Privacy Policy

1. Information We Collect

PaymentGateway Pro collects information necessary to provide secure payment processing services:

Personal Information

• Name, email address, and contact information
• Business information and tax identification numbers
• Bank account and financial information
• Identity verification documents

Transaction Data

• Payment card information (encrypted and tokenized)
• Transaction amounts, dates, and merchant details
• Customer billing and shipping information
• Device and browser information

Technical Information

• IP addresses and geolocation data
• API usage logs and system interactions
• Website analytics and performance data
• Security and fraud prevention data

2. How We Use Your Information

We use collected information to:

• Process payments and manage transactions
• Prevent fraud and ensure security
• Comply with legal and regulatory requirements
• Provide customer support and technical assistance
• Improve our services and develop new features
• Send important service notifications

3. Information Sharing and Disclosure

We may share your information with:

Service Providers

• Payment networks (Visa, Mastercard, etc.)
• Banking partners and financial institutions
• Fraud prevention and security services
• Cloud infrastructure and hosting providers

Legal Requirements

• Government agencies and regulators
• Law enforcement when required by law
• Legal proceedings and court orders
• Anti-money laundering compliance

4. Data Security

We implement industry-leading security measures:

• PCI DSS Level 1 compliance
• End-to-end encryption for sensitive data
• Tokenization of payment card information
• Regular security audits and penetration testing
• Multi-factor authentication and access controls
• 24/7 security monitoring and incident response

5. Data Retention

We retain information for as long as necessary to:

• Provide ongoing services to your account
• Comply with legal and regulatory requirements
• Resolve disputes and prevent fraud
• Maintain business records as required by law

Transaction data is typically retained for 7 years, while account information is kept for the duration of your relationship with us plus applicable legal requirements.

6. Your Rights and Choices

Depending on your location, you may have rights to:

• Access and review your personal information
• Correct inaccurate or incomplete data
• Request deletion of your information
• Object to certain processing activities
• Data portability and transfer rights
• Withdraw consent where applicable

7. International Data Transfers

We operate globally and may transfer data across borders. We ensure appropriate safeguards through:

• Standard contractual clauses
• Adequacy decisions by regulatory authorities
• Binding corporate rules
• Certification schemes and codes of conduct

8. Cookies and Tracking

Our website uses cookies and similar technologies for:

• Essential website functionality
• Security and fraud prevention
• Analytics and performance monitoring
• Personalization and user experience

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this privacy policy periodically. We will notify you of material changes through email or prominent website notices.

11. Contact Us

For privacy-related questions or requests, contact our Data Protection Officer:

• Email: privacy@paymentgateway.com
• Phone: +1 (555) 123-4567
• Address: 123 Payment Street, New York, NY 10004