Privacy Policy — TechTech Pay

Introduction

Thank you for choosing the services and products of TechTech Pay ("TechTech Pay", "we", "our"). This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you access or use our services, website and apps (collectively, "Services"). By using the Services you agree to the practices described in this Policy.

Data We Collect

We may collect, process, and store personal data about you and persons related to you (directors, representatives, beneficiaries, guarantors, etc.), including, without limitation:

• Identification: full name, date of birth, nationality, identification document (passport or ID), photo/scan of documents.
• Contact: residential address, email, phone.
• Financial information: bank details, transaction history, blockchain addresses, balances and movements.
• Profile and usage data: username, account credentials, preferences, access logs and records.
• Compliance data: source of funds, proof of wealth, KYC/KYB documents, tax declarations, information about linked persons.
• Technical data: IP address, device identifiers, cookies and telemetry data.
• Any other data you or a representative voluntarily provide.

Purposes of Processing

We use your data to:

• Provide, operate, maintain and improve the Services.
• Perform contracts and take actions necessary to provide the Services (including card program eligibility).
• Process deposits, crypto→fiat conversions, withdrawals, authorizations and reconciliations.
• Comply with legal, regulatory and tax obligations (KYC/AML, sanctions, reporting to authorities).
• Detect, prevent and investigate fraud, abuse and other illicit activity.
• Communicate operational updates, essential notices and information about your account.
• Send marketing communications where consented, unless you opt out.
• Conduct analytics, internal audits and product improvements.

Legal Bases

Where applicable, we rely on: performance of a contract, compliance with a legal obligation, consent, legitimate interests (e.g., fraud prevention, security and product improvement) and protection of legal rights.

Data Sharing

We may share data with:

• Operational partners: issuer/BIN sponsor, custodians, payment processors, KYC/AML providers, exchanges, market makers and liquidity providers.
• Infrastructure and service providers (cloud, hosting, analytics, support, communications).
• Public authorities and regulatory agencies when required by law or court order.
• Our group companies and potential purchasers or assignees in restructuring or sale events.
• Third parties performing aggregated/anonymous analyses.

International Transfer

Your data may be transferred and processed outside the United Arab Emirates, including in jurisdictions with different data protection rules. We adopt reasonable safeguards (contractual clauses, technical and organizational controls) to protect transferred data.

Data Retention

We will retain your data for as long as necessary to fulfill the purposes described, comply with legal obligations and preserve legal rights. Retention criteria include regulatory requirements (KYC/AML), operational necessity and dispute resolution.

Your Rights

Depending on applicable law, you may have rights over your personal data such as: access, rectification, erasure, restriction of processing, portability, objection to processing and withdrawal of consent. We may require identity verification before fulfilling requests.

Cookies and Similar Technologies

We use cookies and similar technologies for functional, security, analytics and marketing purposes. You can set your browser to refuse cookies; however, this may affect Service functionality.

Security

We implement reasonable technical and organizational measures to protect personal data (encryption in transit, controlled access, multi-factor authentication, periodic reviews). No transmission or storage method is completely secure; we will notify users and authorities as required by law in case of a relevant data breach.

Minors Policy

Our Services are not intended for persons under 18. We do not knowingly collect data from minors. If you become aware of inadvertent collection, contact us for removal.

Communications and Marketing

We may send marketing communications where consented. You may opt out at any time following the unsubscribe links in messages.

Compliance and Forced Retention

We may retain and process data even after a deletion request where necessary to comply with law, investigations, litigation or regulatory obligations.

Third-Party Links

Services may contain links to third-party sites with their own policies. We are not responsible for privacy practices of those sites.

Changes to This Policy

We may update this Policy periodically. We will notify you of material changes via app, email or website posting. Continued use after publication indicates acceptance.

Contact and Requests

For questions or requests for access, correction, deletion or other personal data requests, contact: support@techtechpay.com.

Final Provisions

This Policy supplements the Terms of Use and other applicable notices. In case of conflict, specific terms will prevail as indicated.

Jurisdiction

TechTech Pay is incorporated and operates from Singapore, Republic of Singapore. This Policy will be interpreted in accordance with the applicable laws as set forth in the Terms of Use.

Version and Language

In case of translation, the version specified in the app shall prevail as indicated.