Privacy Policy

1. Introduction

Chain2Pay ("Company," "we," "us," or "our"), a company incorporated and registered in the Republic of Panama, operates a payment gateway service that facilitates card-to-cryptocurrency transactions for merchants. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

By accessing or using Chain2Pay services, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.

2. Company Information

3. Nature of Our Service

Chain2Pay operates as a payment gateway intermediary. It is important to understand that:

• We do not hold, store, or take custody of any customer funds
• Funds do not transit through Chain2Pay accounts or wallets
• We act solely as a technical bridge connecting card payments to cryptocurrency payouts
• All transactions are processed through licensed third-party payment processors
• Cryptocurrency settlements are made directly to merchant-designated wallets

As a non-custodial intermediary, Chain2Pay facilitates the conversion process without ever taking possession of funds, thereby operating within the legal framework established for payment service technology providers.

4. Information We Collect

4.1 Merchant Information

• Business name and registration details
• Contact information (email, phone, address)
• Cryptocurrency wallet addresses for payouts
• Website URL and business description
• API credentials and integration data

4.2 Transaction Data

• Transaction amounts and currencies
• Transaction timestamps and reference IDs
• Payment method used (card type, issuing country)
• Transaction status and outcome

4.3 Technical Data

• IP addresses and device information
• Browser type and version
• Operating system
• Referring URLs and access times

Important: Chain2Pay does not collect, store, or have access to full credit card numbers, CVV codes, or card PINs. All sensitive payment data is processed directly by PCI-DSS compliant payment processors.

5. How We Use Your Information

We use the information we collect to:

• Process and facilitate payment transactions
• Provide customer support and respond to inquiries
• Monitor and prevent fraudulent activity
• Comply with legal obligations and regulatory requirements
• Improve and optimize our services
• Send service-related communications
• Generate aggregated analytics and reporting for merchants

6. Information Sharing and Disclosure

We may share your information with:

• Payment Processors: To facilitate transaction processing
• Fraud Prevention Services: To detect and prevent fraudulent activity
• Legal Authorities: When required by law or to protect our legal rights
• Business Transfers: In connection with mergers, acquisitions, or asset sales

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

7. Data Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL/TLS encryption for all data transmission
• Encrypted data storage at rest
• Regular security audits and penetration testing
• Access controls and authentication protocols
• 24/7 monitoring and intrusion detection systems

8. Data Retention

We retain your information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. Transaction records are retained for a minimum of five (5) years to comply with anti-money laundering regulations and for dispute resolution purposes. You may request deletion of your account data by contacting us, subject to legal retention requirements.

9. International Data Transfers

As a Panama-based company operating globally, your information may be transferred to and processed in countries other than your country of residence. By using our services, you consent to the transfer of your information to Panama and other jurisdictions where we or our service providers operate. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

10. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate data
• Request deletion of your data (subject to legal requirements)
• Object to or restrict certain processing activities
• Receive a copy of your data in a portable format

To exercise these rights, please contact us at support@chain2pay.is.

11. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze usage patterns, and improve our services. You can manage cookie preferences through your browser settings. Essential cookies required for service functionality cannot be disabled.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. Your continued use of our services after any changes constitutes acceptance of the updated policy.