1. Information We Collect

To comply with federal regulations and provide our services, we collect:

• Personal identification information (name, date of birth, SSN/Tax ID)
• Contact information (email, phone number, physical address)
• Government-issued identification documents
• Transaction history and wallet addresses
• Device information and IP addresses
• Cookies and usage data

2. How We Use Your Information

We use your information to:

• Verify your identity and comply with KYC/AML regulations
• Process cryptocurrency transactions
• Detect and prevent fraud, money laundering, and terrorist financing
• Comply with legal obligations and regulatory requirements
• Improve our services and user experience
• Communicate with you about your account and transactions

3. Information Sharing and Disclosure

We may share your information with:

• Law enforcement and regulatory agencies (FinCEN, IRS, OFAC) as required by law
• Third-party identity verification services
• Blockchain networks (wallet addresses and transaction data are public)
• Service providers who assist in operating our platform
• Legal counsel and auditors

We do not sell your personal information to third parties for marketing purposes.

4. Data Retention

We retain your information for at least 5 years after account closure as required by the Bank Secrecy Act and FinCEN regulations. Transaction records may be retained longer for compliance purposes.

5. Data Security

We implement industry-standard security measures including encryption, secure servers, and access controls to protect your information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Your Rights (CCPA/GDPR)

Depending on your location, you may have the right to:

• Access your personal information
• Request correction of inaccurate data
• Request deletion of your data (subject to legal retention requirements)
• Opt-out of certain data processing activities
• Export your data in a portable format

Note: Some rights may be limited by our legal obligations to retain information for compliance purposes.

7. Cookies and Tracking

We use cookies and similar technologies to improve user experience, analyze usage patterns, and detect fraud. You can control cookie preferences through your browser settings, but disabling cookies may limit functionality.

8. International Data Transfers

Your information may be transferred to and processed in countries outside your residence. We ensure appropriate safeguards are in place for international transfers.

9. Children's Privacy

PayCryptoPal is not intended for individuals under 18 years of age. We do not knowingly collect information from minors. If we discover we have collected information from a minor, we will delete it immediately.

10. Changes to Privacy Policy

We may update this Privacy Policy periodically. We will notify you of material changes via email or prominent notice on our platform.

11. Contact Us

For privacy-related questions or to exercise your rights, contact us at privacy@paycryptopal.com