1. Introduction
ReyPub Payment System ("ReyPub," "we," "us," or "our") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform, including all client portals, business portals, APIs, P2P trading services, local payment services, and any related services (collectively, the "Services").
BY ACCESSING OR USING REYPUB SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS PRIVACY POLICY. IF YOU DO NOT AGREE, YOU MUST IMMEDIATELY CEASE ALL USE OF OUR SERVICES.
2. Information We Collect
2.1 Personal Information
We collect the following personal information when you register, use our services, or interact with our platform:
- Identity Information: Full legal name, date of birth, nationality, gender
- Contact Information: Email address, phone number, WhatsApp number, physical/mailing address
- Government-Issued Documents: Passport, national ID (CNIC, NID, Aadhaar, Emirates ID, NIN, TC Kimlik, Residence Permit), driver's license, or any other identification documents submitted for KYC verification
- Financial Information: Bank account details, card numbers (tokenized), wallet addresses (TRC20, BEP20, ERC20), PayPal details, JazzCash/Easypaisa/NayaPay/SadaPay account details, transaction history, payment references
- Business Information: Business name, registration number, tax ID/EIN, business license, incorporation certificate, business address, website URL, business type, owner details
- Authentication Data: Passwords (hashed), transaction PINs (hashed), card PINs (hashed), OTP codes, 2FA settings, API keys
2.2 Automatically Collected Information
- Device Information: IP address, browser type and version, operating system, device identifiers
- Usage Data: Pages visited, features used, click patterns, timestamps, session duration
- Transaction Metadata: Transaction timestamps, amounts, counterparty information, payment method used, approval/rejection records
- Communication Data: Support chat messages, P2P chat messages, ticket content, appeal submissions
2.3 Third-Party Information
- Information from KYC verification processes
- Fraud detection and prevention data
- Information from payment gateways and processors
- Referral information from other ReyPub users or businesses
3. How We Use Your Information
We use your information for the following purposes:
- Account Management: Creating, maintaining, and securing your account
- KYC/AML Compliance: Verifying your identity and compliance with anti-money laundering regulations
- Transaction Processing: Processing payments, transfers, deposits, withdrawals, P2P trades, and settlements
- Fraud Detection: Monitoring transactions for suspicious activity, preventing unauthorized access, and investigating potential fraud
- Communication: Sending OTPs, transaction notifications, security alerts, support responses, and service updates
- Dispute Resolution: Investigating and resolving payment disputes, P2P trade appeals, and support tickets
- Legal Compliance: Complying with applicable laws, regulations, court orders, and government requests
- Service Improvement: Analyzing usage patterns to improve platform features and user experience
- Risk Assessment: Evaluating account risk levels, setting transaction limits, and determining tier eligibility
IMPORTANT: We reserve the right to use any and all collected data to investigate violations of our Terms of Service, suspected fraud, money laundering, or any illegal activity. This includes sharing such data with law enforcement authorities without prior notice to you.
4. Data Sharing and Disclosure
We may share your information with:
- Payment Counterparties: When you make or receive payments, certain information (name, account number) is shared with the other party as necessary to complete the transaction
- P2P Trading Partners: During P2P trades, your verified name and selected payment method details are shared with your trading counterparty
- Business Merchants: When you pay a business, your account information and transaction details are shared with the merchant
- Service Providers: Third-party providers who assist with payment processing, fraud detection, identity verification, and platform hosting
- Regulatory Authorities: Government agencies, regulators, law enforcement, and courts as required by applicable law
- Legal Proceedings: In connection with legal proceedings, investigations, or as otherwise required by law
WE WILL DISCLOSE YOUR INFORMATION WITHOUT YOUR CONSENT WHERE REQUIRED BY LAW, COURT ORDER, OR TO PROTECT THE SAFETY AND SECURITY OF OUR PLATFORM, OUR USERS, OR THE PUBLIC.
5. Data Retention
We retain your data as follows:
- Active Account Data: For the duration of your account being active, plus 7 years after account closure
- Transaction Records: Minimum 7 years from the date of the transaction, as required by financial regulations
- KYC Documents: Minimum 7 years after account closure or last transaction
- Communication Records: Support tickets and chat logs retained for 5 years
- Fraud Investigation Data: Retained indefinitely for accounts flagged for fraud, misleading information, or terms violations
PERMANENT RETENTION: If your account has been terminated due to fraud, provision of misleading/fake information, or violation of our Terms of Service, all associated data will be retained permanently and may be shared with relevant authorities and industry databases to prevent future fraud.
6. Data Security
We implement robust security measures to protect your information:
- All passwords, PINs, and sensitive credentials are cryptographically hashed using industry-standard algorithms
- Card details are tokenized and never stored in plain text
- API keys and secrets are generated using cryptographically secure random number generators
- All data in transit is encrypted using TLS/SSL
- Access to personal data is restricted to authorized personnel only
- Regular security audits and monitoring for unauthorized access
- Rate limiting and fraud detection systems to prevent abuse
While we take reasonable measures to protect your data, no method of transmission over the Internet or electronic storage is 100% secure. You acknowledge and accept this inherent risk.
7. Your Rights
Subject to applicable law and our legitimate interests (including fraud prevention and legal compliance), you may have the right to:
- Access: Request a copy of the personal data we hold about you
- Correction: Request correction of inaccurate personal data
- Deletion: Request deletion of your personal data (subject to legal retention requirements)
- Portability: Request your data in a machine-readable format
LIMITATIONS: We may refuse requests where: (a) doing so would compromise fraud prevention measures; (b) the data is required for legal compliance or ongoing investigations; (c) the data relates to accounts terminated for violations; (d) the request is excessive or unfounded. We may also require identity verification before processing any data request.
8. Cookies and Tracking
We use local storage and session data to:
- Maintain your login session (JWT tokens)
- Store user preferences and settings
- Track authentication state
By using our Services, you consent to the use of these technologies.
9. Children's Privacy
ReyPub services are strictly NOT intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we discover that a minor has created an account, we will immediately terminate the account and delete all associated data.
10. International Data Transfers
Your data may be processed and stored in any country where our servers or service providers operate. By using our Services, you consent to the transfer of your data to countries that may have different data protection laws than your country of residence.
11. Changes to This Policy
We reserve the right to modify this Privacy Policy at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Services after any changes constitutes your acceptance of the revised policy. It is your sole responsibility to review this policy periodically.
12. Contact Us
For privacy-related inquiries, contact us at:
- Email: privacy@reypub.com
- Support: Use the in-app support chat or submit a ticket through your portal