// Legal

Privacy Policy

Last updated: September 2026

PAYMENT SOLUTIONS AND SERVICES INTERNATIONAL (PSI)

PRIVACY POLICY

Version 2.0

Effective Date: ___________

1. INTRODUCTION

Payment Solutions And Services International ("PSI", "we", "our", or "us") respects your privacy and is committed to protecting personal information.

This Privacy Policy explains how PSI collects, uses, stores, processes, transfers, and protects information when you:

  • Visit our websites;

  • Create an account;

  • Complete KYC/KYB verification;

  • Purchase digital assets;

  • Use wallet services;

  • Use payment services;

  • Access merchant or business services;

  • Interact with PSI products.

By accessing PSI services, you acknowledge and agree to the practices described in this Privacy Policy.

For each territory or product, PSI may act as controller, joint controller or processor/service provider, and the applicable contracting entity, privacy contact and territory-specific disclosures may be set out in a jurisdiction-specific addendum or service notice. Where required, users should consult the privacy notice applicable to the territory or product being used.

2. SCOPE OF THIS POLICY

This Privacy Policy applies to:

  • Individual customers;

  • Business customers;

  • Merchant users;

  • Enterprise customers;

  • Website visitors;

  • API users;

  • Partners and authorized representatives.

Additional privacy notices may apply to specific products or jurisdictions.

3. INFORMATION WE COLLECT

PSI collects information necessary to provide financial technology services, maintain security, comply with regulations, and improve our Platform.

The information collected may include the following categories.

PSI may also generate or receive derived information, including fraud scores, sanctions or compliance screening results, wallet-risk indicators, device fingerprint data, geolocation indicators, case-management notes and records of customer communications, to the extent permitted by law.

4. PERSONAL IDENTIFICATION INFORMATION

We may collect:

  • Full legal name;

  • Date of birth;

  • Nationality;

  • Residential address;

  • Government identification documents;

  • Passport information;

  • Driver's license information;

  • Tax identification numbers;

  • National identification numbers;

  • Photographs;

  • Verification images;

  • Selfie or facial verification information where required.

This information may be collected directly from you or through authorized identity verification providers.

5. BUSINESS AND KYB INFORMATION

For business accounts, PSI may collect:

  • Company registration details;

  • Corporate documents;

  • Registered address;

  • Directors;

  • Officers;

  • Beneficial owners;

  • Authorized representatives;

  • Business activities;

  • Industry information;

  • Financial information.

Businesses are responsible for ensuring submitted information remains accurate.

6. CONTACT INFORMATION

We may collect:

  • Email address;

  • Telephone number;

  • Mailing address;

  • Communication preferences;

  • Customer support interactions.

7. FINANCIAL INFORMATION

To provide payment and digital asset services, PSI may collect:

  • Payment card information;

  • Banking details;

  • Transaction history;

  • Wallet balances;

  • Deposit and withdrawal information;

  • Currency conversion activity;

  • Payment processor records.

PSI does not generally store complete payment card information. Card processing information may be handled directly by authorized payment processors.

8. DIGITAL ASSET AND BLOCKCHAIN INFORMATION

When you use cryptocurrency services, PSI may collect:

  • Wallet addresses;

  • Blockchain transaction records;

  • Digital asset balances;

  • Transaction identifiers;

  • Network information;

  • Blockchain activity associated with transactions.

Blockchain information may be analyzed for:

  • Fraud prevention;

  • Sanctions screening;

  • Compliance monitoring;

  • Risk management.

9. DEVICE AND TECHNICAL INFORMATION

We may collect technical information including:

  • IP address;

  • Device identifiers;

  • Browser type;

  • Operating system;

  • Mobile device information;

  • Login history;

  • Authentication information;

  • Cookies;

  • Usage activity.

This information helps PSI:

  • Secure accounts;

  • Prevent fraud;

  • Improve platform performance.

10. HOW WE COLLECT INFORMATION

Information may be collected through:

Direct Collection

Information provided by you when:

  • Creating an account;

  • Completing verification;

  • Making payments;

  • Contacting support.

