Privacy Policy

Last Updated: January 2025

At Metudo, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment gateway and digital wallet services.

1. Information We Collect

We collect information that you provide directly to us, including:

• Account Information: Name, email address, phone number, business name, and other contact details
• Financial Information: Bank account details, payment card information, transaction history, and tax identification numbers
• Identity Verification: Government-issued identification documents, proof of address, and other verification materials
• Technical Information: IP address, device information, browser type, and usage data
• Communications: Records of your interactions with our support team, emails, and other communications

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our payment services
• Process transactions and manage your account
• Verify your identity and comply with legal obligations
• Detect and prevent fraud, abuse, and security threats
• Communicate with you about your account and our services
• Send you marketing communications (with your consent)
• Analyze usage patterns and improve our platform
• Comply with applicable laws and regulations

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

• Service Providers: With trusted third-party service providers who assist us in operating our platform
• Financial Partners: With banks, payment processors, and other financial institutions to process transactions
• Legal Requirements: When required by law, court order, or government regulations
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you have explicitly authorized us to share your information

We do not sell your personal information to third parties for their marketing purposes.

4. Data Security

We implement industry-standard security measures to protect your information, including:

• End-to-end encryption for data transmission
• Secure storage with encryption at rest
• PCI DSS Level 1 compliance
• Regular security audits and assessments
• Access controls and authentication measures
• 24/7 monitoring and threat detection

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

5. Your Rights and Choices

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

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request transfer of your data to another service provider
• Opt-Out: Unsubscribe from marketing communications
• Restriction: Request restriction of processing your information

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

6. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Financial and transaction records are typically retained for a minimum of 7 years as required by financial regulations.

7. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable data protection laws.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your interactions with our platform. You can control cookie preferences through your browser settings, though some features may not function properly if cookies are disabled.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Email: privacy@payoct.com
Address: Metudo Privacy Team
We aim to respond to all privacy inquiries within 30 days.