Last Updated: 2023/08/19

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.

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.

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.

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:

- 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.