Privacy Policy for ZenithPay Solutions

Introduction

ZenithPay Solutions ("we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment gateway services, merchant account solutions, fraud prevention tools, mobile payment processing, recurring billing systems, international payment solutions, and PCI DSS compliance support (collectively, "our services"). We operate our online platform with the utmost respect for your privacy rights.

Information We Collect

We collect various types of information in connection with the services we provide, which may include personal data.

• Information You Provide Directly: This includes information you provide when you register for an account, apply for our services, complete forms, communicate with us, or make transactions. This may include:
  • Contact details (e.g., name, address, email address, phone number).
  • Financial information (e.g., bank account details, credit/debit card information, payment history necessary for our services).
  • Business information (e.g., company name, business registration details, tax identification numbers for merchants).
  • Identification documents (e.g., government-issued IDs, for "Know Your Customer" (KYC) and anti-money laundering (AML) purposes).
• Information We Collect Automatically: When you access and use our site, we may automatically collect certain information, including:
  • Log data (e.g., IP address, browser type, operating system, pages viewed, access times).
  • Usage data (e.g., features used, services accessed, transaction volumes).
  • Device information (e.g., device type, unique device identifiers).
• Information from Third Parties: We may receive information about you from third parties, such as credit bureaus, financial institutions, and fraud prevention services, where necessary for providing our services and fulfilling our legal obligations.

How We Use Your Information

We use the information we collect for various purposes related to providing and improving our services, including:

• Service Provision: To provide and maintain our payment gateway, merchant account solutions, mobile payment processing, recurring billing systems, and international payment solutions.
• Transaction Processing: To process transactions, send transaction notifications, and manage billing.
• Fraud Prevention and Security: To implement and improve our fraud prevention tools, detect and prevent fraud, money laundering, and other illegal activities, and to maintain the security of our services.
• Compliance and Legal Obligations: To comply with legal obligations, including PCI DSS compliance, KYC, AML, and other regulatory requirements.
• Account Management: To manage your account, provide customer support, and communicate with you about our services.
• Service Improvement: To monitor and analyze trends, usage, and activities in connection with our services to improve functionality and user experience.
• Marketing and Promotions: To send you marketing communications about our services, offers, and news that we believe may be of interest to you, based on your consent where required by law.

How We Share Your Information

We may share your information in the following circumstances:

• With Service Providers: We may share your information with third-party vendors, consultants, and other service providers who perform services on our behalf, such as payment processors, fraud prevention agencies, and IT service providers. These third parties are obligated to protect your information and use it only for the purposes for which it was disclosed.
• For Legal Compliance and Protection: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to comply with legal obligations, protect our rights or property, prevent fraud, or ensure the safety of our users or the public.
• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
• With Your Consent: We may share your information with third parties when we have your explicit consent to do so.

Data Security

We implement robust technical and organizational measures to protect your personal information from unauthorized access, use, alteration, or destruction. These measures include encryption, access controls, secure data storage, and regular security assessments, including adherence to PCI DSS standards for handling payment card data. However, no method of transmission over the Internet or electronic storage is entirely secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreements. This period is determined on a case-by-case basis and depends on the nature of the data, why it was collected, and the relevant legal or operational retention needs.

Your Rights

Depending on your location and applicable data protection laws (such as GDPR), you may have certain rights regarding your personal data:

• Right to Access: You have the right to request access to the personal data we hold about you.
• Right to Rectification: You have the right to request correction of inaccurate or incomplete personal data.
• Right to Erasure (Right to be Forgotten): You may have the right to request the deletion of your personal data under certain circumstances.
• Right to Restriction of Processing: You may have the right to request that we restrict the processing of your personal data.
• Right to Data Portability: You may have the right to receive your personal data in a structured, commonly used, and machine-readable format.
• Right to Object: You have the right to object to the processing of your personal data in certain situations, including for direct marketing purposes.
• Right to Withdraw Consent: If we are processing your personal data based on your consent, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the contact details provided below.

International Data Transfers

As a global FinTech company, your information may be stored and processed in countries outside of your own, including the United States, where our primary operations are based. When we transfer personal data internationally, we take appropriate measures to ensure that your data is protected in accordance with this Privacy Policy and applicable data protection laws.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "last updated" date. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

ZenithPay Solutions
100 Main Street, Suite 500
Chicago, IL 60601
USA