Privacy Notice

Last Updated: December 2025

1. Introduction

PayOut Gate ("we," "our," or "us") is committed to protecting your privacy. This Privacy Notice explains how we collect, use, disclose, and safeguard your information when you use our payment processing services and platform.

By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

2.1 Personal Information

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

• Name, email address, postal address, and phone number
• Business information (company name, tax ID, business address)
• Financial information (bank account details, payment card information)
• Identity verification documents (passport, driver's license, utility bills)
• Transaction history and payment details

2.2 Automatically Collected Information

When you access our services, we automatically collect certain information:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, click patterns)
• Location data (based on IP address)
• Cookies and similar tracking technologies

2.3 Information from Third Parties

We may receive information about you from:

• Identity verification services
• Credit bureaus and fraud prevention services
• Payment networks and financial institutions
• Business partners and affiliates

3. How We Use Your Information

We use the collected information for the following purposes:

• Service Provision: To process transactions, maintain your account, and provide customer support
• Compliance: To comply with legal obligations, including KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements
• Security: To detect, prevent, and address fraud, security breaches, and other prohibited activities
• Communication: To send transaction confirmations, service updates, and marketing communications (with your consent)
• Analytics: To analyze usage patterns and improve our services
• Legal Protection: To enforce our terms and conditions and protect our legal rights

4. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Third-party vendors who perform services on our behalf (payment processors, cloud hosting, customer support)
• Financial Institutions: Banks, payment networks, and card issuers necessary for transaction processing
• Regulatory Authorities: Government agencies, law enforcement, and regulators as required by law
• Business Partners: Merchants and partners involved in your transactions
• Professional Advisors: Lawyers, auditors, and consultants
• Business Transfers: In connection with mergers, acquisitions, or sale of assets

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement robust security measures to protect your information:

• Encryption of data in transit and at rest using industry-standard protocols
• PCI DSS compliance for payment card data handling
• Regular security audits and vulnerability assessments
• Access controls and authentication mechanisms
• Employee training on data protection and security
• Incident response procedures and monitoring systems

While we strive to protect your information, no security system is impenetrable. We cannot guarantee absolute security of your data.

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and maintain your account
• Comply with legal and regulatory requirements (typically 7-10 years for financial records)
• Resolve disputes and enforce our agreements
• Prevent fraud and maintain security

When your information is no longer needed, we will securely delete or anonymize it.

7. Your Rights and Choices

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

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Portability: Request a copy of your data in a structured format
• Restriction: Request restriction of processing in certain circumstances
• Objection: Object to processing based on legitimate interests
• Opt-out: Unsubscribe from marketing communications
• Withdraw Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us at info@payoutgate.io

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. When we transfer data internationally, we implement appropriate safeguards, including:

• Standard contractual clauses approved by relevant authorities
• Adequacy decisions by the European Commission
• Binding corporate rules
• Compliance with applicable data protection frameworks

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 you become aware that a child has provided us with personal information, please contact us, and we will take steps to delete such information.

10. Changes to This Privacy Notice

We may update this Privacy Notice from time to time. We will notify you of significant changes by:

• Posting the updated notice on our website
• Sending email notifications to registered users
• Displaying prominent notices on our platform

Your continued use of our services after changes become effective constitutes acceptance of the updated Privacy Notice.

11. Contact Information

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

PayOut Gate
Email: info@payoutgate.io

For EU residents, you have the right to lodge a complaint with your local data protection authority if you believe we have not addressed your concerns adequately.

12. Additional Regional Provisions

12.1 European Economic Area (EEA)

If you are located in the EEA, our legal basis for processing your information includes:

• Performance of a contract with you
• Compliance with legal obligations
• Protection of legitimate interests
• Your explicit consent

12.2 California Residents

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

12.3 UK Residents

UK residents have rights under the UK GDPR and Data Protection Act 2018, similar to EEA residents, including the right to lodge complaints with the Information Commissioner's Office (ICO).