Privacy Policy

1. Introduction

YardPay Pro ("we", "us", or "our") operates the YardPay Pro platform. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment processing services, website, and related applications (collectively, the "Service").

By accessing or using the Service, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access the Service.

2. Information We Collect

2.1 Personal Information

When you register for an account or use our Service, we may collect the following personal information:

• Full name, email address, phone number, and mailing address
• Business name, registration number, and business address
• Government-issued identification (for identity verification purposes)
• Bank account details and payment information
• Tax identification numbers where required by law

2.2 Transaction Data

We collect information related to transactions processed through our platform, including payment amounts, currency, timestamps, payment methods used, merchant and customer identifiers, and transaction status.

2.3 Technical Data

We automatically collect certain technical information when you access the Service, including:

• IP address, browser type and version, and operating system
• Device identifiers and device type
• Pages visited, time spent on pages, and navigation patterns
• Referring website addresses and search terms

2.4 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and track information about your activity on our Service. Please refer to our Cookie Policy for detailed information.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service delivery: To process payments, manage accounts, and provide our platform features
• Identity verification: To verify your identity as required by applicable Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations
• Communication: To send transaction confirmations, invoices, service updates, and support responses
• Security: To detect and prevent fraud, unauthorized transactions, and other illegal activities
• Compliance: To comply with legal obligations, including financial regulations and tax reporting requirements
• Improvement: To analyse usage patterns and improve the Service, including developing new features
• Marketing: To send promotional communications where you have opted in to receive them

4. How We Share Your Information

We may share your information in the following circumstances:

• Payment processors and banking partners: To facilitate payment transactions and settlements
• Regulatory authorities: When required by law, regulation, or legal process
• Service providers: With third-party vendors who assist in operating our platform (e.g., cloud hosting, email delivery, analytics)
• Business transfers: In connection with a merger, acquisition, or sale of assets
• With your consent: When you have given explicit permission to share your information

We do not sell your personal information to third parties.

5. Data Security

We implement appropriate technical and organisational measures to protect your personal information, including:

• Encryption of data in transit (TLS/SSL) and at rest
• PCI DSS compliance for payment card data handling
• Role-based access controls and multi-factor authentication
• Regular security assessments and penetration testing
• Secure data centres with physical access controls

While we strive to use commercially acceptable means to protect your information, no method of electronic storage or transmission over the Internet is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements. Transaction records are retained for a minimum of seven (7) years in accordance with financial regulations.

When your information is no longer required, we will securely delete or anonymise it.

7. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Restriction: Request that we restrict the processing of your information
• Portability: Request a copy of your data in a structured, machine-readable format
• Objection: Object to the processing of your personal information for certain purposes
• Withdraw consent: Where processing is based on consent, you may withdraw it at any time

To exercise any of these rights, please contact us using the details provided in the Contact section below.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. Where we transfer data internationally, we ensure appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

9. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete that information.

10. Changes to This Policy

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

11. Contact Us

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