XharePay Privacy Policy

1. Information We Collect

We collect information to operate our Services and facilitate secure, compliant shared payouts.

1.1 Information You Provide

• Account Registration: Name, email address, company name, mailing address, phone number, and country.
• Payout Details: Bank account information, routing numbers, tax identification numbers (e.g., SSN, EIN), and payout preferences.
• Collaborator Information: Contact and payment details for payout recipients you invite.
• Communications: Emails, messages, or support requests you send to us.

1.2 Information Automatically Collected

• Device and Usage Information: IP address, browser type, operating system, referring URLs, and activity logs.
• Cookies and Tracking: Session cookies, analytics cookies, and similar technologies to improve our Services.

1.3 Information from Third Parties

• Payment Processors: Limited transaction and verification data from payment providers such as Stripe.
• Compliance Services: Identity verification, fraud prevention, and sanctions screening services.

2. How We Use Your Information

1. Facilitate payouts and split payments among collaborators.
2. Verify your identity and comply with anti-money laundering (AML) and Know Your Customer (KYC) obligations.
3. Communicate with you regarding transactions, updates, and support.
4. Improve, personalize, and secure our Services.
5. Enforce our Terms of Service and protect against fraud or abuse.
6. Comply with applicable laws and regulatory requirements.

3. How We Share Your Information

We do not sell your personal information. We may share it as follows:

• Service Providers: Payment processors, cloud hosting, analytics tools, and KYC/AML partners who process data on our behalf.
• With Collaborators: When you initiate or receive a shared payout, certain information (e.g., name, email, payout status) may be shared with other parties to the transaction.
• Legal Reasons: To comply with law, legal processes, or governmental requests; to enforce our agreements; or to protect rights, safety, and property.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.

4. Data Retention

We retain your information for as long as necessary to provide the Services, comply with our legal and tax obligations, resolve disputes, and enforce agreements.

5. Your Privacy Rights

Depending on your location, you may have rights to access, correct, delete, or receive a copy of your personal data, and to opt out of certain data sharing. To exercise these rights, contact us at privacy@xharepay.com.

6. Data Security

We use administrative, technical, and physical safeguards to protect your information, including encryption in transit and at rest where applicable. However, no method of transmission over the internet is 100% secure.

7. Children’s Privacy

Our Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors.

8. Third-Party Services

Our Services may link to third-party websites or services (including payment providers). This Privacy Policy does not cover those third parties. Please review their privacy policies before providing information.

9. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you via email or a prominent notice on our website. The “Effective Date” above indicates when this Policy was last updated.

10. Contact Us