Privacy Policy
Effective Date: February 2, 2026
Pay Safer LLC — State of Montana, United States
Contents
1. Introduction and Scope2. Categories of Information We Collect3. Methods of Data Collection4. Purpose and Use of Information5. Legal Basis for Processing6. Disclosure of Information7. Data Retention Policy8. Data Security Measures9. User Rights and Data Control10. International Data Transfers11. Cookies and Tracking Technologies12. Third-Party Services and Links13. Children's Data14. Automated Decision-Making and Risk Analysis15. Limitation of Liability16. Updates and Amendments17. Contact Information
1. Introduction and Scope
Pay Safer LLC ("Pay Safer," "Company," "we," "us," or "our") is committed to maintaining the highest standards of data privacy, security, and transparency. This Privacy Policy governs the collection, use, processing, storage, disclosure, and protection of personal information obtained through our platform, systems, and related services (collectively, the "Services").
Pay Safer operates as a digital escrow-style payment facilitation platform designed to securely hold funds on behalf of transacting parties and release such funds only upon fulfillment of agreed conditions or administrative resolution. Pay Safer is not a bank, does not provide banking services, and does not directly custody funds; all payment processing and fund handling are performed through regulated third-party financial infrastructure providers.
This Privacy Policy applies to all users, including individuals, businesses, and any authorized representatives accessing or using our Services from any jurisdiction.
By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.
2. Categories of Information We Collect
We collect and process personal and non-personal information strictly as necessary to operate our platform, comply with legal obligations, and maintain the integrity and security of our Services.
2.1 Personal Identification Information
• Full legal name
• Date of birth
• Nationality and country of residence
• Government-issued identification numbers
• Copies of identity documents (such as passport, driver's license, or national ID)
• Selfie or biometric verification data where required for identity verification
2.2 Contact Information
• Email address
• Phone number
• Mailing address
2.3 Financial and Transactional Information
• Payment method details (processed via third-party providers)
• Transaction amounts and currencies
• Transaction counterparties
• Transaction history and activity logs
• Escrow instructions and release conditions
2.4 Account and Authentication Data
• Username and encrypted passwords
• Security credentials and authentication tokens
• Account preferences and settings
2.5 Technical and Device Information
• IP address
• Device identifiers
• Browser type and version
• Operating system
• Geolocation data (approximate)
• Access timestamps and session logs
2.6 Risk, Compliance, and Fraud Prevention Data
• Know Your Customer (KYC) and Anti-Money Laundering (AML) verification data
• Sanctions screening results
• Fraud detection indicators
• Behavioral analytics related to suspicious activity
2.7 Communications Data
• Customer support inquiries
• Email correspondence
• Dispute-related communications
• Internal notes related to account review or investigations
3. Methods of Data Collection
We collect information through the following means:
• Directly from users during account registration and transaction creation
• Automatically through interaction with our platform and systems
• From third-party service providers, including identity verification and payment processors
• From publicly available sources and regulatory databases where required for compliance
4. Purpose and Use of Information
We process personal information for legitimate and lawful purposes, including but not limited to:
• Providing, operating, and maintaining the Services
• Facilitating escrow transactions and enforcing transaction conditions
• Verifying identity and conducting due diligence checks
• Preventing fraud, abuse, and unauthorized access
• Complying with applicable legal, regulatory, and financial reporting obligations
• Conducting internal audits, monitoring, and risk assessments
• Communicating with users regarding transactions, updates, or support
• Enforcing contractual agreements, including Terms of Service
• Improving system functionality, performance, and user experience
We do not sell, rent, or trade personal data to third parties for marketing purposes.
5. Legal Basis for Processing
Where applicable under data protection laws, we rely on the following legal bases:
• Performance of a contract with the user
• Compliance with legal and regulatory obligations
• Legitimate business interests, including fraud prevention and platform security
• User consent, where explicitly obtained
6. Disclosure of Information
We may disclose personal information under the following circumstances:
6.1 Service Providers and Infrastructure Partners
We engage third-party vendors to support operations, including:
• Payment processors and financial infrastructure providers
• Identity verification and compliance providers
• Cloud storage and hosting services
• Security and analytics providers
All such parties are bound by contractual obligations to protect personal data and use it only for authorized purposes.
6.2 Legal and Regulatory Authorities
We may disclose information when required to:
• Comply with applicable laws, regulations, subpoenas, or court orders
• Respond to lawful requests from government or regulatory authorities
• Detect, prevent, or investigate illegal activities, fraud, or security threats
6.3 Corporate Transactions
In the event of a merger, acquisition, restructuring, or sale of assets, personal data may be transferred as part of the transaction, subject to confidentiality obligations.
7. Data Retention Policy
We retain personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including:
• Maintaining active user accounts
• Complying with financial, tax, and regulatory recordkeeping requirements
• Resolving disputes and enforcing agreements
• Preventing fraud and abuse
Retention periods may extend beyond account closure where required by applicable laws.
8. Data Security Measures
Pay Safer implements robust administrative, technical, and physical safeguards designed to protect personal data, including:
• End-to-end encryption of sensitive data in transit and at rest
• Role-based access controls and authentication mechanisms
• Continuous monitoring and anomaly detection systems
• Secure infrastructure managed by reputable cloud providers
• Regular security audits and vulnerability assessments
Despite these measures, no system can guarantee absolute security. Users acknowledge and accept inherent risks associated with digital data transmission.
9. User Rights and Data Control
Depending on applicable laws, users may have the right to:
• Access and obtain a copy of their personal data
• Request correction of inaccurate or incomplete information
• Request deletion of personal data, subject to legal limitations
• Restrict or object to certain processing activities
• Request data portability in a structured format
Requests may be submitted through the contact information provided below. We reserve the right to verify identity before processing such requests.
10. International Data Transfers
As a United States-based entity, Pay Safer may process and store data in the United States and other jurisdictions where our service providers operate.
We implement appropriate safeguards to ensure that cross-border data transfers comply with applicable legal requirements and maintain adequate levels of data protection.
12. Third-Party Services and Links
Our platform may integrate with or link to third-party services. Pay Safer is not responsible for the privacy practices, policies, or content of such third parties.
Users are encouraged to review the privacy policies of any external services they interact with.
13. Children's Data
Our Services are strictly intended for individuals aged 18 years or older. We do not knowingly collect or process personal data from minors.
If we become aware that data from a minor has been collected, we will take appropriate steps to delete such information.
14. Automated Decision-Making and Risk Analysis
We may use automated systems and algorithms to assess risk, detect fraud, and ensure compliance. These systems may analyze transaction behavior, account activity, and other relevant data points.
Such processing is necessary to maintain platform integrity and protect users from fraudulent activity.
15. Limitation of Liability
To the maximum extent permitted by law, Pay Safer shall not be liable for unauthorized access, disclosure, alteration, or destruction of data resulting from circumstances beyond our reasonable control, including cyberattacks, force majeure events, or user negligence.
16. Updates and Amendments
We reserve the right to modify or update this Privacy Policy at any time to reflect changes in legal requirements, operational practices, or technological developments.
Updated versions will be published on our platform with the revised effective date. Continued use of the Services constitutes acceptance of any modifications.
17. Contact Information
For all privacy-related inquiries, data requests, or support matters, please contact:
Pay Safer LLC
State of Montana, United States
Email: help@paysafer.me