Effective Date: October 1, 2025

Payer-Gateway (“Payer-Gateway,” “we,” “our,” or “us”) is committed to protecting your privacy and personal data. This Privacy Policy outlines how we collect, use, store, and disclose information in connection with your use of our website at www.payer-gateway.com (“Website”) and any services we provide.

Notice: Users located in the United States are not permitted to access our Website or services, and we do not knowingly process their data.

1. Who We Are

Payer-Gateway is a financial technology provider offering payment processing and related infrastructure services to business clients. Payer-Gateway is the data controller of personal information you provide or that we collect.

2. Information We Collect

We may collect and process the following categories of personal data:

• Identification and Contact Data: Name, email, phone number, company
• Account and Transactional Data: Payment credentials, transaction records
• Technical Data: IP address, browser type, device ID, operating system
• Usage Data: Website interactions, clickstream data, referral URLs
• Marketing Data: Your preferences and feedback (only with consent)

3. How We Collect Data

• Directly from you (e.g., forms, emails)
• Automatically via cookies and tracking technologies
• From third-party sources (e.g., partners, analytics providers)

4. How We Use Your Personal Data

We use your data to:

• Provide and maintain our services
• Process payments and transactions
• Respond to inquiries and communicate with you
• Detect and prevent fraud and abuse
• Comply with legal and regulatory obligations
• Conduct internal research and improve the Website

5. Legal Basis for Processing

We only process your data when we have a lawful basis to do so, including:

• Contractual necessity
• Compliance with legal obligations
• Legitimate interests (e.g., fraud prevention, service improvement)
• Consent (where applicable, e.g., marketing or tracking cookies)

6. How We Share Your Data

We do not sell your data. We may share it with:

• Service providers acting on our behalf (bound by confidentiality agreements)
• Regulatory or legal authorities (when required by law)
• Business or integration partners (with your consent where required)

7. Data Transfers

Your personal data may be processed outside your country of residence. We ensure that such transfers are made with appropriate safeguards in place, such as standard contractual clauses. U.S. access is blocked.

8. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes we collected it for, including to satisfy legal, accounting, or regulatory requirements.

9. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you
• Correct inaccurate or incomplete data
• Erase your data in certain circumstances
• Restrict or object to processing
• Withdraw consent at any time
• Lodge a complaint with a supervisory authority

To exercise your rights, please contact us using the information below.

10. Security of Your Data

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, disclosure, alteration, or destruction.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Please review it regularly.

12. Contact Us

For any privacy-related questions or concerns, or to exercise your rights, please contact: Email: privacy@payer-gateway.com