Privacy Policy

Last updated: January 2026

1. Introduction

Erxtopay ("we", "us", "our") is committed to protecting your personal data. This privacy policy explains how we collect, use, store, and share information when you use our website, mobile application, and cross-border payment services (collectively, the "Services").

2. Information We Collect

2.1 Information you provide

• Account information: full name, email address, phone number, country of residence, and password when you create an account.
• Identity verification: government-issued ID, proof of address, and selfie as required by KYC/AML regulations.
• Transaction information: recipient details, bank account numbers, transfer amounts, and payment method details.
• Communication preferences: contact preferences and marketing opt-in choices.

2.2 Information collected automatically

• Device information (browser type, operating system, device identifiers).
• IP address and approximate location.
• Usage data (pages visited, features used, session duration).
• Cookies and similar tracking technologies.

3. How We Use Your Information

• Process and settle cross-border transfers.
• Verify your identity and comply with KYC/AML regulations.
• Communicate transaction updates and account notifications.
• Improve our Services and develop new features.
• Prevent fraud and secure our platform.
• Comply with legal obligations.

4. Data Sharing

We may share your information with:

• Payment processors: to facilitate local payouts in the recipient's currency.
• KYC/AML providers: for identity verification and compliance screening.
• Blockchain networks: transaction hashes and wallet addresses are recorded on public blockchains.
• Law enforcement: when required by law or to protect our rights.

We do not sell your personal data to third parties.

5. Data Security

We implement industry-standard security measures including encryption at rest and in transit, access controls, and regular security audits to protect your data. However, no method of transmission or storage is 100% secure.

6. Data Retention

We retain your data for as long as your account is active and as required by applicable laws (typically 5-7 years for financial records). You may request deletion of your account data by contacting us.

7. Your Rights

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

• Access and receive a copy of your personal data.
• Correct inaccurate data.
• Request deletion of your data (subject to legal obligations).
• Object to or restrict processing.
• Data portability.

8. Cookies

We use cookies and similar technologies to enhance your experience. See our Cookie Policy for details.

9. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of material changes via email or a notice on our website.

10. Contact Us

If you have questions about this privacy policy, please contact us at privacy@erxtopay.com.