1. Introduction

Elgiopay ("we," "us," or "our") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment processing services.

By using our Services, you consent to the data practices described in this policy. If you do not agree with our policies and practices, please do not use our Services.

2. Information We Collect

We collect several types of information to provide and improve our Services:

Personal Information

• Full name and contact details
• Email address and phone number
• Business name and registration details
• Government-issued identification documents
• Bank account and payment information
• Tax identification numbers

Transaction Data

• Payment amounts and currencies
• Transaction timestamps and references
• Customer payment information
• Products or services purchased
• Refund and dispute information

Technical Information

• IP addresses and device identifiers
• Browser type and version
• Operating system information
• API usage and integration data
• Log files and error reports

3. How We Use Your Information

We use the collected information for various purposes:

• Process payments and facilitate transactions
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements
• Provide customer support and respond to inquiries
• Improve and optimize our Services
• Send important service updates and notifications
• Analyze usage patterns and generate analytics
• Protect against security threats and abuse

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

With Service Providers

We share data with third-party service providers who assist us in operating our platform, including payment processors, identity verification services, and cloud storage providers.

For Legal Compliance

We may disclose information when required by law, court order, or government request, or when necessary to protect our rights, property, or safety.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

With Your Consent

We may share your information for other purposes with your explicit consent.

5. Data Security

We implement robust security measures to protect your information:

• Encryption of sensitive data in transit and at rest
• Regular security audits and vulnerability assessments
• Access controls and authentication mechanisms
• Employee training on data protection practices
• Incident response and breach notification procedures
• PCI DSS compliance for payment card data

Despite our efforts, no security system is impenetrable. We cannot guarantee absolute security of your information.

6. Data Retention

We retain your information for as long as necessary to:

• Provide our Services to you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain business records and analytics

Specific retention periods vary based on the type of data and applicable laws. Financial transaction records are typically retained for 5-7 years.

7. Your Rights and Choices

Depending on your location, you may have the following rights:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your data (subject to legal obligations)
• Portability: Receive your data in a structured format
• Objection: Object to certain processing activities
• Restriction: Request limited processing of your data

To exercise these rights, please contact us at privacy@elgiopay.com.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We ensure appropriate safeguards are in place to protect your information during such transfers.

9. Children's Privacy

Our Services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child, we will take steps to delete such information.

10. Cookies and Tracking

We use cookies and similar tracking technologies to:

• Maintain user sessions and authentication
• Remember user preferences and settings
• Analyze usage patterns and improve Services
• Detect and prevent fraudulent activities

For more details, please see our Cookie Policy.

11. Third-Party Links

Our Services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any information.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or through our Services. The "Last updated" date at the top indicates when this policy was last revised.

13. Contact Us

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