Privacy Policy for UniversalPay

1. Introduction

This Privacy Policy describes Our policies and procedures on the collection, use, and disclosure of Your information when You use the Service, and informs You about Your privacy rights and how the law protects You.

We use Your Personal Data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

2. Interpretation and Definitions

2.1 Interpretation

Words with capitalized initial letters have defined meanings. These definitions apply regardless of whether they appear in singular or plural form.

2.2 Definitions

• Company: Refers to UniversalPay ("We", "Us", or "Our").
• Service: Refers to the UniversalPay website, APIs, and related services.
• You: The individual or legal entity using our Service.
• Personal Data: Any information that relates to an identified or identifiable individual.
• Usage Data: Data collected automatically, either generated by use of the Service or from the Service infrastructure itself.

3. Collecting and Using Your Personal Data

3.1 Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. This may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Business name and address
• Transaction details

3.2 Usage Data

Usage Data is collected automatically when using the Service. It may include:

• Your device's IP address
• Browser type and version
• Pages visited and time spent
• Date and time of visits
• Unique device identifiers
• Other diagnostic data

4. Use of Your Personal Data

The Company may use Personal Data for the following purposes:

• To provide and maintain our Service, including monitoring usage.
• To manage Your Account as a registered user.
• For contract performance regarding purchases or other agreements.
• To contact You with updates, security alerts, or service-related messages.
• To respond to and manage Your requests to Us.
• For business transfers such as mergers or restructuring.

5. Retention of Your Personal Data

We retain Your Personal Data only as long as necessary for the purposes outlined in this Privacy Policy. We may retain and use Your data to comply with legal obligations, resolve disputes, and enforce our agreements.

6. Security of Your Personal Data

The security of Your Personal Data is important to Us. We implement administrative, technical, and physical safeguards designed to protect Your information. However, no method of transmission over the Internet or method of electronic storage is 100% secure, and We cannot guarantee absolute security.