Paymxnts Privacy Policy

Last Updated: August 28, 2025

Paymxnts (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our mobile application (“App”) and related services. By using the App, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the App.

This Privacy Policy complies with the California Consumer Privacy Act (CCPA), Apple App Store requirements, and other applicable laws.

1. Information We Collect

We collect information that identifies, relates to, describes, or could reasonably be linked to you (“Personal Information”) as follows:

a. Information You Provide

• Account Information: When you create an account, we collect your name, email address, phone number, and payment information (e.g., credit card details or other payment methods).
• User Content: Information you provide when using the App, such as transaction details, comments, or communications with us.
• Customer Support: Information you provide when contacting us for support, such as your name, contact details, and the nature of your inquiry.

b. Information Collected Automatically

• Usage Data: Information about your interactions with the App, including pages viewed, features used, time spent, and actions taken.
• Device Information: Device type, operating system, unique device identifiers, IP address, and mobile network information.
• Location Data: With your consent, we may collect precise or approximate location data to provide location-based services (e.g., fraud detection or transaction verification).
• Analytics Data: We use third-party analytics tools to collect anonymized data about App usage, such as crash reports and performance metrics.

c. Information from Third Parties

• Payment Processors: We receive limited information from payment processors to facilitate transactions, such as transaction status or verification details.
• Third-Party Services: If you connect third-party accounts (e.g., bank accounts or social media) to the App, we may receive information like account details or authentication tokens.

2. How We Use Your Information

We use your Personal Information for the following purposes:

• To Provide and Improve the App: To process transactions, manage your account, and enhance App functionality.
• To Personalize Your Experience: To tailor content and features based on your preferences and usage.
• For Security and Fraud Prevention: To verify transactions, detect fraud, and protect the security of the App.
• To Communicate with You: To send transactional emails, respond to inquiries, and provide updates about the App.
• For Analytics and Research: To analyze usage trends and improve our services.
• To Comply with Legal Obligations: To meet regulatory requirements and respond to legal requests.

3. How We Share Your Information

We do not sell your Personal Information. We may share your information as follows:

• With Service Providers: We share information with trusted third-party service providers (e.g., payment processors, cloud storage providers, or analytics providers) who assist us in operating the App. These providers are contractually obligated to protect your information.
• For Legal Purposes: We may disclose information to comply with legal obligations, respond to law enforcement requests, or 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.
• With Your Consent: We may share information with third parties when you explicitly consent.

4. California Consumer Privacy Act (CCPA) Rights

If you are a California resident, you have the following rights under the CCPA:

a. Right to Know

You have the right to request, up to twice in a 12-month period, information about the Personal Information we have collected, used, disclosed, or sold in the past 12 months, including:

• Categories of Personal Information collected.
• Sources from which Personal Information is collected.
• Business or commercial purpose for collecting or selling Personal Information.
• Categories of third parties with whom we share Personal Information.
• Specific pieces of Personal Information we have collected about you.

b. Right to Delete

We have enabled the option for users to delete their accounts from within the app at any time. This update gives you full control over your personal data, ensuring a more transparent and secure user experience. The account deletion process is designed to be straightforward and can be easily initiated from your account settings. Please note that deleting your account will permanently remove all associated personal data. If you have any questions or require assistance, our support team is ready to help.

You have the right to request the deletion of your Personal Information, subject to certain exceptions (e.g., where we need the information to complete a transaction or comply with legal obligations).

c. Right to Opt-Out of Sale

We do not sell your Personal Information as defined under the CCPA. If this changes, we will provide a clear opt-out mechanism.

d. Right to Non-Discrimination

We will not discriminate against you for exercising your CCPA rights, including by denying services, charging different prices, or providing a different level of service.

e. How to Exercise Your CCPA Rights

To exercise your CCPA rights, contact us at:

• Email: info@paymxnts.com
• Phone: (725) 222-1494
• Online: Submit a request through the App’s privacy settings.

We will verify your identity before processing your request, which may require you to provide additional information (e.g., account details). You may also designate an authorized agent to submit requests on your behalf, provided they have written permission and we can verify their identity.

5. Data Retention

We retain Personal Information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. For example:

• Account information is retained for the duration of your account and up to 7 years thereafter to comply with tax and financial regulations.
• Usage data is retained for up to 2 years for analytics purposes.
• Location data is retained only for the duration of the transaction or session, unless you consent to longer retention.

6. Data Security

We implement reasonable technical and organizational measures to protect your Personal Information, including encryption, access controls, and secure servers. However, no system is completely secure, and we cannot guarantee absolute security.

7. Children’s Privacy

The App is not intended for use by individuals under 13 years of age. We do not knowingly collect Personal Information from children under 13. If we learn that we have collected such information, we will delete it promptly. Contact us if you believe we have inadvertently collected information from a child under 13.

8. International Data Transfers

If you are located outside the United States, your information may be transferred to and processed in the United States or other countries where our service providers operate. We ensure appropriate safeguards are in place, such as Standard Contractual Clauses, to protect your information.

9. Third-Party Links and Services

The App may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any Personal Information.

10. Cookies and Tracking Technologies

We use cookies and similar technologies (e.g., pixels, SDKs) to enhance your experience, analyze usage, and deliver personalized content. You can manage cookie preferences through your device settings or the App’s privacy settings.

11. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of material changes by posting the updated policy in the App or sending you a notification. Your continued use of the App after such changes constitutes your acceptance of the updated policy.

12. Contact Us

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

• Email: info@paymxnts.com
• Phone: (725) 222-1494
• Mailing Address: Paymxnts, LLC. 732 South 6th St #4630 Las Vegas, NV 89101

13. Apple App Store Requirements

To comply with Apple App Store requirements:

• We provide clear information about data collection and use in this Privacy Policy.
• We obtain your consent before collecting location data or other sensitive information.
• You can manage your data preferences, including opting out of certain data collection, through the App’s settings.
• We ensure that all data processing complies with applicable laws and Apple’s guidelines.