Privacy Policy

Paynex ("Paynex", "we", "our", or "us") operates a payment orchestration platform that connects businesses to cross-border payout infrastructure through licensed banking, compliance, and settlement partners. This Privacy Policy explains how we collect, use, store, and protect information in connection with our platform and website. Paynex is not a bank, licensed money transmitter, or regulated financial institution. Regulated financial services accessed through the Paynex platform are provided by licensed third-party partners operating under their own regulatory frameworks, each of which may maintain separate privacy policies applicable to their services.

We collect information in the following categories: Platform Users: When you create an account or use the Paynex platform, we collect identifying information such as your name, business name, work email address, and contact details, as well as usage data including transaction history, payout activity, and session information. Website Visitors: When you visit our website, we may collect device and browser information, IP address, referring URLs, and pages visited. This information is used for analytics and security purposes. Partner Inquiries: When you submit a contact form or request a demo, we collect the information you provide, including name, company, email, and the content of your message. We do not collect or store payment card data, bank account credentials, or other sensitive financial information directly. This information is handled by licensed partner infrastructure.

We use collected information to: operate and improve the Paynex platform; process and route payment instructions to partner infrastructure; communicate with users regarding account activity, updates, and support; respond to partnership and integration inquiries; monitor platform security and detect fraudulent activity; and comply with applicable legal and regulatory obligations. We do not sell personal information to third parties. We do not use personal information for targeted advertising.

We share information with licensed infrastructure partners where necessary to fulfill payment orchestration, compliance verification (KYC/KYB), account provisioning, and settlement functions. These partners operate under their own privacy and data protection obligations. We may also share information with: service providers who assist with platform operations under appropriate data processing agreements; legal and regulatory authorities where required by law or court order; and professional advisors such as legal counsel and auditors, under obligations of confidentiality.

We implement industry-standard technical and organizational measures to protect information against unauthorized access, disclosure, alteration, or destruction. These include encrypted data transmission, access controls, and regular security reviews. No transmission over the internet is fully secure. We encourage users to use strong credentials and report suspected security issues promptly.

We retain information for as long as necessary to fulfill the purposes described in this policy, comply with legal and regulatory obligations, resolve disputes, and enforce agreements. When information is no longer required, we delete or anonymize it in accordance with our data retention procedures.

Depending on your jurisdiction, you may have rights regarding your personal information, including the right to access, correct, delete, or restrict its processing. To exercise these rights or make a privacy-related inquiry, please contact us at privacy@paynex.io.

We may update this Privacy Policy from time to time. Material changes will be communicated through the platform or by email. Continued use of the platform following notice of changes constitutes acceptance of the updated policy.

For privacy inquiries, please contact: privacy@paynex.io