Privacy Policy

Privacy Policy.

CoreaxPay ("we," "our," or "us") is committed to protecting the privacy and confidentiality of the personal and business information entrusted to us. This Privacy Policy explains how we collect, use, disclose, store, and protect information when you use our website, payment gateway, merchant portal, APIs, mobile applications, and related services.

By accessing or using our services, you acknowledge that you have read and understood this Privacy Policy.

1- Information We Collect.

We may collect the following categories of information:
• Business and merchant information (company name, registration details, tax information, business address, and authorized representatives).
• Personal information (name, CNIC/NICOP, passport where applicable, email address, mobile number, and mailing address).
• Know Your Customer (KYC) and verification documents required for merchant onboarding.
• Payment and transaction information necessary to process payments.
• Bank account details required for settlements.
• Technical information such as IP address, browser type, device information, cookies, and website usage data.
• Communications exchanged with our customer support team.

2- How We Use Your Information.

We use your information to:
• Process merchant applications and perform KYC verification.
• Provide payment gateway and payment processing services.
• Process transactions and settlements.
• Prevent fraud, financial crime, and unauthorized activities.
• Comply with applicable legal, regulatory, and compliance obligations.
• Improve our products, services, and customer experience.
• Respond to customer inquiries and provide technical support.
• Send important service notifications and account updates.

3- Information Sharing.

We may share your information only when necessary with:
• Partner banks and financial institutions.
• Licensed payment service providers and payment networks.
• Regulatory authorities, law enforcement agencies, or courts where required by applicable law.
• Technology vendors and service providers that support our operations under appropriate confidentiality obligations.

We do not sell or rent your personal information to third parties.

4- Data Security.

We implement reasonable administrative, technical, and organizational safeguards to help protect personal and business information against unauthorized access, alteration, disclosure, or destruction. While we strive to maintain appropriate security measures, no method of electronic transmission or storage can be guaranteed to be completely secure.

5- Cookies.

Our website may use cookies and similar technologies to improve website functionality, enhance user experience, remember preferences, and analyze website performance. Users may manage cookie preferences through their browser settings.

6- Data Retention.

We retain personal and transaction information only for as long as necessary to provide our services, meet contractual obligations, resolve disputes, and comply with applicable legal and regulatory record-keeping requirements.

7- Your Rights.

Subject to applicable laws, you may request access to your personal information, correction of inaccurate information, or updates to your account information by contacting us.

8- Third-Party Services.

Our website or platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third-party websites.

9- Compliance.

CoreaxPay is committed to complying with applicable laws, regulations, and regulatory requirements governing payment services, anti-money laundering (AML), counter-terrorism financing (CTF), Know Your Customer (KYC), and data protection in Pakistan, as applicable to our services and operations.

10- Changes to this Privacy Policy.

We may update this Privacy Policy from time to time. The revised version will be posted on our website with the updated effective date.

11- Contact Us.

If you have any questions regarding this Privacy Policy or our privacy practices, please contact us through the contact information available on CoreaxPay.com.