J-Pay Privacy Policy

1.Introduction

J-Pay (operating entities include: Hong Kong Jpayment Limited, Fuzhou ICC Shenglong Global Center Branch in China, and JPAYMENT INC. in the USA, collectively referred to as "we") recognizes the importance of personal information security. This Privacy Policy outlines how we handle your personal information when you use J-Pay's global digital payment solutions (including websites, apps, payment interfaces, etc., collectively referred to as "Services").

By using or continuing to use our Services, you acknowledge that you have fully understood and agreed to the terms of this Privacy Policy.

2. Information We Collect

We only collect information necessary to provide payment services and ensure transaction security, including:

• Identity Information When registering for a J-Pay merchant or personal payment account, you may need to provide your name, email, phone number, business license (for merchants), or identification documents (e.g., passport/ID) for verification and compliance with cross-border payment regulations. Payment Information
• Transaction Information To complete transactions, we collect payment instrument details (e.g., last 4 digits of card numbers, issuing bank, payment account identifiers; full card numbers are processed via PCI DSS-compliant encryption channels and are not stored), transaction records (e.g., amount, currency, time, payer/payee details, order ID).
• Device and Log Data We automatically collect device model, OS version, IP address, browser type, access time, page visits, and operation logs for risk control, troubleshooting, and service optimization.
• Other Information Content you provide voluntarily (e.g., inquiries, feedback) or data authorized by you from partners (e.g., e-commerce platforms, payment institutions).

3. How We Use Your Information

We use collected information solely for lawful purposes, adhering to the principle of data minimization:

• Providing, maintaining, and optimizing payment services (e.g., cross-border acquiring, currency exchange, fund aggregation);
• Conducting risk control and fraud prevention (e.g., AI-driven anomaly detection, chargeback alerts);
• Complying with legal obligations (e.g., AML, KYC requirements, reporting to regulators);
• Delivering customer support (e.g., responding to inquiries, resolving disputes);
• Improving products and services (e.g., optimizing payment flows, developing new features);
• Sending service-related notifications (e.g., transaction updates, security alerts; no unrelated marketing).

4. How We Store and Protect Your Information

• Storage and Retention: Your data is stored on secure servers (including trusted cloud providers), with locations determined by your region and compliance needs (e.g., data for mainland China users stored domestically). We retain information only as long as necessary (e.g., transaction records kept for at least 5 years per regulations) before secure deletion or anonymization.
• Security Measures: We implement industry-standard safeguards, including:
  1. PCI DSS compliance for encrypted payment data transmission/storage;
  2. Firewalls and intrusion detection systems (IDS) to prevent cyber attacks;
  3. Strict access controls limiting personnel authorization;
  4. Regular security audits and employee training.

5. How We Share Your Information

We do not sell or rent your personal information to third parties without consent, except in these cases:

• Service Providers: Necessary sharing with partners (e.g., card networks like VISA/Mastercard, payment processors, banks, risk control providers) under confidentiality agreements.
• Legal Compliance: Disclosure when required by laws, court orders, or regulatory requests.
• Business Transfers: Data transfer during mergers, acquisitions, or asset sales, with prior notice and adherence to this policy by successors.

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access and Review: View your data (e.g., account details, transaction history) via your J-Pay account.
• Correction: Request updates to inaccurate or incomplete information.
• Deletion and Account Closure: Request data deletion or account closure (note: some data may be retained for legal compliance).
• Consent Withdrawal: Opt out of non-essential data collection (may affect service functionality).
• Complaints: Raise objections or complaints via Section 8 contacts; we will respond within 15 business days.

7. Changes to This Privacy Policy

We may update this policy due to legal changes, business adjustments, or technological advancements. Updates will be notified via J-Pay's website (j-pay.net), app notifications, or email, effective upon publication. Please review this policy periodically.

8. Contact Us

For questions or to exercise your rights, contact us at:

• Email: [email protected]
• Global Offices:
1. Hong Kong: ROOM 65, 2/F, ETON TOWER, 8 HYSAN AVENUE, CAUSEWAY BAY
2. Mainland China: Unit 5203C, 52F, ICC Shenglong Global Center, Taijiang District, Fuzhou
3. USA: 418 CENTRAL PARK W, NEW YORK, NY 10025
4. Singapore: 144 ROBINSON ROAD, #12-01, ROBINSON SQUARE, SINGAPORE 068908
5. UK: 9 Mere View, Newcastle Road, Congleton, England, CW12 4XW