Privacy Policy

1. What Information We Collect

KoinKoinPay collects various types of information to provide and improve our payment processing services:

• Personal Information: Name, email address, phone number, business name, registered address, government-issued ID (for Know Your Customer verification), bank account details, and tax identification numbers.
• Transaction Data: Payment amounts, transaction timestamps, merchant and payer identifiers, card type (not full card numbers), IP addresses, and device information.
• Technical Data: Browser type, operating system, referring URLs, pages visited, time spent on pages, and cookies or similar tracking technologies.
• Communications: Records of support requests, emails, and chat interactions with our team.
• Analytics Data: Usage patterns, feature interactions, and performance metrics collected through Google Analytics and similar tools.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Payment Processing: To process and settle payments, verify merchant and user identity (KYC/AML compliance), and maintain transaction records.
• Fraud Prevention: To detect and prevent fraudulent transactions, money laundering, and other illegal activities.
• Customer Support: To provide customer support, respond to inquiries, and resolve disputes.
• Service Improvement: To improve our Services, develop new features, and conduct analytics.
• Communications: To send transactional and service-related communications, including payment confirmations and security alerts.
• Compliance: To comply with legal and regulatory obligations, including tax reporting, AML/KYC requirements, and financial regulations.
• Marketing: To send marketing communications (only with your consent) about new features, promotions, and updates.

3. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience, analyze site usage, and for marketing purposes. Cookies are small files stored on your device that help us recognize you and remember your preferences.

Types of cookies we use:

• Essential Cookies: Required for the website to function properly, including authentication and security.
• Analytics Cookies: Help us understand how you use our site to improve your experience (Google Analytics).
• Marketing Cookies: Allow us to show you personalized ads and content based on your interests.
• Preference Cookies: Remember your preferences for a personalized experience.

For a complete list of cookies we use, including their purpose and duration, please visit our Cookie Policy.

4. Do Not Sell My Personal Information

KoinKoinPay does not sell, rent, or share your personal information with third parties for their marketing purposes. We are committed to protecting your privacy and maintaining your trust.

If you have concerns about how your information is being used or would like to exercise your privacy rights, please contact us at info@koinkoinpay.com.

California Residents: Under the California Consumer Privacy Act (CCPA), you have the right to:

• Know what personal information is collected, used, shared, or sold
• Delete personal information collected from you
• Opt-out of the sale or sharing of your personal information
• Not be discriminated against for exercising your CCPA rights

5. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

GDPR Rights (EU Residents):

• Right of Access: You have the right to access the personal data we hold about you.
• Right to Rectification: You have the right to correct inaccurate or incomplete data.
• Right to Erasure: You have the right to request deletion of your data (subject to legal retention requirements).
• Right to Restrict Processing: You have the right to restrict how we process your data.
• Right to Data Portability: You have the right to receive your data in a portable format.
• Right to Object: You have the right to object to certain types of processing.
• Right to Withdraw Consent: You have the right to withdraw consent where processing is based on consent.

CCPA Rights (California Residents):

• Right to Know: You have the right to know what personal information is collected and how it is used.
• Right to Delete: You have the right to request deletion of your personal information.
• Right to Opt-Out: You have the right to opt-out of the sale or sharing of your personal information.
• Right to Non-Discrimination: You have the right not to be discriminated against for exercising your privacy rights.

To exercise any of these rights, please contact us at info@koinkoinpay.com.

6. Data Retention

We retain personal data for as long as necessary to provide our Services and comply with legal obligations. Specific retention periods include:

• Transaction Records: Retained for a minimum of 7 years to meet financial regulatory requirements.
• Consent Records: Stored in your browser's localStorage until you clear your cookies or update your preferences. The consent record includes your timestamp, region, and cookie choices.
• Customer Support Records: Retained for 3 years after the last interaction.
• Analytics Data: Retained for up to 2 years.
• Marketing Communications: Retained until you unsubscribe.

You may request deletion of non-regulated data by contacting us at info@koinkoinpay.com.

7. Contact Us

If you have any questions about this Privacy Policy, our privacy practices, or would like to exercise your privacy rights, please contact us:

8. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes via email or a prominent notice on our platform. Continued use of our Services after changes take effect constitutes your acceptance of the updated Privacy Policy.

Last Updated: May 13, 2026