Privacy Policy

Paydios is a payment technology platform operated by ZeroFlux Technologies, Inc. and its applicable affiliates and subsidiaries (“Paydios,” “we,” “us,” or “our”).

This Privacy Policy explains how we collect, use, disclose, store, and protect information when you use the Paydios website, platform, APIs, payment services, merchant services, dashboards, applications, and related services (collectively, the “Services”).

By using the Services, you acknowledge that you have read and understood this Privacy Policy.

Depending on how you interact with Paydios, we may collect the following categories of information.

1.1 Account and Business Information

When you create an account or apply to use Paydios, we may collect:

• Full legal name
• Business or company name
• Business registration information
• Business address
• Country of incorporation
• Tax identification information
• Website and business information
• Industry and business model
• Beneficial ownership information
• Director and officer information
• Contact information
• Account credentials
• Other information required for account verification

1.2 Identity and Verification Information

To comply with legal, regulatory, financial, and risk-management requirements, we or our service providers may collect:

• Government-issued identification documents
• Date of birth
• Residential address
• Business registration documents
• Proof of address
• Tax information
• Beneficial ownership information
• Corporate ownership information
• Information required for KYC, KYB, AML, sanctions screening, fraud prevention, or other compliance checks

We may use third-party verification and screening providers to assist with these processes.

1.3 Payment and Transaction Information

When payments are processed through Paydios or through payment partners connected to Paydios, we may process information relating to transactions, including:

• Transaction amount
• Currency
• Transaction date and time
• Merchant information
• Payment method
• Payment status
• Transaction identifiers
• Refund information
• Chargeback and dispute information
• Payment-related risk indicators

Depending on the payment method and service involved, payment information may be processed directly by banks, card networks, payment processors, acquiring institutions, wallets, or other financial service providers.

1.4 Technical and Usage Information

We may automatically collect information such as:

• IP address
• Device information
• Browser type
• Operating system
• Approximate location derived from technical information
• Login information
• Usage activity
• Pages viewed
• Referring URLs
• API activity
• Error logs
• Security and fraud signals

1.5 Communications

If you contact us, we may retain:

• Your name
• Contact details
• Message content
• Attachments
• Support history
• Sales communications
• Compliance communications

We may use information to:

• Create and maintain accounts
• Provide payment and financial technology services
• Process and facilitate transactions
• Facilitate refunds and disputes
• Verify merchants and users
• Perform KYC and KYB checks
• Conduct sanctions and AML screening
• Detect and prevent fraud
• Monitor transactions
• Manage chargeback and dispute risk
• Protect Paydios, merchants, customers, and payment partners
• Provide customer support
• Communicate with users
• Improve our Services
• Develop new products and features
• Maintain and secure our systems
• Analyze platform performance
• Comply with legal and regulatory obligations
• Respond to lawful requests from authorities
• Enforce our agreements and policies
• Protect our legal rights
• Prevent misuse of our Services

Paydios may work with banks, payment processors, acquiring institutions, card networks, alternative payment providers, financial institutions, fraud-prevention providers, identity-verification providers, compliance providers, technology providers, and other service providers.

Information may be shared with these parties when reasonably necessary to:

• Process transactions
• Complete verification
• Conduct KYC/KYB
• Perform sanctions screening
• Detect fraud
• Manage chargebacks
• Facilitate settlements
• Provide payment methods
• Meet regulatory requirements
• Protect the integrity of the payment system

These third parties may process information under their own privacy policies and legal obligations.

Paydios may use cookies, pixels, local storage, analytics technologies, and similar tools to:

• Maintain sessions
• Remember preferences
• Improve website functionality
• Understand website usage
• Monitor performance
• Detect security threats
• Prevent fraud
• Improve our Services

You may be able to control certain cookies through your browser settings or available cookie controls.

We may disclose information to:

• Payment processors and acquiring partners
• Banks and financial institutions
• Card networks
• Alternative payment providers
• Identity verification providers
• Fraud and risk-management providers
• Compliance and screening providers
• Technology and infrastructure providers
• Professional advisers
• Legal advisers
• Auditors
• Government authorities and regulators where legally required
• Corporate affiliates
• Potential buyers, investors, or successors in connection with a merger, acquisition, financing, restructuring, or sale of assets

We do not sell personal information for money in the ordinary course of providing the Services.

Paydios operates and works with service providers and payment partners in multiple countries.

Your information may therefore be processed or stored in countries other than the country where you live.

Where required by applicable law, we will use appropriate safeguards for international transfers of personal information.

We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy.

Because Paydios provides payment-related services, we may be required to retain certain information for longer periods to comply with:

• Financial regulations
• KYC and AML requirements
• Tax requirements
• Accounting requirements
• Fraud-prevention obligations
• Chargeback and dispute requirements
• Legal claims
• Regulatory requirements

When information is no longer required, we may securely delete, anonymize, or otherwise dispose of it.

We maintain administrative, technical, and organizational safeguards designed to protect information against unauthorized access, disclosure, alteration, loss, or destruction.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

Users are responsible for maintaining the confidentiality of their account credentials and promptly notifying Paydios of suspected unauthorized access.

Depending on your location and applicable law, you may have rights concerning your personal information, including rights to:

• Request access to personal information
• Request correction of inaccurate information
• Request deletion of certain information
• Request restriction of certain processing
• Object to certain processing
• Request portability of certain information
• Withdraw consent where processing is based on consent

These rights may be subject to legal limitations and exceptions, particularly where Paydios is required to retain information for legal, regulatory, fraudprevention, or financial-recordkeeping purposes.

To make a privacy-related request, contact:

legal@paydios.io

We may need to verify your identity before processing certain requests.

The Services are not intended for individuals who are not legally capable of entering into applicable agreements.

Paydios does not knowingly collect personal information from children in violation of applicable law.

Our Services may contain links to third-party websites or services.

Paydios is not responsible for the privacy practices, security, or content of thirdparty websites.

You should review the privacy policies of those third parties before providing information to them.

We may update this Privacy Policy from time to time.

When we make material changes, we may provide notice through our website, platform, email, or other appropriate means.

The updated Privacy Policy will become effective when posted unless otherwise stated.

For privacy questions, requests, or concerns, contact:

ZeroFlux Technologies, Inc. / Paydios 169 Washington AveDover, NJ 07801 United States

Pakistan Office: ZeroFlux Technologies (Private) LimitedOffice No. 8, 4th Floor, Trade Center, Business Park B Block, Gulberg GreensIslamabad Capital Territory Pakistan

Privacy & Legal: legal@paydios.io General Support: help@paydios.io Sales: sales@paydios.io