Privacy Policy

01 Overview & Scope

Welcome to Paybridg ("we", "our", or "us"). We are committed to protecting your privacy and ensuring the security of your financial and personal data. This Privacy Policy governs your use of our digital wallet platform, merchant payment gateways, agent banking portal, P2P services, and API tools.

By registering for an account, accessing our services, or interacting with our APIs, you acknowledge that you have read, understood, and agreed to the collection and handling of your information as described herein.

02 Information We Collect

To deliver seamless fintech services, process payments, and fulfill regulatory compliance requirements, Paybridg collects information across three categories:

• Personal Identifier Data: Full legal name, date of birth, residential address, email address, phone number, and government-issued identification numbers (national ID, passport, or tax identifier).
• Financial & Transactional Data: Wallet balances, linked bank account details, transaction histories, credit/debit card tokens, merchant settlement accounts, and currency exchange records.
• Technical & Usage Data: IP addresses, device identifiers, browser types, geo-location data (when authorized), application logs, and login timestamps.

For Merchant and Agent Banking accounts, we also collect business registration documents, tax registration certificates, and beneficial ownership declarations.

03 How We Use Your Information

We process collected data exclusively for legitimate operational, security, and legal purposes, including:

• Processing digital wallet transfers, P2P transactions, virtual card issuances, and merchant gateway payouts.
• Detecting, preventing, and mitigating fraudulent activity, unauthorized access, and financial crime.
• Executing automated Know-Your-Customer (KYC) checks and Anti-Money Laundering (AML) verifications.
• Providing 24/7 technical customer support and transaction dispute resolution.
• Improving system performance, optimizing API response times, and rolling out platform updates.

04 KYC & Financial Compliance

As a regulated digital financial platform, Paybridg is legally mandated to perform customer due diligence before enabling transactions. Identification documents submitted during verification are encrypted and verified through automated compliance partners.

05 Data Sharing & Third Parties

Paybridg does not rent, license, or sell personal customer information. We disclose data only in limited circumstances:

• Licensed Financial Partners: Banking partners, card schemes (Visa/Mastercard), and payment processor networks necessary to route your transactions.
• Regulatory Authorities: Financial Intelligence Units (FIU), law enforcement agencies, or tax authorities when compelled by valid legal process or subpoena.
• Infrastructure Service Providers: Encrypted cloud hosting providers, fraud prevention tools, and SMS/email gateway services bound by strict confidentiality agreements.

06 Bank-Grade Security Measures

We implement multi-layered physical, technical, and administrative controls to guarantee zero-trust protection:

• End-to-End Encryption: All data transmitted between user devices and Paybridg servers is secured via TLS 1.3 encryption.
• Two-Factor Authentication (2FA): Mandatory multi-factor authentication for sensitive wallet operations, login attempts, and password updates.
• Session Timeouts & Route Guards: Automated background token invalidation for inactive sessions and real-time anomaly detection.

07 Your Rights & Controls

Depending on your jurisdiction (such as GDPR or local financial privacy laws), you possess the following rights regarding your personal data:

• Right to Access: Request a full copy of all personal data held by Paybridg.
• Right to Rectification: Correct or update inaccurate account information.
• Right to Erasure: Request deletion of non-regulatory user account data (subject to mandatory financial record retention laws).
• Data Portability: Receive transaction ledgers in standard machine-readable CSV/JSON formats.

08 Cookies & Tracking Technologies

Paybridg utilizes essential session cookies and security tokens to maintain user authentication and prevent cross-site request forgery (CSRF). We do not use intrusive third-party cross-site tracking cookies.

09 Contact Our Privacy Officer

If you have any questions, concerns, or requests regarding this Privacy Policy or your data protection rights, please contact our dedicated Data Protection Office: