Privacy Policy

1. Introduction

Dcode Pay ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and payment processing services.

By using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

We may collect personally identifiable information that you provide to us, including:

• Name and contact information (email address, phone number)
• Business information (business name, address, tax identification)
• Financial information (bank account details, payment card information)
• Identity verification documents

2.2 Transaction Information

When you process payments through our service, we collect:

• Transaction amounts and dates
• Payment method information
• Customer payment data (processed securely through Stripe)
• Transaction history and analytics

2.3 Technical Information

We automatically collect certain technical information, including:

• Device information (device type, operating system, unique device identifiers)
• Usage data (app features used, time spent in app)
• Log data (IP address, access times, error logs)
• Location data (if you grant permission)

3. How We Use Your Information

We use the collected information for various purposes:

• To provide and maintain our payment processing services
• To process transactions and send transaction confirmations
• To verify your identity and prevent fraud
• To provide customer support and respond to inquiries
• To improve our services and develop new features
• To comply with legal obligations and regulatory requirements
• To send important updates about our services
• To analyze usage patterns and optimize app performance

4. Information Sharing and Disclosure

4.1 Third-Party Service Providers

We share information with trusted third-party service providers who assist us in operating our services:

• Stripe: Payment processing and financial services
• Cloud service providers: Data storage and hosting
• Analytics providers: App performance and usage analytics
• Customer support tools: To provide customer service

4.2 Legal Requirements

We may disclose your information if required to do so by law or in response to:

• Legal process or government requests
• Fraud prevention and security investigations
• Protection of our rights, property, or safety
• Compliance with financial regulations

4.3 Business Transfers

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

5. Data Security

We implement appropriate technical and organizational security measures to protect your information:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication measures
• Compliance with PCI DSS standards for payment data
• Employee training on data protection practices

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Meet regulatory requirements (typically 7 years for financial records)

When information is no longer needed, we securely delete or anonymize it.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal requirements)
• Portability: Request a copy of your information in a portable format
• Restriction: Request restriction of processing in certain circumstances
• Objection: Object to processing based on legitimate interests

To exercise these rights, please contact us using the information provided below.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers are conducted in accordance with applicable data protection laws and implement appropriate safeguards to protect your information.

9. Children's Privacy

Our services are not intended for 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 personal information from a child under 18, we will take steps to delete such information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending you an email notification
• Providing an in-app notification

Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

11. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us: