LynkPay Privacy Policy

This Privacy Policy explains how LynkPay Technologies Inc. (“LynkPay,” “we,” “us,” or “our”) collects, uses, discloses, stores, transfers, and protects personal information when you access or use our websites, applications, APIs, checkout systems, creator pages, payment tools, integrations, and related services (collectively, the “Services”).

This Privacy Policy applies to:

• visitors to lynkpay.co and related websites;
• Creators using the Services;
• Customers purchasing from Creators through the Services; and
• business partners, vendors, and applicants interacting with LynkPay.

By accessing or using the Services, you acknowledge the practices described in this Privacy Policy.

1. About LynkPay

LynkPay provides software and technology services that enable creators, freelancers, businesses, and organizations to create online pages, accept payments, manage commerce activities, and integrate with third-party payment providers.

LynkPay is a technology platform and does not provide banking, investment, or financial advisory services.

Payment transactions are processed by independent third-party Payment Partners.

2. Information We Collect

2.1 Information You Provide Directly

We may collect information you provide to us, including:

• full name;
• email address;
• phone number;
• username and password;
• billing information;
• business information;
• Creator profile details;
• uploaded files and Content;
• customer support communications;
• survey responses;
• social media information linked to accounts; and
• other information voluntarily submitted through the Services.

2.2 Transaction and Commerce Information

We may collect transaction-related information, including:

• purchase details;
• transaction amounts;
• transaction timestamps;
• subscription details;
• invoices and receipts;
• order status;
• refund information;
• booking or scheduling information;
• fulfillment status;
• dispute and chargeback records; and
• communications related to transactions.

2.3 Identity Verification and Compliance Information

LynkPay and its Payment Partners may collect and process compliance-related information, including:

• government-issued identification;
• tax identification numbers;
• business registration documents;
• proof of address;
• ownership information;
• banking information;
• sanctions screening information;
• fraud prevention indicators;
• transaction monitoring data; and
• know-your-customer (KYC) and anti-money laundering (AML) verification information.

This information may be required to comply with applicable laws, financial regulations, fraud prevention obligations, and Payment Partner requirements.

2.4 Payment Information

Payment transactions are processed by Payment Partners.

LynkPay generally does not store complete payment card numbers or full banking credentials.

Payment Partners may independently collect and process:

• payment card information,
• bank account information,
• payment authentication data,
• fraud screening information, and
• payment network data.

Your use of payment services may also be subject to the privacy policies of applicable Payment Partners.

2.5 Automatically Collected Information

We may automatically collect information about your device and use of the Services, including:

• IP address;
• browser type and version;
• operating system;
• device identifiers;
• language preferences;
• pages viewed;
• clicks and interactions;
• referral URLs;
• timestamps;
• crash reports;
• session information; and
• approximate geolocation derived from IP address.

2.6 Cookies and Tracking Technologies

We use cookies, pixels, local storage, analytics tools, and similar technologies for:

• authentication;
• account security;
• fraud prevention;
• remembering preferences;
• analytics and performance monitoring;
• measuring engagement;
• improving user experience; and
• marketing and advertising activities where permitted.

Creators may independently enable third-party analytics or tracking technologies on their pages.

Creators are responsible for obtaining any legally required notices or consents related to their own tracking implementations.

3. How We Use Personal Information

We may use personal information to:

• provide, operate, and maintain the Services;
• process transactions and payouts;
• facilitate Creator and Customer interactions;
• verify identities and accounts;
• prevent fraud, abuse, unauthorized access, suspicious activity, and security threats;
• conduct sanctions screening and compliance monitoring;
• provide customer support;
• personalize user experiences;
• improve products and develop new features;
• analyze performance and usage trends;
• communicate service updates, security alerts, and notices;
• send marketing communications where permitted;
• comply with legal obligations;
• enforce our agreements and policies; and
• protect the rights, property, and safety of LynkPay, users, Payment Partners, and third parties.

We may analyze transactions, device information, account activity, behavioral patterns, and technical signals to identify fraud, suspicious activity, abuse, or policy violations.

4. Legal Bases for Processing

Where applicable under law, we process personal information based on:

• performance of contractual obligations;
• compliance with legal obligations;
• legitimate business interests;
• fraud prevention and security purposes;
• protection of users and platform integrity; and
• consent where legally required.

5. How We Share Personal Information

We may disclose personal information to:

5.1 Payment Partners

We may share information with Payment Partners for:

• payment processing,
• payouts,
• fraud prevention,
• identity verification,
• dispute management,
• sanctions screening, and
• regulatory compliance.

