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Privacy Policy

XPAY Privacy Policy

Effective Date: 14 April, 2025

At XPAY, we are committed to protecting your privacy. This Privacy Policy outlines how XPAY, including its affiliates and subsidiaries (collectively referred to as "XPAY," "we," "our," or "us"), collects, uses, shares, and protects your personal information when you use our services, website, mobile application, or any other platform (collectively referred to as the "XPAY Platform").

By downloading, installing, or using the XPAY Platform, you agree to the terms of this Privacy Policy. If you do not agree with these terms, please do not use the XPAY Platform.

1. Information We Collect

We may collect the following types of information when you interact with the XPAY Platform:

1.1 Personal Information

This includes information that identifies you as an individual, such as:

  • Full name
  • Contact information (email address, phone number)
  • Date of birth
  • Government-issued identification numbers (such as passport or ID card numbers)
  • Payment and transaction information (such as credit card details, billing addresses)

1.2 Sensitive Personal Information

In certain cases, we may collect sensitive personal information, such as:

  • Financial information
  • Biometric data (if required for authentication purposes)

1.3 Non-Personal Information

We may also collect non-personal information such as:

  • Browser and device information
  • IP address
  • Cookies and tracking technologies
  • Location data

1.4 App Usage Data

We collect information about how you interact with our app, including:

  • App performance and diagnostic data
  • Crash logs and error reports
  • User preferences and behavior within the app

2. How We Use Your Information

XPAY uses your information for the following purposes:

  • Service Provision: To provide, manage, and enhance the services available on the XPAY Platform.
  • Transaction Processing: To process payments and facilitate transactions made via the platform.
  • User Verification: To verify your identity and comply with legal obligations, such as KYC (Know Your Customer) requirements.
  • Communication: To send service-related notifications, promotional offers, and updates about the platform.
  • Security: To protect against fraud, unauthorized access, and misuse of your XPAY account.
  • Legal Compliance: To comply with applicable laws and regulatory requirements.

3. Sharing of Your Information

We do not sell or rent your personal information to third parties. However, we may share your information in the following circumstances:

  • Service Providers: We may share your information with trusted third-party service providers who help us deliver our services (e.g., payment gateways, customer support, KYC verification).
  • Business Partners: We may share limited information with business partners, including merchants and advertisers, to facilitate transactions or provide special offers.
  • Legal Obligations: We may disclose your information if required by law, regulation, or government request, or to protect the rights, property, or safety of XPAY, its users, or others.
  • Mergers or Acquisitions: In the event of a merger, acquisition, or sale of XPAY’s assets, your information may be transferred to the new owner.

4. Data Security

XPAY takes appropriate technical and organizational measures to safeguard your personal information against unauthorized access, misuse, loss, or destruction. These measures include encryption, firewalls, secure servers, and multi-factor authentication.

However, please note that no method of data transmission over the internet is completely secure, and we cannot guarantee the absolute security of your data.

5. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance your experience on the XPAY Platform. Cookies help us remember your preferences, understand how you use the platform, and improve our services.

You may disable cookies in your browser or device settings, but please note that certain features of the XPAY Platform may not function properly if cookies are disabled.

6. User Consent and Control

By using the XPAY Platform, you consent to the collection, use, and sharing of your information as described in this Privacy Policy. You may withdraw your consent at any time by contacting us, but please note that withdrawal of consent may impact your ability to use certain features of the XPAY Platform.

You can control how XPAY interacts with you through your device settings, including:

  • Opting out of location tracking
  • Disabling push notifications
  • Managing ad preferences

You can also manage permissions for data collection within the app settings on your device (for both iOS and Android).

7. Children's Privacy

XPAY does not knowingly collect personal information from children under the age of 18. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information. If you are a parent or guardian and believe your child has provided personal information to us, please contact us.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Once your information is no longer needed, we will securely delete or anonymize it.

9. Third-Party Links

The XPAY Platform may contain links to third-party websites or services that are not operated or controlled by XPAY. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party services you interact with.

10. Changes to This Privacy Policy

XPAY reserves the right to update or modify this Privacy Policy at any time. Any changes will be posted on the XPAY Platform, and the effective date of the updated Privacy Policy will be indicated at the top. Your continued use of the XPAY Platform after any such changes constitutes your acceptance of the revised Privacy Policy.

11. Contact Us

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

Email: [[email protected]]
Phone: [+960 3308586, +960 3329056]
Address: XPAY, Ma. Alhivilaa, Anoana Goalhi, Male’, Maldives.