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PRIVACY POLICY

Privacy Policy

Last updated: July 4, 2026

Introduction

Welcome to CPayant. We respect your privacy and are committed to protecting your personal data. This Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your information when you use our Service, and tells you about your privacy rights and how the law protects you.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or plural.

Definitions

  • Account: A unique account created for You to access our Service or parts of our Service.
  • Affiliate: An entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares or equity interest entitled to vote for directors.
  • Application: Refers to CPayant, the software program provided by the Company.
  • Company (referred to as "the Company", "We", "Us" or "Our"): Refers to CPayant Co., 262 Chapman RD STE 240 27227, Newark, DE 19702, USA, its holding structure, and its global affiliates.
  • Cookies: Small files placed on your device by a website or application, containing details of your browsing history and usage patterns among its many uses.
  • Country: Refers to the United States of America (and jurisdictions globally where the Company's services are provisioned).
  • Device: Any device that can access the Service, such as a computer, smartphone, or tablet.
  • Personal Data: Any information relating to an identified or identifiable individual.
  • Service: Refers to the Application, the Website, or both.
  • Service Provider: Any natural or legal person who processes data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, provide the Service on behalf of the Company, perform services related to the Service, or assist the Company in analyzing how the Service is used.
  • Third-party Social Media Service: Any website or social network website through which a User can log in or create an account to use the Service.
  • Usage Data: Data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit or network performance metrics).
  • Website: Refers to CPayant, accessible from cpayant.com.
  • You: The individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

  • Email address
  • First name and last name
  • Phone number
  • Address, State, Province, ZIP/Postal code, City

Usage Data

Usage Data is collected automatically when using the Service. It may include information such as Your Device's Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers, and other diagnostic data. When You access the Service by or through a mobile device, We may also collect Your mobile device's unique ID, mobile operating system, and the type of mobile Internet browser You use, among other diagnostic data.

Information from Third-Party Social Media Services

The Company allows You to create an account and log in to use the Service through the following Third-party Social Media Services:

  • Google
  • Facebook
  • Instagram
  • X (formerly Twitter)
  • LinkedIn

If You decide to register through or otherwise grant us access to a Third-Party Social Media Service, We may collect Personal Data that is already associated with Your Third-Party Social Media Service's account, such as Your name, Your email address, Your activities, or Your contact list associated with that account. You may also have the option of sharing additional information with the Company through Your Third-Party Social Media Service's account. If You choose to provide such information and Personal Data, during registration or otherwise, You are giving the Company permission to use, share, and store it in a manner consistent with this Privacy Policy.

Information Collected while Using the Application

While using Our Application, in order to provide features of Our Application, We may collect, with Your prior explicit permission:

  • Information regarding your location (to facilitate localized services and regulatory compliance)
  • Information from your device's phone book (contacts list)
  • Pictures and other information from your device's camera and photo library

We use this information to provide features of Our Service, and to improve and customize Our Service. The information may be uploaded to the Company's servers and/or a Service Provider's server, or it may be simply stored on Your device. You can enable or disable access to this information at any time through Your Device settings.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies we use may include:

  • Cookies or Browser Cookies: A small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service.
  • Web Beacons: Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics.

Cookies can be "Persistent" or "Session" Cookies. We use both Session and Persistent Cookies for the purposes set out below:

  • Necessary / Essential Cookies — Type: Session Cookies. Administered by: Us. Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
  • Cookies Policy / Notice Acceptance Cookies — Type: Persistent Cookies. Administered by: Us. Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
  • Functionality Cookies — Type: Persistent Cookies. Administered by: Us. Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

How We Use Your Personal Data

The Company may use Personal Data for the following purposes:

  • To provide and maintain our Service: Including to monitor the usage of our Service and secure cross-border transactions.
  • To manage Your Account: To manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
  • For the performance of a contract: The development, compliance, and undertaking of the contract for the products, items, or services You have purchased or of any other contract with Us through the Service.
  • To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products, or contracted services, including security updates, when necessary or reasonable for their implementation.
  • To provide You with news and general information: About other goods, services, and events which we offer that are similar to those that you have already purchased or enquired about, unless You have opted not to receive such information.
  • To manage Your requests: To attend to and manage Your requests to Us.
  • For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
  • For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns, and evaluating and improving our Service, products, services, marketing, and your experience.

Sharing Your Personal Data

We may share Your personal information in the following situations:

  • With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, or to contact You.
  • For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
  • With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners, or other companies that We control or that are under common control with Us.
  • With business partners: We may share Your information with Our business partners (such as partner financial or microfinance institutions) to deliver the core infrastructure, services, or integrated features of the Application.
  • With other users: When You share personal information or otherwise interact in public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see Your name, profile, pictures, and description of Your activity.
  • With Your consent: We may disclose Your personal information for any other purpose with Your explicit consent.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable global financial and anti-money laundering laws), resolve disputes, and enforce our legal agreements and policies. The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. This means this information may be transferred to — and maintained on — computers located outside of Your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of Your jurisdiction.

As the Company operates globally across multiple countries, we ensure that transfers of personal data outside regional jurisdictions are protected by appropriate safeguarding mechanisms, including Standard Contractual Clauses (SCCs) or recognized regional equivalence frameworks. Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

Your Data Protection Rights

Depending on your location, you have rights under applicable global and regional data protection laws regarding your Personal Data. These include:

  • The right to access, update, or delete the information we have on you.
  • The right of rectification: You have the right to have your information rectified if it is inaccurate or incomplete.
  • The right to object: You have the right to object to our processing of your Personal Data.
  • The right of restriction: You have the right to request that we restrict the processing of your personal information.
  • The right to data portability: You have the right to be provided with a copy of the information we have on you in a structured, machine-readable, and commonly used format.
  • The right to withdraw consent: You also have the right to withdraw your consent at any time where the Company relied on your consent to process your personal information.

You may update, amend, or delete Your information at any time by signing in to Your Account and visiting the profile settings section. You may also contact us directly using the details provided below to exercise these rights. Please note that we may need to retain certain information when we have a legal obligation or lawful basis to do so.

Security of Your Personal Data

The security of Your Personal Data is paramount to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable and regulatory-compliant means to protect Your Personal Data, We cannot guarantee its absolute security.

Children's Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take immediate steps to remove that information from Our servers.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service prior to the change becoming effective, and we will update the "Last updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions about this Privacy Policy or wish to exercise any of your data protection rights, you can contact us:

  • By email: contact@cpayant.com
  • By visiting this page on our website: cpayant.com/contact
  • By mail: CPayant Co., 262 Chapman RD STE 240 27227, Newark, DE 19702, United States of America.