1. Overview

This Privacy Policy explains how ZenoxPay collects, uses, shares, and protects personal information when you use our Services, websites, and APIs.

“Personal information” means information that identifies, relates to, describes, or could reasonably be linked to an individual.

2. Information we collect

We collect information you provide directly, such as:

• Account and business details (name, email, phone number, business identifiers).
• Banking and settlement information needed for payouts and reconciliation.
• Support requests, communications, and feedback.

We also collect information automatically, such as:

• Device, browser, and log data (IP address, device identifiers, access times).
• Usage data about interactions with the Services.
• Cookies and similar technologies described in the Cookie Policy.

3. How we use information

We use personal information to:

• Provide, operate, and improve the Services.
• Process transactions, settlements, refunds, and reconciliations.
• Comply with legal, regulatory, and network requirements.
• Detect, prevent, and investigate fraud or security incidents.
• Communicate about the Services, updates, and support requests.

4. How we share information

We may share information with:

• Financial institutions, payment networks, and processors needed to complete transactions.
• Service providers that help us operate the Services (cloud hosting, analytics, support tools).
• Regulators, courts, or law enforcement when legally required.
• Affiliates and business partners in connection with the Services.

We do not sell personal information for monetary consideration.

5. Data retention

We retain personal information as long as necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods vary based on the type of information and applicable requirements.

6. Security

We implement administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Your choices and rights

Depending on your location, you may have rights to access, correct, delete, or object to certain processing of your personal information. You may also update account information through your ZenoxPay account.

To exercise rights or request information, contact zenoxpay@gmail.com.

8. International transfers

Your information may be transferred to and processed in countries other than your own. We take steps to ensure appropriate safeguards where required by law.

9. Children’s privacy

The Services are not directed to children, and we do not knowingly collect personal information from children.

10. Changes to this policy

We may update this Privacy Policy from time to time. If changes are material, we will provide reasonable notice. Continued use of the Services after the effective date constitutes acceptance.

11. Contact

Questions about privacy can be sent to zenoxpay@gmail.com.