Privacy Policy

Introduction

Pay86 (hereinafter referred to as "we" or "the Platform") highly values user privacy protection. This Privacy Policy aims to explain to you how we collect, use, store, share, and protect your personal information.

Before using Pay86 services, please carefully read and fully understand this Privacy Policy. Once you use or continue to use our services, you agree that we process your related information in accordance with this Privacy Policy.

1. Information We Collect

1.1 Information You Actively Provide

When you register an account, use services, or communicate with us, we may collect the following information:

• Account Information: Username, email, phone number, password, etc.
• Identity Verification Information (KYC): Name, ID number, ID photos, address, etc.
• Business Information (KYB): Company name, registered address, business license, legal representative information, etc.
• Wallet Address: Your USDT wallet address and related blockchain account information
• Payment Information: Transaction amount, counterparty, transaction time, etc.

1.2 Information We Automatically Collect

During your use of our services, we may automatically collect the following information:

• Device Information: Device model, operating system, unique device identifiers, IP address, etc.
• Log Information: Access time, pages visited, click behavior, API call records, etc.
• Cookies and Similar Technologies: Used to identify your browser or device and improve user experience
• Blockchain Data: Public on-chain transaction records, including transaction hashes, block height, timestamps, etc.

1.3 Information We Obtain from Third Parties

• Public transaction data obtained from blockchain explorers
• KYC/KYB verification results obtained from partner identity verification service providers
• Risk assessment information obtained from anti-money laundering (AML) and risk control service providers

2. How We Use Your Information

We collect and use your personal information for the following purposes:

2.1 Providing and Improving Services

• Create and manage your account
• Process USDT collection, aggregation, settlement and other transactions
• Provide API interfaces and technical support
• Generate transaction reports and statistics
• Optimize service performance and improve user experience

2.2 Security and Compliance

• Verify your identity, prevent fraud and unauthorized access
• Detect and prevent money laundering, terrorist financing and other illegal activities
• Fulfill legal obligations, comply with anti-money laundering (AML) and know your customer (KYC) requirements
• Protect user funds and platform security

2.3 Communication and Customer Service

• Respond to your inquiries and complaints
• Send service notifications, account reminders, security warnings
• Push important product updates and policy changes

2.4 Marketing and Promotion (With Your Consent)

• Send you product recommendations, promotional activities and other marketing information
• Invite you to participate in user research or satisfaction surveys

You can unsubscribe from marketing information at any time through settings or by contacting us.

3. How We Share Your Information

We will not sell, rent, or trade your personal information. We only share your information in the following circumstances:

3.1 Service Providers

We may share necessary information with the following third-party service providers:

• Cloud computing and data storage service providers
• Identity verification (KYC/KYB) service providers
• Anti-money laundering (AML) and risk control service providers
• Customer service and technical support tool providers

These service providers can only use your information within the scope of our authorization and have confidentiality obligations.

3.2 Legal Requirements

In the following circumstances, we may disclose your information:

• Comply with applicable laws, regulations, legal proceedings or government requirements
• Respond to court subpoenas, search warrants or other lawful requests
• Protect the rights, property or safety of Pay86, users or the public
• Detect, prevent or address fraud, security or technical issues

3.3 Business Transfer

If Pay86 undergoes a merger, acquisition, reorganization or asset sale, your information may be transferred as part of business assets. We will notify you before the transfer and ensure that the transferee continues to comply with this Privacy Policy.

4. How We Protect Your Information

We take reasonable technical and managerial measures to protect the security of your personal information:

• Data Encryption: Use SSL/TLS to encrypt data transmission, encrypt and store sensitive information
• Access Control: Restrict access to personal information, only authorized personnel can access within necessary scope
• Security Audits: Conduct regular security assessments and vulnerability scans
• Employee Training: Conduct data protection and privacy training for employees
• Incident Response: Develop data breach emergency plans, respond to security incidents promptly

Although we take reasonable measures, please understand that no Internet transmission or storage method is 100% secure.

5. Your Rights

According to applicable data protection laws, you have the following rights:

5.1 Right of Access

You have the right to request access to personal information we hold about you.

5.2 Right of Rectification

You have the right to request correction of inaccurate or incomplete personal information.

5.3 Right of Erasure

In certain circumstances, you have the right to request deletion of your personal information ("right to be forgotten").

5.4 Right to Restrict Processing

You have the right to request restriction of processing your personal information.

5.5 Right to Data Portability

You have the right to receive your personal information in a structured, commonly used and machine-readable format.

5.6 Right to Object

You have the right to object to our processing of your personal information for direct marketing purposes.

5.7 Right to Withdraw Consent

If we process personal information based on your consent, you have the right to withdraw consent at any time.

To exercise the above rights, please contact us via: Telegram @Pay86net. We will respond to your request within a reasonable period.

6. Cookies and Similar Technologies

We use cookies and similar technologies (such as pixel tags, local storage) to:

• Remember your login status and preference settings
• Analyze website traffic and user behavior
• Provide personalized content and advertisements
• Improve website performance and security

You can manage or disable cookies through browser settings. However, please note that disabling cookies may affect the normal use of some functions.

7. International Data Transfer

Your personal information may be transferred to and processed and stored on servers outside your country/region. We will ensure that cross-border transfers comply with applicable data protection laws and take appropriate measures to protect your information.

8. Children's Privacy

Our services are intended for adults. We do not knowingly collect personal information from minors under 18 years of age. If you discover that we have collected information from minors, please contact us immediately and we will delete it promptly.

9. Data Retention

We only retain your personal information for the period necessary to achieve the collection purpose. The specific retention period depends on:

• Time required to provide services
• Legal, accounting or reporting requirements
• Needs to resolve disputes and enforce agreements

After the retention period expires, we will delete or anonymize your personal information.

10. Changes to Privacy Policy

We may update this Privacy Policy from time to time. Significant changes will be notified through website announcements, emails or other means. The updated policy will take effect immediately upon publication. We recommend that you review this Privacy Policy regularly.

11. Contact Us

If you have any questions, comments or complaints about this Privacy Policy, or wish to exercise your privacy rights, please contact us via:

• Telegram: @Pay86net

We will respond within 30 days of receiving your request.

12. Applicable Law

This Privacy Policy is governed by Singapore law. If any dispute arises between you and us regarding this Privacy Policy, the parties shall first resolve it through friendly negotiation; if negotiation fails, either party may file a lawsuit with a court having jurisdiction over Pay86's place of registration.