Last Updated: October 7, 2026

1. Introduction

Welcome to AICOPAY, a service provided by AICOPAY LLC and Shijiazhuang MOE Information Technology Co., Ltd ("we," "us," or "our"). This Privacy Policy is designed to help you understand how we collect, use, disclose, and safeguard your personal information in compliance with the European Union General Data Protection Regulation (GDPR) and other applicable data protection laws. Section 10 applies to our Account Balance & Subscription SMS Alerts program operated by AICOPAY LLC.

2. Information We Collect

We collect and process various categories of personal information to provide and enhance our services:

- User Information: This includes your name, email address, contact details, bank card details (including card number, expiry date, and CVV), mobile phone number, and other information provided during account registration.

- Transaction Data: We collect data related to transactions you make through our payment gateway, including payment instrument details, purchase information, and transaction history.

- Device and Usage Information: Information about your device and how you interact with our services, including IP address, browser type, operating system, and usage patterns.

- Billing Information: We may collect billing information, including billing address and related details, for payment processing purposes.

- Account Balance & Subscription SMS Alerts: If you opt in, we collect the mobile phone number you provide, your messaging consent / opt-in status (including the consent text, date and time) and opt-out requests, message delivery metadata needed to send and support alerts (for example timestamps and delivery status), and the account balance and subscription details needed to generate each alert. Messages are transactional account notifications only (low balance alerts, balance changes and top-up confirmations, subscription renewal reminders, upcoming expiry notices and payment failed notices), not marketing messages.

3. Use of Your Information

We process your personal information for various purposes, including:

- Service Delivery: To provide our payment gateway and related services to you.

- Transaction Processing: To process payments, manage transactions, and prevent fraud.

- Communication: To communicate with you about your account, transactions, and service updates.

- Security and Compliance: To ensure the security of our services and comply with legal and regulatory obligations.

- Service Enhancement: To analyze usage patterns and enhance the quality of our services.

- Account notification SMS: Only to send account notification SMS you opted into, honor HELP and STOP (and equivalent) requests, operate, secure, and troubleshoot the messaging program, and comply with carrier and legal requirements for A2P messaging. SMS opt-in is not used to send marketing messages.

4. Data Storage and Transfers

We store your personal information in China for user data and Portugal for transaction data. By using our services, you consent to the transfer of your information to these locations. We implement appropriate safeguards to ensure the security and confidentiality of your data during transfers.

5. Sharing Your Information

We may share your personal information in the following circumstances:

Mobile information and consent — non-sharing statement: We do not share, sell, rent, or disclose your mobile phone number, SMS opt-in data, or messaging consent information to third parties or affiliates for their marketing or promotional purposes. We may share limited data with service providers that help us deliver SMS (for example Twilio as our messaging provider), solely to send messages and maintain the service, under agreements that restrict use of the data. This statement controls over the other sharing circumstances in this section with respect to mobile phone numbers, SMS opt-in data, and messaging consent information.

- Payment Processing: We share transaction data with payment processors and financial institutions to facilitate payment transactions.

- Service Providers: We engage third-party service providers to assist in delivering our services, and they may access your information for this purpose.

- Legal Obligations: We may disclose your information to regulatory authorities or law enforcement agencies to comply with legal obligations.

- Your Consent: With your explicit consent, we may share your information for specific purposes.

6. Your Rights

Under the GDPR, you have certain rights regarding your personal information, including the right to access, rectify, erase, and restrict processing. You can also object to processing based on legitimate interests and withdraw consent for processing based on consent.

7. Data Security

We implement technical and organizational measures to protect your personal information from unauthorized access, loss, or misuse. However, no data transmission over the internet can be guaranteed to be 100% secure.

8. Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will provide you with notice of significant changes and obtain your consent if required by applicable law.

9. Contact Us

If you have questions or concerns about this Privacy Policy or your personal information, please contact us at service@aic.xin.

By using AICOPAY services, you agree to the terms outlined in this Privacy Policy. If you do not agree, please refrain from using our services.

10. Account Balance & Subscription SMS Alerts

Brand: AICOPAY LLC
Program: Account Balance & Subscription SMS Alerts
Opt-in page: https://www.aicopay.com/en/sms-alerts
Website: https://www.aicopay.com
Last updated: October 7, 2026

This section explains how AICOPAY LLC (“we”, “us”, or “our”) collects, uses, and protects information in connection with our Account Balance & Subscription SMS Alerts program for registered AICOPAY customers. If this section conflicts with the rest of this Privacy Policy, this section controls for mobile phone numbers, SMS opt-in data, and messaging consent information. Messages are transactional account notifications only: low balance alerts, balance changes and top-up confirmations, subscription renewal reminders, upcoming expiry notices and payment failed notices. Message frequency varies. Message and data rates may apply. This is not a marketing, promotional, or affiliate-lead program.

10.1 Information we collect

- Mobile phone number you provide for SMS alerts

- Messaging consent / opt-in status and opt-out requests

- Message delivery metadata needed to send and support alerts (for example timestamps and delivery status)

- Account balance and subscription details needed to generate each alert (for example balance amount, top-up amount, plan name, renewal or expiry date)

10.2 How we use information

We use this information only to:

- Send account notification SMS you opted into

- Honor HELP and STOP (and equivalent) requests

- Operate, secure, and troubleshoot the messaging program

- Comply with carrier and legal requirements for A2P messaging

10.3 Mobile information and consent — non-sharing statement

We do not share, sell, rent, or disclose your mobile phone number, SMS opt-in data, or messaging consent information to third parties or affiliates for their marketing or promotional purposes.

We may share limited data with service providers that help us deliver SMS (for example Twilio as our messaging provider), solely to send messages and maintain the service, under agreements that restrict use of the data.

10.4 Opt-in

You opt in by entering your mobile number on our SMS Alerts page at https://www.aicopay.com/en/sms-alerts and checking the SMS consent checkbox. The checkbox is unchecked by default and is separate from any other agreement. Its text states the brand (AICOPAY LLC), the message types, that message frequency varies, that Msg & data rates may apply, how to opt out (reply STOP) and get help (reply HELP), and links to this Privacy Policy and our Terms and Conditions. After you opt in, we send a confirmation SMS. We record your number, the consent text, and the date and time of consent. Consent is not a condition of purchasing any goods or services.

10.5 Opt-out and help

Reply STOP to cancel SMS alerts. Reply HELP for help. After opt-out we will not send further program messages unless you opt in again.

10.6 Message frequency and rates

Message frequency varies with your account activity (for example when your balance is low, a top-up is received, or a subscription is due to renew, expires or fails to renew). Message and data rates may apply.

10.7 Data retention

We keep mobile numbers and consent records while you remain opted in and for a reasonable period afterward for compliance, dispute, and audit purposes, then delete or de-identify them when no longer needed.

10.8 Security

We use reasonable administrative and technical measures to protect the information we process for this program. No method of transmission or storage is completely secure.

10.9 Contact

Questions about this policy or the SMS program:
Email: service@aic.xin
SMS help: reply HELP to our alert number
SMS Alerts sign-up: https://www.aicopay.com/en/sms-alerts