Privacy Policy

1. Introduction

At MiarichPay, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment services, website, and mobile applications.

2. Information We Collect

Personal Information

We collect personal information that you provide directly to us, including:

• Full name, email address, and phone number
• Billing and shipping addresses
• Payment method information (credit/debit card details, bank account information)
• Government-issued identification for verification purposes
• Business information for merchant accounts

Transaction Information

When you use our services, we automatically collect:

• Transaction details (amount, date, merchant information)
• Device information (IP address, browser type, operating system)
• Location data when you use our mobile applications
• Usage patterns and preferences

3. How We Use Your Information

We use your information for the following purposes:

• Payment Processing: To facilitate secure transactions and money transfers
• Account Management: To create and maintain your account, provide customer support
• Security and Fraud Prevention: To detect and prevent fraudulent activities
• Compliance: To comply with legal obligations and regulatory requirements
• Service Improvement: To enhance our services and develop new features
• Communication: To send important updates, security alerts, and promotional materials

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

Service Providers

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

Legal Requirements

We may disclose your information when required by law, court order, or government request, or 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 as part of the transaction.

5. Data Security

We implement robust security measures to protect your information:

• End-to-end encryption for all sensitive data transmission
• PCI DSS Level 1 compliance for payment card data
• Multi-factor authentication and access controls
• Regular security audits and penetration testing
• 24/7 fraud monitoring and detection systems

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Receive your data in a structured, machine-readable format
• Opt-out: Unsubscribe from marketing communications
• Restriction: Limit how we process your information

7. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Transaction records are typically retained for seven years, while account information is kept for the duration of your relationship with us and for a reasonable period thereafter.

8. International Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure that appropriate safeguards are in place to protect your information when it is transferred internationally, including the use of standard contractual clauses and adequacy decisions.

9. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and sending you an email notification.

11. Contact Us

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