At Internopay, we are dedicated to developing innovative financial solutions for global businesses. We understand that earning your trust begins with respecting your privacy. That is why we are committed to managing your personal information responsibly, securely, and transparently.

This Privacy Policy explains how Internopay, along with its subsidiaries and affiliates ("Internopay," "we," "our," or "us"), collects, uses, shares, and protects your personal information when you:

• Visit our website;
• Access or use our mobile applications;
• Create or maintain an Internopay account;
• Participate in any of our business programs or initiatives;
• Attend Internopay-hosted in-person or virtual events; or
• Communicate or engage with Internopay through surveys, promotions, partnerships, or other marketing activities.

This Privacy Policy also outlines your rights and choices concerning your personal data and provides guidance on how to contact us regarding any privacy-related inquiries.

INFORMATION WE COLLECT

At Internopay, we are committed to maintaining the privacy and security of your personal and business information. We collect information from various sources to provide secure, compliant, and efficient cross-border payment and fintech services.

WE COLLECT INFORMATION IN THE FOLLOWING WAYS:

Directly from you: when you open an Internopay account, verify your identity, complete a transaction, or communicate with us.

Automatically: through your interactions with our websites, applications, and digital platforms via cookies, server logs, and analytics tools.

From third-party sources: such as our affiliates, financial partners, compliance verification providers, payment processors, and publicly available databases.

PERSONAL AND BUSINESS INFORMATION YOU PROVIDE

We collect personal and business related information to verify your identity, manage your account, process transactions, and meet regulatory obligations. This may include:

• Contact details: Full name, business name, email, phone number, and address.
• Identification details: Government issued ID, tax identification number, passport, or business registration documents.
• Financial and transactional details: Bank account information, transaction records, funding sources, and beneficiary details.
• Business details: Ownership structure, nature of operations, authorized users, and compliance documentation.

PURPOSES FOR COLLECTION:

• To create and manage your Internopay account.
• To comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.
• To facilitate cross border transfers and related financial services.
• To verify your business identity and authorized representatives.
• To detect, investigate, and prevent fraud or unauthorized access.
• To comply with applicable U.S. and international regulatory obligations.

DEMOGRAPHIC INFORMATION

We may collect demographic details such as your date of birth, gender, citizenship status, marital status, and similar information. This is to confirm your eligibility to use our regulated financial services, understand our users and improve our products, comply with applicable laws and financial regulations.

INTERNET OR NETWORK ACTIVITY INFORMATION

When you interact with our website or mobile applications, we may automatically collect:

IP addresses, browser type, device ID, and operating system information.

Referring URLs, timestamps, usage logs, and geo-location data.

PURPOSES FOR COLLECTION:

• To perform analytics and monitor platform performance.
• To enhance security and detect unauthorized access.
• To improve our website experience and services.
• To deliver marketing and advertising tailored to your interests.

MARKETING PREFERENCE INFORMATION

We may collect your communication and marketing preferences, including how you wish to receive updates or promotional messages. This is to tailor marketing and service communications to your preferences, improve our customer engagement and service experience.

AUDIO AND VIDEO RECORDINGS

We may record customer service or business related calls, virtual meetings, or feedback sessions. This is to provide and support our services, improve quality assurance and resolve customer issues.

HOW WE USE INFORMATION

We use the personal and business information we collect to provide, improve, and secure our services while fulfilling regulatory and operational obligations. Specifically, we use information to:

• Deliver and support Internopay's cross-border payment and fintech services.
• Process transactions, manage accounts, and handle support requests.
• Comply with AML, KYC, and other financial regulations.
• Maintain accurate records and ensure business continuity.
• Prevent fraud, unauthorized access, and illegal transactions.
• Conduct internal analytics, product development, and service improvements.
• Communicate with users regarding updates, promotions, or regulatory changes.
• Conduct surveys, collect feedback, and analyze user trends.
• Develop anonymized or aggregated insights for analytics and reporting.
• Fulfill our legal, tax, and record-keeping obligations.

HOW WE SHARE INFORMATION

Third Parties and Service Providers:

We may share personal information with trusted third parties who assist in delivering our services, including:

• Affiliates and subsidiaries to provide coordinated financial and compliance support.
• Financial partners and processors for payment facilitation and settlement.
• Service providers for customer support, identity verification, analytics, and security.
• Joint partners for legitimate business collaborations and promotional programs.
• Government and regulatory bodies when required by law or regulation.
• Potential acquirers or successors in connection with mergers, acquisitions, or restructuring.

