1. Introduction

TangentoPay is committed to protecting the privacy and personal data of its users. This Privacy Policy describes how TangentoPay collects, accesses, uses, stores, shares, and protects personal information in connection with the use of its services. The policy is designed to comply with applicable data protection, financial services, and regulatory requirements.

By accessing or using TangentoPay’s services, users acknowledge and agree to the data practices described in this Privacy Policy.

2. Scope of Application

This Privacy Policy applies to all users of TangentoPay’s platforms, products, and services, including websites, applications, and related technologies, and covers both personal and non-personal data processed by TangentoPay.

3. Data Collected

TangentoPay collects and processes only data that is necessary for the provision of its services and compliance with legal and regulatory obligations. This may include:

• Personal identification information required for account registration and verification
• Contact information
• Account, transaction, and payment-related data
• Technical and device information used for security and fraud prevention
• Limited third-party data (such as authorized Google user data), where explicitly permitted by the user

4. Purpose of Data Processing

Personal data is processed strictly for lawful and defined purposes, including:

• Account creation, administration, and maintenance
• Identity verification and customer due diligence (KYC/CDD)
• Transaction processing and monitoring
• Fraud detection, prevention, and security monitoring
• Compliance with Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and other legal obligations
• System integrity, operational reliability, and service improvement

5. Legal Basis for Processing

TangentoPay processes personal data based on one or more of the following legal grounds:

• Performance of a contract with the user
• Compliance with legal and regulatory obligations
• Legitimate business interests, including security and fraud prevention
• User consent, where required by applicable law

6. Data Sharing and Disclosure

TangentoPay does not sell personal data. Personal data may be shared only under the following circumstances:

• With regulated and vetted third-party service providers supporting payment processing, identity verification, fraud prevention, or technical infrastructure
• With auditors, legal advisors, or professional service providers under confidentiality obligations
• With competent regulatory authorities, law enforcement, or government agencies where required by law

All data sharing is limited to the purpose for which the data was disclosed and subject to appropriate safeguards.

7. Data Storage and Security

TangentoPay implements appropriate technical and organizational security measures to protect personal data against unauthorized access, loss, misuse, or alteration. These measures include encryption, access controls, monitoring systems, and regular security assessments.

8. Data Retention

Personal data is retained only for the duration necessary to fulfill operational, legal, and regulatory obligations. Retention periods are determined in accordance with AML, financial services, and data protection requirements. Upon expiration of the applicable retention period, data is securely deleted or anonymized, unless continued retention is required by law.

9. User Rights

Subject to applicable law, users may have the right to:

• Access their personal data
• Request correction of inaccurate or incomplete data
• Request deletion of personal data, where legally permissible
• Object to or restrict certain data processing activities
• Withdraw consent where processing is based on consent

Requests may be subject to identity verification and legal or regulatory limitations.

10. Third-Party Services

TangentoPay’s services may integrate with third-party platforms or services. TangentoPay is not responsible for the privacy practices of third parties, and users are encouraged to review applicable third-party privacy policies before providing personal data.

11. Cross-Border Data Transfers

Where personal data is transferred across borders, TangentoPay ensures that such transfers are conducted in compliance with applicable data protection laws and are subject to appropriate safeguards.

12. Policy Updates

TangentoPay may update this Privacy Policy from time to time to reflect changes in legal, regulatory, or operational requirements. Updates will become effective upon publication, and continued use of the services constitutes acceptance of the revised policy.

13. Contact and Inquiries

Questions or concerns regarding this Privacy Policy or data processing practices may be directed through TangentoPay’s official communication channels.