Privacy Policy

1. Introduction

This Privacy Policy explains how Payonyx ("Provider", "we", "our", or "us") collects, uses, processes, and protects personal data when users access or use the platform (the "Platform"). The Provider is committed to protecting the privacy and personal data of users and to complying with applicable data protection laws and regulations.

The Platform provides virtual payment card services that allow users to create and manage virtual Visa and Mastercard cards funded with cryptocurrency. By accessing or using the Platform, you acknowledge that certain information may be collected and processed as described in this Privacy Policy.

2. Information We Collect

When you access or use the Platform, certain information may be collected:

Account Information

• email address
• authentication codes used for login
• Telegram account identifier (when signing in via Telegram)

Technical Information

• IP address
• device type and device identifiers
• browser type and version
• operating system
• session identifiers and access timestamps

Transaction-Related Information

• transaction identifiers and timestamps
• references provided by payment or service providers

The Platform does not store full payment card numbers or sensitive card authentication data.

3. How Information Is Collected

Information may be collected through information provided directly by users during account creation and use, information received from third-party authentication services, automatically collected technical and usage data, and cookies or similar technologies used to maintain secure sessions.

4. How Information Is Used

Information collected may be used for:

• creating and maintaining user accounts
• authenticating users and managing secure access
• operating and maintaining Platform functionality
• monitoring system performance and stability
• detecting, preventing, and investigating fraudulent or unauthorized activities
• ensuring the security and integrity of the Platform infrastructure
• communicating with users regarding service-related matters
• complying with applicable legal and regulatory obligations

5. Sharing of Information

Information may be shared with third parties where necessary for the operation of the Platform, including:

• payment processing providers
• card issuing institutions and payment networks
• infrastructure and hosting providers
• security, compliance, and analytics service providers

Information may also be disclosed where required by applicable law, regulation, or governmental request.

6. Data Storage and Retention

Information is retained only for as long as necessary to fulfill the purposes described in this Privacy Policy, including maintaining Platform functionality, ensuring security, and complying with legal obligations. When information is no longer necessary, it may be securely deleted, anonymized, or otherwise disposed of using appropriate measures.

7. Data Security

Reasonable technical and organizational measures are implemented to protect information, including:

• encryption technologies
• access control mechanisms
• secure infrastructure and network protections
• system monitoring and logging

However, no method of transmission over the internet can be guaranteed to be completely secure.

8. International Data Transfers

The Platform may use infrastructure and service providers located in different jurisdictions. Information collected may be processed, stored, or transferred to systems located outside the user's country of residence. Where such transfers occur, reasonable measures are implemented to ensure information is processed in accordance with applicable data protection principles.

9. User Rights

Depending on applicable laws, users may have certain rights including the ability to:

• request access to information associated with their account
• request correction of inaccurate or incomplete information
• request deletion of certain information, where applicable
• request restriction of certain processing activities

Requests may be submitted through the support channels available on the Platform.

10. Cookies

The Platform may use cookies and similar technologies to maintain secure sessions, enable authentication, ensure proper functionality, and monitor system performance. Users may control or disable cookies through browser settings. However, disabling certain cookies may affect functionality.

11. Changes to This Policy

This Privacy Policy may be updated from time to time. The updated version will be published on the Platform. Continued access to or use of the Platform after publication constitutes acknowledgment of the updated terms.

12. Children's Privacy

The Platform is not intended for use by individuals under the age of 18. The Platform does not knowingly collect information from individuals under this age. If it becomes known that information has been collected from a minor, reasonable steps will be taken to remove such information.

13. Third-Party Services

The Platform may contain integrations or connections to third-party services that operate independently and may be governed by their own privacy policies. The Platform does not control and is not responsible for the privacy practices of independent third-party services.

14. Contact

If you have questions or concerns regarding this Privacy Policy, you may contact us through the support channels available on the Platform.