Privacy Policy

1. Who We Are & Scope

ZapNPay is a service provided by Digify Platforms, Inc., a Delaware corporation ("Company," "we," "us," or "our"), located at 2248 Broadway #1516, New York, NY 10024.

This Privacy Policy applies to any personal information you provide when using our services, website, or mobile applications. It describes how we collect, use, share, and protect your information.

2. Information We Collect

Account Information: Name, email address, phone number, billing address, and company details.

Payment Information: Transaction data, payment history, and payment methods processed through Stripe, PayPal, or bank transfers. We do not store complete credit card numbers.

Usage Data: Server logs, IP addresses, device information, browser type, pages visited, and feature usage patterns.

Customer Data: Information you input about your customers, invoices, and business operations.

Third-party Data: Information received from analytics services, payment processors, or integrations (with your consent).

3. How We Collect Information

Directly: When you sign up, update your profile, create invoices, or contact support.

Automatically: Through cookies, analytics tools, and server logs when you use our Service.

From Third Parties: Payment processors (Stripe, PayPal), identity verification services, and business partners.

4. How We Use Your Information

We use your information to:

• Provide, maintain, and improve the Service
• Process payments and send transaction confirmations
• Send important service communications
• Detect and prevent fraud, abuse, and security incidents
• Comply with legal obligations (GDPR, CCPA, PCI DSS)
• Analyze usage patterns to improve user experience
• Send marketing communications (with your consent)

5. Information Sharing

We may share your information with:

• Service Providers: Payment processors (Stripe, PayPal), cloud hosting, email delivery, and analytics services.
• Legal Requirements: When required by law, court order, or government request.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with prior notice to you.
• With Your Consent: When you explicitly authorize sharing with third parties.

6. Data Security

We implement industry-standard security measures to protect your data:

7. Data Retention & Deletion

We retain your data only as long as necessary to provide the Service, comply with legal obligations, and resolve disputes.

Upon account termination or deletion request, we will securely delete your data within 30 days, except where retention is required by law.

Anonymized, aggregated data may be retained for analytics purposes.

8. Your Rights

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

• Access: Request a copy of your personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your data ("right to be forgotten")
• Portability: Request your data in a machine-readable format
• Restriction: Request limiting how we process your data
• Objection: Object to certain processing activities
• Opt-out: Unsubscribe from marketing communications at any time

To exercise these rights, contact us at privacy@zapnpay.com.

9. Cookies & Tracking Technologies

We use cookies and similar technologies to:

• Keep you signed in
• Remember your preferences
• Analyze how our Service is used
• Deliver relevant content and advertisements

You can manage cookie preferences through your browser settings or our cookie consent tool.

10. Children's Privacy

The Service is not intended for users under 16 years of age. We do not knowingly collect personal information from children.

If we learn we have collected data from a child, we will promptly delete it. If you believe we have collected data from a child, please contact us.

11. International Data Transfers

Your data may be transferred to and processed in the United States. We ensure appropriate safeguards are in place for international transfers, including Standard Contractual Clauses where required.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or in-app notification at least 30 days before they become effective.

We encourage you to review this Policy periodically.

13. Contact & Complaints

For privacy questions, data requests, or complaints, contact us:

If you are in the EU, you have the right to lodge a complaint with your local data protection authority.