Privacy Policy

1. Information We Collect

We collect information you provide directly to us, such as when you create an account, use our services, or contact us for support.

Personal Information

• Name, email address, and contact information
• Business information such as company name
• Wallet addresses and cryptocurrency transaction data

Automatically Collected Information

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, features used, time spent)
• Transaction metadata and blockchain interaction data
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our stablecoin invoicing services
• Process payments and facilitate cryptocurrency transactions
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements
• Send you service updates, security alerts, and support messages
• Analyze usage patterns to enhance user experience
• Provide customer support and respond to inquiries

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

Service Providers

We work with third-party service providers who help us operate our platform, including payment processors, blockchain networks, identity verification services, and analytics providers.

Legal Requirements

We may disclose your information if required by law, regulation, legal process, or government request, including to comply with anti-money laundering (AML) and know-your-customer (KYC) requirements.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.

Blockchain Transparency

Cryptocurrency transactions are recorded on public blockchains. While wallet addresses may not directly identify you, transaction details are publicly viewable on blockchain explorers.

4. Data Security

We implement comprehensive security measures to protect your information:

• End-to-end encryption for sensitive data transmission
• Secure storage with industry-standard encryption
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Secure API endpoints with rate limiting and monitoring
• Employee access controls and security training

5. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Transaction records may be retained for extended periods as required by financial regulations. You may request deletion of your personal information, subject to legal and regulatory requirements.

6. Your Rights and Choices

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

• Access and review your personal information
• Correct or update inaccurate information
• Request deletion of your personal information
• Object to or restrict certain processing activities
• Data portability (receive a copy of your data)
• Withdraw consent for optional data processing

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Provide security and fraud protection
• Analyze site usage and performance
• Deliver relevant content and features

You can control cookie settings through your browser preferences, though some features may not function properly if cookies are disabled.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data in accordance with applicable privacy laws and regulations.

9. Children's Privacy

StablePay is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

10. Third-Party Services

Our service may contain links to third-party websites or integrate with external services. This privacy policy does not apply to third-party services, and we encourage you to review their privacy policies before providing any personal information.

11. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell personal information.

12. GDPR Compliance

For users in the European Union, we comply with the General Data Protection Regulation (GDPR). We process your data based on legitimate interests, contractual necessity, legal compliance, or your consent. You have the right to lodge a complaint with your local data protection authority.

13. Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices or applicable laws. We will notify you of material changes via email or through the service. Your continued use of StablePay after changes take effect constitutes acceptance of the updated policy.

14. Contact Us

If you have questions about this privacy policy or our data practices, please contact us through the support channels available in your StablePay dashboard or email us at the contact information provided on our website.