Privacy Policy

We collect the following types of information: • Account Information: Name, email address, phone number, and other identity verification data • Transaction Information: Payment records, blockchain transaction hashes, top-up history • Technical Information: IP addresses, device information, browser type, access logs • Communication Information: Customer service conversations, feedback • KYC Information: Identity documents, proof of address, and other compliance-required data All information collection is based on lawful grounds such as contract performance, legal obligations, or legitimate interests.

We use your information for the following purposes: • Providing and maintaining services • Processing transactions and payments • Verifying identity and preventing fraud • Complying with legal and regulatory requirements • Improving service quality and user experience • Sending important notices and updates • Providing customer support We do not use your information for marketing purposes unless you explicitly consent.

We only share your information in the following circumstances: • Legal Requirements: Complying with court orders, subpoenas, or regulatory demands • Compliance Needs: Submitting AML and KYC reports to regulatory authorities • Service Providers: Sharing necessary information with trusted third-party vendors • Business Transfers: Transfer during mergers, acquisitions, or asset sales • Emergency Situations: Urgent needs to protect user or public safety We never sell your personal information to third parties.

We employ multiple security measures to protect your information: • Encryption: Industry-standard encryption for data transmission and storage • Access Control: Strict limitations on employee access to personal data • Security Monitoring: 24/7 monitoring for system anomalies and security threats • Regular Audits: Periodic security assessments and penetration testing • Data Backup: Secure backups to prevent data loss • Physical Security: Multi-layered physical security at data centers Despite our best efforts, we cannot guarantee 100% security.

We retain your information according to the following principles: • Account Information: 5 years after account closure • Transaction Records: 7 years to meet regulatory requirements • Communication Records: 3 years • Technical Logs: 1 year • KYC Documents: As required by applicable law Data exceeding retention periods will be securely deleted or anonymized.

Under applicable data protection laws, you have the following rights: • Access Right: Request copies of personal information we hold about you • Correction Right: Request correction of inaccurate or incomplete information • Deletion Right: Request deletion of your information in certain circumstances • Restriction Right: Request limitations on processing of your information • Objection Right: Object to data processing based on legitimate interests • Portability Right: Obtain your data in a structured format To exercise these rights, please contact our privacy team.

We use the following types of cookies: • Essential Cookies: Ensure proper website functionality • Analytics Cookies: Understand website usage and improve performance • Functional Cookies: Remember your preference settings • Security Cookies: Detect fraud and abuse You can manage cookie preferences through your browser settings, but some functionality may be affected.

Your information may be transferred to the following jurisdictions: • Singapore: Our primary operational location • European Union: EU partners and service providers • United States: Certain technology service providers All international transfers use appropriate safeguards such as standard contractual clauses or certification mechanisms.

Our services are not directed to individuals under 18 years old. We do not knowingly collect personal information from minors. If we discover we have collected information from a minor, we will immediately delete it. Parents who find their children have provided information to us should contact us immediately.

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We recommend carefully reading the privacy policies of any third-party websites before visiting them.

We may periodically update this Privacy Policy. Significant changes will be communicated through: • Prominent notices on our website • Email notifications • In-app notifications Continued use of services indicates acceptance of the updated policy.

For any questions or complaints about this Privacy Policy, please contact us: Privacy Officer Email: privacy@stablepayx.xyz Telegram: @awscloud51 Address: Singapore We will respond to your inquiries within 30 days.