Automated Collection

Information collected through:

  • Cookies;

  • Security tools;

  • Analytics systems;

  • Platform activity monitoring.

Third Party Sources

PSI may receive information from:

  • Payment processors;

  • Banking partners;

  • Identity verification providers;

  • Compliance providers;

  • Fraud prevention providers;

  • Blockchain analytics providers.

11. WHY PSI COLLECTS INFORMATION

PSI uses information to:

Provide Services

Including:

  • Account creation;

  • Wallet management;

  • Payment processing;

  • Digital asset transactions;

  • Remittance services;

  • Merchant services.

Verify Identity

Including:

  • KYC;

  • KYB;

  • Fraud prevention;

  • Account security.

Regulatory Compliance

Including:

  • AML requirements;

  • Sanctions screening;

  • Regulatory reporting;

  • Record keeping.

Improve Services

Including:

  • Platform development;

  • Security improvements;

  • Customer support;

  • Analytics.

  • PSI processes information for onboarding, transaction execution, settlement, security, fraud detection, sanctions screening, AML/CFT compliance, dispute handling, audit, recordkeeping, legal defense, service enforcement, analytics, product improvement and communications. Where required by applicable law, PSI relies on one or more lawful bases including performance of a contract, compliance with legal obligations, legitimate interests, consent and establishment, exercise or defense of legal claims.

12. KNOW YOUR CUSTOMER (KYC) AND AML PROCESSING

PSI performs identity and compliance checks to meet legal and regulatory obligations.

This may involve:

  • Identity verification;

  • Document authentication;

  • Facial verification;

  • Sanctions screening;

  • Politically exposed person screening;

  • Fraud detection;

  • Transaction monitoring.

PSI may use external providers to perform these services.

13. BIOMETRIC INFORMATION

Where required for identity verification, PSI may process biometric information such as facial recognition data.

Biometric information is used solely for:

  • Identity verification;

  • Fraud prevention;

  • Compliance purposes.

PSI does not use biometric information for unrelated commercial purposes.

Where biometric verification is used, PSI or its specialist vendors may process biometric templates, facial comparison data or liveness data solely for identity verification, fraud prevention and compliance purposes, subject to the retention, deletion or access controls applicable to the relevant provider or territory.

14. PAYMENT PROCESSING DATA

Payment transactions may involve third-party providers including:

  • Payment processors;

  • Card networks;

  • Banks;

  • Financial institutions.

These providers may process information according to their own privacy policies.

15. CRYPTOCURRENCY DATA PROCESSING

PSI may analyze blockchain transactions associated with PSI services.

This may include:

  • Wallet screening;

  • Transaction tracing;

  • Risk scoring;

  • Compliance analysis.

This information helps prevent:

  • Fraud;

  • Money laundering;

  • Sanctions violations.

16. INFORMATION SHARING

PSI may share information with trusted third parties including:

Payment Providers

For:

  • Card processing;

  • Settlement;

  • Fraud management.

Identity Providers

For:

  • KYC/KYB verification.

Banking Partners

For:

  • Fiat settlement;

  • Transfers;

  • Compliance requirements.

Blockchain Providers

For:

  • Transaction monitoring;

  • Digital asset compliance.

Regulators and Authorities

Where required by:

  • Law;

  • Court order;

  • Regulatory obligation.

  • PSI may also disclose information to acquiring banks, issuers, remittance partners, wallet or custody providers, group companies, auditors, insurers, professional advisers, debt recovery providers, dispute-resolution providers, courts, regulators, law enforcement authorities and prospective acquirers or transferees in connection with investigations, service delivery, enforcement, corporate transactions or legal obligations.

17. INTERNATIONAL DATA TRANSFERS

PSI operates in multiple jurisdictions.

Your information may be transferred to countries where:

  • Service providers operate;

  • Compliance processing occurs;

  • Infrastructure is hosted.

PSI will take reasonable steps to ensure appropriate safeguards are applied.

International transfers may occur to jurisdictions that do not offer the same level of protection as the user's home jurisdiction. Where required, PSI will use contractual, organizational or technical safeguards it considers appropriate, and PSI may refuse or limit a service where lawful transfer mechanisms are unavailable or insufficient.

