This Privacy Policy applies to all users of SpudPay, including individuals and businesses that access our Services. By using SpudPay, you acknowledge that your information will be handled as described in this Policy.

We collect information necessary to provide our Services and comply with applicable financial regulations.

a. Personal and Business Information

• Full legal name

• Email address and phone number

• Business name, structure, and ownership details

• Physical address

• Government-issued identification (e.g., driver’s license, passport)

• Employer Identification Number (EIN) or Social Security Number (SSN), where required

b. Financial and Transaction Information

• Bank account details and payment instructions

• Transaction history and payment activity

• Digital wallet addresses and blockchain transaction data

• Account balances and funding sources

c. Compliance and Verification Information

• Information required for Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance

• Sanctions screening and identity verification data

• Risk assessment and fraud monitoring data

d. Technical and Usage Information

• IP address and geolocation data

• Device identifiers and browser type

• Log data and platform interaction data

• Cookies and similar tracking technologies

We use collected information to:

• Provide, operate, and maintain the Services

• Facilitate transactions, including stablecoin and fiat payments

• Verify identity and perform KYC/AML compliance checks

• Detect, prevent, and investigate fraud, unauthorized activity, and security incidents

• Comply with legal, regulatory, and reporting obligations

• Communicate with users regarding accounts, transactions, and service updates

• Improve functionality, performance, and user experience

Financial Infrastructure and Custody

SpudPay is a technology platform and does not directly custody customer funds.

Customer funds, including fiat currency and stablecoins, are held and processed by regulated financial institutions, banking partners, and licensed payment providers. SpudPay facilitates access to these services through integrations and APIs.

Certain transactions conducted through SpudPay involve blockchain networks.

• Blockchain transactions may be publicly visible and immutable

• Wallet addresses and transaction data may be accessible on public ledgers

• SpudPay does not control blockchain networks and cannot modify or reverse transactions once confirmed

We do not sell personal information. We may share information only as necessary to operate the Services and comply with legal obligations:

a. Financial and Payment Partners

• Banking partners

• Stablecoin issuers and infrastructure providers (e.g., Brale or similar providers)

• Payment processors and on/off-ramp providers (including Coinflow)

b. Compliance and Risk Providers

• Identity verification services

• Fraud prevention and monitoring providers

• Sanctions screening and regulatory compliance services

c. Service Providers

• Cloud hosting and infrastructure providers

• Analytics and performance monitoring tools

• Customer support platforms

d. Legal and Regulatory Authorities

We may disclose information:

• To comply with applicable laws, regulations, subpoenas, or legal processes

• To respond to lawful requests from government authorities

• To enforce our agreements and protect our rights

We implement administrative, technical, and physical safeguards designed to protect information, including:

• Encryption of data in transit and at rest

• Access controls and authentication measures

• Continuous monitoring and security protocols

Despite these safeguards, no system is completely secure, and we cannot guarantee absolute security.

We retain personal and financial information for as long as necessary to:

• Provide Services

• Fulfill contractual obligations

• Comply with legal, regulatory, tax, and accounting requirements

• Resolve disputes and enforce agreements

Retention periods may extend beyond account closure where required by law.

Depending on applicable law, you may have the right to:

• Access, correct, or update your information

• Request deletion of your data (subject to regulatory requirements)

• Object to or restrict certain processing activitiesscription

We use cookies and similar technologies to:

• Maintain session functionality

• Analyze usage and improve performance

• Enhance user experience

Users may manage cookie preferences through their browser settings.

Our Services may integrate with third-party platforms and providers. We are not responsible for the privacy practices of those third parties. Users are encouraged to review their respective privacy policies.

SpudPay operates primarily in the United States. If you access our Services from outside the U.S., your information may be transferred to and processed in jurisdictions with different data protection laws.

SpudPay is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised “Effective Date.” Continued use of the Services constitutes acceptance of the updated Policy.

For questions or concerns regarding this Privacy Policy, please contact:

SpudPay
admin@@spudcrypto.com
www.spudpay.com