Privacy Policy

We use your information to:

• Provide Services: Process transactions, manage accounts, and facilitate money transfers
• Verify Identity: Comply with KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations
• Security: Detect and prevent fraud, abuse, and security incidents
• Communication: Send transaction confirmations, updates, and customer support responses
• Improve Services: Analyze usage patterns to enhance user experience and platform functionality
• Marketing: Send promotional offers, newsletters, and updates (with your consent)
• Compliance: Meet legal and regulatory obligations
• Rewards: Administer the Adam Points program and referral system

We may share your information with:

• Service Providers: Third-party companies that help us operate our platform (payment processors, cloud storage, email services)
• Financial Institutions: Banks and payment networks to process transactions
• Legal Authorities: Government agencies, regulators, and law enforcement when required by law
• Business Transfers: In connection with mergers, acquisitions, or sale of assets
• With Your Consent: Other third parties when you explicitly authorize us to do so

We do not sell your personal information to third parties for marketing purposes.

4.1 Storage:

• We use Firebase and secure cloud infrastructure to store your data
• Data is stored in secure data centers with industry-standard protections
• Files (receipts, profile pictures) are stored in encrypted cloud storage

4.2 Security Measures:

• Encryption of data in transit (SSL/TLS) and at rest
• Secure authentication with password hashing
• Optional biometric authentication for enhanced security
• Regular security audits and monitoring
• Access controls and role-based permissions
• Automated fraud detection systems

While we implement robust security measures, no system is completely secure. You are responsible for maintaining the confidentiality of your account credentials.

We retain your personal information for as long as necessary to:

• Provide our services and maintain your account
• Comply with legal, regulatory, and tax requirements
• Resolve disputes and enforce our agreements
• Prevent fraud and abuse

Transaction records are typically retained for 7 years or as required by applicable financial regulations. When data is no longer needed, we securely delete or anonymize it.

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and personal data (subject to legal requirements)
• Portability: Receive your data in a structured, machine-readable format
• Restriction: Request limitation of processing in certain circumstances
• Objection: Object to processing of your data for certain purposes
• Opt-out: Unsubscribe from marketing communications at any time

To exercise these rights, contact us through our support channels. We will respond to your request within 30 days.

We use cookies and similar technologies to:

• Remember your preferences and settings
• Authenticate your account and maintain sessions
• Analyze platform usage and improve performance
• Provide personalized content and features
• Track referrals and attribute rewards correctly

You can control cookies through your browser settings, but disabling them may affect platform functionality.

We may send you:

• Transactional Messages: Order confirmations, receipts, and account updates (cannot be opted out)
• Service Updates: Changes to terms, features, or security alerts
• Marketing Communications: Promotional offers, newsletters, and product updates (opt-in or opt-out available)

You can manage your communication preferences in your account settings or by clicking unsubscribe in our emails.

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

Adams Pay is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child, we will take steps to delete it promptly.

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

We may update this Privacy Policy from time to time. We will notify you of material changes by email or through a notice on our platform. The "Last updated" date at the top indicates when the policy was last revised. Your continued use of Adams Pay after changes constitutes acceptance of the updated policy.