5.2 Service Providers and Subprocessors

We may use trusted vendors, infrastructure providers, and subprocessors to support the Services, including providers of:

• cloud hosting,
• analytics,
• customer support,
• communications,
• security,
• fraud detection,
• monitoring,
• authentication, and
• technical infrastructure.

These providers may access information only as reasonably necessary to perform services on our behalf.

5.3 Creators and Customers

We may share relevant transaction or account information between Creators and Customers where necessary to:

• complete transactions,
• provide support,
• fulfill purchases,
• manage bookings, or
• resolve disputes.

5.4 Legal and Compliance Disclosures

We may disclose information where necessary to:

• comply with laws or regulations;
• respond to lawful requests;
• enforce agreements;
• investigate fraud or security issues;
• protect rights or safety; or
• cooperate with regulators, law enforcement, courts, or Payment Partners.

5.5 Business Transfers

Personal information may be transferred as part of a merger, financing, acquisition, restructuring, asset sale, or similar corporate transaction.

6. Advertising and Analytics

We may use analytics and advertising tools that collect information regarding interactions with the Services.

Depending on your jurisdiction, certain advertising or analytics activities may constitute “sharing” under applicable privacy laws.

You may opt out of certain advertising technologies through browser settings, cookie tools, or applicable privacy rights mechanisms.

7. International Data Transfers

Your information may be processed, stored, or transferred in the United States, Canada, and other jurisdictions where LynkPay, Payment Partners, service providers, or infrastructure providers operate.

We take reasonable measures designed to protect personal information during international transfers consistent with applicable law.

8. Data Retention

We retain personal information for as long as reasonably necessary to:

• provide the Services;
• comply with legal and regulatory obligations;
• maintain financial and accounting records;
• prevent fraud and abuse;
• resolve disputes;
• enforce agreements;
• comply with Payment Partner obligations; and
• protect platform security and integrity.

Retention periods may vary depending on the nature of the information and legal requirements.

9. Security

We implement administrative, technical, organizational, and security measures designed to protect personal information against unauthorized access, misuse, disclosure, alteration, destruction, or loss.

Security measures may include:

• encryption;
• access controls;
• monitoring systems;
• authentication mechanisms;
• fraud detection tools; and
• security review processes.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10. Your Privacy Rights

Depending on your location and applicable law, you may have rights to:

• access personal information;
• correct inaccurate information;
• request deletion of information;
• object to certain processing activities;
• opt out of certain advertising or sharing practices;
• request data portability; and
• withdraw consent where processing is based on consent.

Requests may require identity verification before fulfillment.

You may submit requests by contacting:

Email: privacy@lynkpay.co

We may deny requests where permitted or required by law, including where retention is necessary for:

• legal obligations,
• fraud prevention,
• dispute resolution,
• financial recordkeeping,
• security purposes, or
• compliance obligations.

11. Canada Privacy Rights (PIPEDA)

Canadian users may request access to and correction of their personal information in accordance with applicable Canadian privacy laws.

12. United States Privacy Rights

Depending on your state of residence, you may have rights under applicable U.S. privacy laws, including rights related to:

• access,
• correction,
• deletion,
• targeted advertising opt-outs,
• sensitive information restrictions, and
• certain data sharing practices.

LynkPay does not sell personal information in the traditional sense.

13. Account Closure and Deletion

You may request closure or deletion of your account by contacting us.

Certain information may be retained following account closure where necessary for:

• legal compliance,
• financial recordkeeping,
• dispute management,
• fraud prevention,
• security purposes, or
• Payment Partner obligations.

14. Children's Privacy

The Services are not directed to children under the age of 13.

We do not knowingly collect personal information from children under 13.

If we become aware that personal information has been collected from a child under 13, we will take reasonable steps to delete such information.

15. Breach Notifications

Where required by applicable law, we may notify affected individuals, regulators, or authorities regarding unauthorized access to personal information.

16. Third-Party Websites and Services

The Services may contain links to third-party websites, products, or services.

LynkPay is not responsible for the privacy practices, security, or content of third-party services.

Your use of third-party services is subject to their own terms and privacy policies.

17. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

Updated versions become effective upon posting unless otherwise required by law.

The “Last Updated” date reflects the effective date of the current version.

18. Contact Information

Legal Entity: LynkPay Technologies Inc.

Website: https://lynkpay.co

Privacy Contact: privacy@lynkpay.co

Support Email: support@lynkpay.co

Compliance Contact: compliance@lynkpay.co