Privacy Policy

1. Introduction

At CircoFlows, we are committed to protecting your privacy and ensuring the security of your personal information.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment processing services.

2. Information We Collect

We collect several types of information from and about users of our services:

Personal Information

• Name and contact information (email, phone, address)
• Business information and credentials
• Payment and financial information
• Identity verification documents

Technical Information

• IP address and device information
• Browser type and version
• Operating system
• Usage patterns and analytics

Transaction Information

• Payment transaction details
• Merchant and customer information
• Transaction amounts and timestamps
• Payment method details

3. How We Use Information

We use the information we collect for various purposes:

• Providing and maintaining our payment processing services
• Processing transactions and managing accounts
• Verifying identity and preventing fraud
• Communicating with you about our services
• Improving our services and user experience
• Complying with legal and regulatory requirements

4. Information Sharing

We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:

• With your explicit consent
• To comply with legal obligations
• To protect our rights and safety
• With trusted service providers who assist in our operations
• In connection with business transfers or mergers

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication measures
• Employee training on data protection
• Incident response and breach notification procedures

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.

7. Your Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access and review your personal information
• Request correction of inaccurate information
• Request deletion of your personal information
• Object to processing of your information
• Request data portability
• Withdraw consent where applicable

8. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience on our website:

• Essential cookies for website functionality
• Analytics cookies to understand usage patterns
• Security cookies to protect against fraud
• Preference cookies to remember your settings

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

10. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: