iPAY Privacy Policy

At iPAY, 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 mobile application ("iPAY") and services.

• Personal Information: When you create an iPAY account or use our services, we may collect personal information such as your name, email address, phone number, date of birth, and address.
• Financial Information: To facilitate transactions, we collect financial information such as your bank account details, credit/debit card information, and transaction history.
• Device Information: We collect information about the device you use to access the iPAY App, including your device type, operating system, unique device identifiers, and mobile network information.
• Location Information: With your permission, we may collect your precise location data to provide location-based services and improve your experience.
• Usage Information: We collect information about how you interact with the iPAY App, including the features you use, the pages you visit, and the time and duration of your sessions.

We use your information for the following purposes:

• Provide and Improve Services: To process transactions, manage your account, provide customer support, and enhance the functionality and performance of the iPAY App.
• Personalization: To tailor your experience and offer personalized recommendations and promotions based on your preferences and usage patterns.
• Communication: To send you important notifications, updates, and marketing communications related to iPAY services.
• Security and Fraud Prevention: To detect and prevent fraudulent activity, protect the security of your account and our systems, and comply with applicable laws and regulations.
• Analytics and Research: To analyze user behavior, conduct research, and improve our products and services.

We may share your information with the following parties:

• Third-Party Service Providers: We may engage trusted third-party service providers to assist us in operating our business and providing services to you, such as payment processors, fraud detection and prevention services, and customer support platforms. These providers are contractually obligated to protect your information and only use it for the purposes specified by us.
• Financial Institutions: We may share your information with financial institutions to process transactions and provide banking services.
• Legal and Regulatory Compliance: We may disclose your information to comply with applicable laws, regulations, legal processes, or enforceable governmental requests.
• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the acquiring entity.

• Access and Update: You can access, review, and update your personal information by logging into your iPAY account.
• Marketing Communications: You can opt-out of receiving marketing communications from us by following the unsubscribe instructions provided in the communication or by contacting us directly.
• Location Data: You can control the collection and use of your location data through your device settings.

We implement industry-standard security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

The iPAY App is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information from our servers.

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on the iPAY App or website. You are advised to review this Privacy Policy periodically for any changes.

Effective Date: September 15, 2025

If you have any questions or concerns about this Privacy Policy, please contact us at info@ivmsgroup.com