Privacy Policy

This Privacy Policy explains how Pacept ("we", "us") collects, uses, shares, and protects information when you use our websites, dashboard, checkout, and APIs (the "Services"). We are committed to handling your data responsibly and transparently.

1. Information we collect

Information you provide

• Account & business data — name, email, phone, business details, and verification (KYC) documents.
• Payment configuration — payout bank details, webhook URLs, and API settings.

Information from transactions

• Payment data — amounts, references, payer details, and status of collections and payouts.
• Card data — card details submitted at checkout are encrypted in the browser and processed by our payment partners. We do not store raw card numbers.

Information collected automatically

• Usage & device data — IP address, browser type, pages viewed, and interactions, collected via cookies and similar technologies (see our Cookie Policy).

2. How we use information

• To provide, operate, and secure the Services and process payments and payouts;
• To verify your identity and comply with anti-money-laundering and KYC obligations;
• To detect, prevent, and investigate fraud and abuse;
• To communicate with you about your account, transactions, and support;
• To improve our products and, where permitted, to send relevant updates.

3. Legal bases

Where applicable, we process personal data on the bases of performance of a contract, compliance with legal obligations, our legitimate interests in operating a secure payments platform, and your consent (which you may withdraw at any time).

4. Sharing your information

We share information only as needed to run the Services:

• Payment & banking partners to process transactions and settlements;
• Service providers for hosting, analytics, and communications, under confidentiality obligations;
• Regulators and authorities where required by law or to protect our rights and users.

We do not sell your personal data.

5. Data retention

We retain information for as long as your account is active and as required to comply with legal, tax, accounting, and regulatory obligations, after which it is deleted or anonymised.

6. Security

We use encryption in transit and at rest, signed webhooks, access controls, and monitoring to protect your data. No method of transmission is completely secure, but we work continuously to safeguard your information. To report a security concern or suspected vulnerability, email [email protected].

7. Your rights

Subject to your jurisdiction, you may have rights to access, correct, delete, or port your data, and to object to or restrict certain processing. To exercise these rights, contact us at [email protected].

8. International transfers

Your information may be processed in countries other than your own. Where we transfer data internationally, we use appropriate safeguards.

9. Changes

We may update this policy from time to time and will post the updated version here with a revised date.

10. Contact

For privacy questions, contact [email protected].