Privacy Policy

1. Scope

This Privacy Policy applies to personal information processed through BudyPay websites, merchant-facing services, support channels, onboarding activities and related payment operations. Separate agreements or product-specific notices may apply to particular services.

2. Information we collect

Information you provide

We may collect business and personal contact details, account information, onboarding information, support messages, transaction-related references and other information you choose to provide.

Information generated through use

When you use BudyPay services, we may receive technical information such as IP address, device and browser information, timestamps, log records, authentication events, API activity, transaction status data and security signals.

Information from service providers and partners

Where necessary to provide or support a service, we may receive information from banking, payment, identity-verification, fraud-prevention, hosting, analytics, communications or other service providers.

3. How we use information

• Provide, operate and support BudyPay services.
• Set up, verify and maintain merchant accounts and integrations.
• Process and reconcile payment or payout instructions and transaction status.
• Authenticate users, protect credentials and detect suspicious or unauthorised activity.
• Respond to enquiries, support requests and service incidents.
• Maintain records, improve reliability and understand product usage.
• Meet applicable legal, contractual, risk and compliance obligations.

4. How we share information

We may share information with service providers and business partners where reasonably necessary to deliver BudyPay services, operate infrastructure, process transactions, perform verification, provide communications or protect the platform. We may also disclose information where required by applicable law, legal process or to protect rights, safety and service integrity.

We do not treat payment or merchant information as advertising inventory. Service providers are expected to use information only for the services they provide to us or as otherwise permitted by applicable requirements.

5. Security

We use administrative, technical and organisational controls intended to protect information against unauthorised access, alteration, disclosure or loss. Merchants are also responsible for protecting account credentials, merchant secrets, access tokens and systems used to connect to BudyPay.

6. Data retention

We retain information for as long as reasonably necessary to provide services, maintain transaction and security records, resolve disputes, enforce agreements and meet applicable record-keeping obligations. Retention periods may vary depending on the type of information and the service involved.

7. Your choices and requests

Depending on applicable requirements and the context of the relationship, individuals may be able to request access, correction, deletion or restriction of certain personal information. Some information may need to be retained for security, transaction, contractual or legal reasons.

8. Cookies and similar technologies

Our websites may use essential browser storage and similar technologies to support basic functionality, security and session management. Where analytics or preference technologies are used, additional information is available in our Cookie Policy.

9. Changes to this policy

We may update this Privacy Policy as our services, operational practices or applicable requirements change. The effective date at the top of this page indicates the current version.

10. Contact us

For privacy questions or requests, contact BudyPay using the details below.