of residence. We ensure that appropriate safeguards are in place to protect your data in accordance with applicable data protection laws.

11. Cookies

Our website uses cookies and similar tracking technologies. You can control cookie settings through your browser. Disabling cookies may affect the functionality of our website.

12. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from children. If you believe we have collected data from a child, please contact us immediately.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website with a revised "Last updated" date.

14. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us through the chat widget available on every page of our website.