18. DATA SECURITY

PSI uses security measures including:

  • Encryption;

  • Access controls;

  • Authentication controls;

  • Monitoring systems;

  • Audit logging;

  • Infrastructure security practices.

However, no electronic system can guarantee absolute security.

Users are responsible for protecting:

  • Passwords;

  • Authentication credentials;

  • Account access.

  • In the event of suspected compromise, PSI may require credential resets, suspend access, delay transactions, preserve logs, share information with relevant providers and authorities, and take such other steps as PSI reasonably considers necessary to protect users, partners, systems or legal obligations.

19. DATA RETENTION

PSI retains information as necessary for:

  • Providing services;

  • Regulatory obligations;

  • AML requirements;

  • Fraud prevention;

  • Dispute resolution;

  • Audit purposes.

Information may be retained after account closure where legally required.

Retention periods may vary by record category, regulatory obligation, product and risk profile. KYC/KYB, transaction, accounting, sanctions, fraud, complaints and investigation records may be retained for the period required by law, regulation, limitation periods, audit needs or legitimate business interests, even if a user closes an account or requests deletion.

20. COOKIES AND TRACKING TECHNOLOGIES

PSI may use cookies and similar technologies to:

  • Maintain sessions;

  • Improve functionality;

  • Analyze usage;

  • Enhance security.

Users may manage cookie preferences through browser settings.

PSI may use essential, security, analytics, performance and, where enabled, marketing cookies or similar technologies. Additional cookie notices, consent tools or preference centers may apply depending on the territory and the website or application used.

21. USER RIGHTS

Depending on applicable law, users may have rights including:

  • Access to personal information;

  • Correction of inaccurate information;

  • Request deletion;

  • Restriction of processing;

  • Data portability.

These rights may be limited where PSI must retain information for regulatory purposes.

To exercise privacy rights, a user may be required to submit a verified request and provide sufficient information to confirm identity and scope. PSI may refuse or limit a request where an exemption applies, where the request cannot be adequately verified, or where retention or processing remains required for legal, regulatory, fraud-prevention or contractual purposes.

22. MARKETING COMMUNICATIONS

PSI may send:

  • Service notifications;

  • Security alerts;

  • Product updates;

  • Marketing communications.

Users may unsubscribe from marketing communications.

Transactional communications cannot be disabled where required for account operation.

Service messages relating to security, transactions, compliance, disputes, billing, product changes or account administration are operational communications and may still be sent even where a user opts out of marketing communications.

23. CHILDREN'S PRIVACY

PSI services are not intended for persons under eighteen (18) years old.

PSI does not knowingly collect information from children.

24. BUSINESS CUSTOMER DATA

Business customers are responsible for ensuring they have appropriate authority to provide personal information relating to:

  • Employees;

  • Directors;

  • Beneficial owners;

  • Customers.

  • Business customers must ensure that they have provided appropriate notices and obtained any necessary permissions or other lawful basis before submitting personal data relating to directors, officers, beneficial owners, employees, contractors, customers or counterparties.

25. FUTURE PRODUCTS

Future PSI products may include:

  • Treasury services;

  • Investment products;

  • Tokenized assets;

  • Merchant solutions;

  • Additional financial technology services.

Future products are not available unless and until PSI activates them and provides any additional privacy notices, consents or disclosures required for the relevant territory or product. References to future services do not by themselves mean that such services are currently offered.

26. THIRD PARTY LINKS

The PSI Platform may contain links to third-party websites.

PSI is not responsible for third-party privacy practices.

27. CHANGES TO THIS POLICY

PSI may update this Privacy Policy periodically.

Material changes may be communicated through:

  • Website notices;

  • Email;

  • Platform notifications.

  • Where permitted by applicable law, PSI may use automated tools, profiling, fraud-scoring, sanctions screening or transaction monitoring that may materially affect onboarding, transaction approval or account restrictions. Users may contact PSI through the applicable privacy contact route for more information or to raise a privacy complaint.