NO SALE OF PERSONAL INFORMATION

Internopay does not sell your personal information. We only share data with authorized parties for legitimate operational, compliance, or regulatory reasons.

SENSITIVE INFORMATION

We do not process sensitive personal information for purposes beyond those legally permitted such as ensuring security, providing regulated services, or meeting compliance obligations.

USE OF ARTIFICIAL INTELLIGENCE

Internopay may use AI and machine learning technologies to enhance operational efficiency, security, and customer experience. These technologies help us:

• Verify identities and documents.
• Detect and prevent fraud.
• Automate customer service responses.
• Assess business risk profiles and categorize transactions.
• Improve product functionality and compliance monitoring.

We do not rely solely on AI to make legally or financially significant decisions about users. All such processes include human oversight to ensure fairness, accuracy, and accountability.

USE OF COOKIES

Internopay and our third-party partners use cookies and other tracking technologies to automatically collect usage information when you visit our website, use our services, read emails, or otherwise engage with us. These tracking technologies include cookies, web beacons, clear GIFs, device identifiers, and similar tools.

What Are Cookies?

Cookies are small data files stored on your device to remember information about your interaction with our services. The types of cookies we use include:

Essential Cookies: Required for basic functionality, including secure access, transaction processing, and account management. Blocking these cookies may prevent some services from functioning properly.

Analytical Cookies: Help us understand website traffic and usage patterns to improve our services, optimize content, and measure user engagement. These may include persistent cookies that store preferences or statistical data.

Functional Cookies: Enable personalized experiences, such as remembering your choices or greeting you by name.

Advertising Cookies: Facilitate targeted advertising and marketing, both on our platforms and third-party websites, based on user interests and demographic trends. Third-party ad servers may use these cookies to track ad performance and deliver relevant content.

MANAGING YOUR INFORMATION

You have control over the personal information you share with Internopay:

Profile and Data Sharing: Update your profile information and adjust sharing preferences through your account settings.

Mobile Device Controls: Manage permissions for location, contacts, camera, or other device data via your device settings.

Communication Preferences: Opt-out of promotional emails via the unsubscribe link. Note that service-related messages (e.g., account alerts, verification, and security notices) cannot be opted out of.

DATA STORAGE AND TRANSFER

Your information may be stored or processed in other jurisdictions where Internopay, our affiliates, or service providers operate.

We implement safeguards to ensure your data is protected according to applicable privacy principles, even in jurisdictions with differing data protection laws.

DATA PROTECTION MEASURES

We employ reasonable technical and organizational measures to protect your information from unauthorized access, use, or disclosure. While we strive for maximum security, no system is fully immune to risk. If legally required, we may notify you of a data breach via email, phone, or other means.

AGE RESTRICTION

Internopay services are not intended for minors. We do not knowingly collect information from children under 13, or share/sell personal data of individuals under 16. Parents or guardians who believe we have inadvertently collected information from a minor may contact us at support@internopay.com

YOUR PRIVACY RIGHTS

Depending on your jurisdiction, you may have the following rights:

RIGHT TO ACCESS

Request information about the personal data we have collected, its sources, purposes, and the third parties with whom it was shared in the last 12 months.

RIGHT TO CORRECT

Request correction or updating of inaccurate personal information.

RIGHT TO DELETE

Request deletion of personal information, subject to legal or regulatory retention requirements.

RIGHT TO OBJECT OR RESTRICT PROCESSING

Request limitations on the processing of your personal information in certain circumstances.

RIGHT TO NON-DISCRIMINATION

You will not face discrimination for exercising your privacy rights.

RIGHT TO APPEAL

You may appeal our response if you believe your rights were not fully respected.

SUBMITTING PRIVACY REQUESTS

Requests can be submitted via support@internopay.com

We verify identity through account information or government-issued ID to ensure requests are legitimate.

AUTHORIZED AGENTS

You may designate an authorized agent to act on your behalf. Internopay requires proof of authorization and identity verification before fulfilling such requests.

CHANGES TO THIS PRIVACY POLICY

Internopay may update this Privacy Policy to reflect changes in our business, practices, or regulatory requirements. Updated policies take effect when posted online. Please check the "Last Updated" date to track changes.

CONTACT INFORMATION

For questions, comments, complaints, or alternative formats of this Privacy Policy due to disability, please contact us at:

Email: support@internopay.com

We will make every effort to respond promptly and provide guidance regarding your privacy concerns.