Privacy Policy

ApexonPay is committed to protecting your privacy and personal information. This privacy policy details how we collect, use, protect, and share your information, as well as your related rights.

Last updated: January 1, 2025 | Effective date: January 1, 2025

1. Information Collection

Types of Information We Collect

To provide quality payment services, we may collect the following types of information:

Personal Identity Information

Including name, address, email, phone number, ID documents and other information required for identity verification and compliance requirements.

Financial Information

Bank account information, payment card details, transaction history, financial status and other information related to payment processing.

Technical Information

IP addresses, device information, browser type, operating system, access time and other technical log information.

Business Information

Company registration information, business type, transaction volume, commercial relationships and other information related to commercial services.

2. Information Usage

Service Provision

Use your information to process payment transactions, maintain accounts, provide customer support and technical services.

Compliance Obligations

Fulfill anti-money laundering (AML), know your customer (KYC), counter-terrorism financing and other legal compliance requirements.

Risk Management

Conduct fraud detection, risk assessment, transaction monitoring to protect your and our financial security.

Service Improvement

Analyze usage data to improve our products and services, enhance user experience and system performance.

Communication

Send service notifications, billing information, security alerts and other important business communications.

3. Information Sharing

Third-Party Service Providers

We may share information with trusted third-party service providers, including banking partners, technology service providers, identity verification services, etc.

Regulatory Authorities

As required by law, we may disclose information to regulatory authorities, law enforcement or other government agencies.

Business Partners

With your consent, we may share information with business partners to provide joint services.

Corporate Transactions

In corporate restructuring, mergers, acquisitions and other corporate transactions, your information may be transferred as part of business assets.

4. Data Security

Encryption Protection

All sensitive data is protected using industry-standard encryption technology during transmission and storage.

Access Control

Implement strict access control systems where only authorized personnel can access your personal information.

Security Monitoring

24/7 security monitoring systems to detect and respond to potential security threats in a timely manner.

Regular Audits

Regular security audits and penetration testing to ensure the effectiveness of security measures.

Employee Training

All employees must receive data protection training and sign confidentiality agreements.

5. Your Rights

Right of Access

You have the right to request a copy of the personal information we hold about you.

Right of Rectification

If you believe the information we hold is inaccurate or incomplete, you have the right to request corrections.

Right of Erasure

In certain circumstances, you have the right to request deletion of your personal information we hold.

Right to Restrict Processing

You have the right to request restriction of processing of your personal information in certain circumstances.

Right to Data Portability

You have the right to request your personal information in a structured, commonly used, machine-readable format.

Right to Object

You have the right to object to data processing based on legitimate interests.

Data Retention Periods

We establish corresponding retention periods based on different types of data and legal requirements

Transaction Records

7 years

Regulatory requirements and audit needs

Identity Verification Information

5 years after account closure

Compliance and risk management

Communication Records

3 years

Customer service quality assurance

Technical Logs

12 months

System maintenance and security analysis

Marketing Preferences

Until you withdraw consent

Marketing communication authorization

Cookie Usage Policy

We use cookies and similar technologies to provide, protect, and improve our services

Necessary Cookies

Essential

Ensure basic website functionality operates normally

Examples:

Session management, security verification, load balancing

Analytics Cookies

Optional

Help us understand website usage patterns

Examples:

Google Analytics, page visit statistics

Functional Cookies

Optional

Remember your preference settings

Examples:

Language selection, interface theme, form data

Marketing Cookies

Optional

Provide personalized advertising and content

Examples:

Ad targeting, marketing campaign tracking

Cookie Management

To exercise the above rights or if you have any questions about our privacy policy, please contact our data protection team

GDPR Rights Protection

As an EU resident, you enjoy the following rights under the GDPR framework

Right of Access

Obtain a copy of your personal data we hold

Right of Rectification

Request correction of inaccurate or incomplete information

Right of Erasure

Request deletion of your personal data in certain circumstances

Right to Restrict Processing

Restrict data processing in certain circumstances

Right to Data Portability

Obtain your data in machine-readable format

Right to Object

Object to data processing based on legitimate interests

Exercise Your Rights

To exercise the above rights or if you have any questions about our privacy policy, please contact our data protection team

Privacy Inquiry

If you have any questions about our privacy policy or data processing, please feel free to contact us

Data Protection Officer

info@apexonpay.com

Privacy Hotline

+1 (509) 620-6688

Office Address

1 World Trade Center, New York, NY 10007, United States