Privacy Policy

1. Scope

This Policy applies to the iCronPay public website, merchant portal, hosted payment experiences, APIs, account onboarding, transaction support, settlement operations, and related communications. It does not govern third-party websites, wallets, exchanges, blockchain networks, banks, or service providers that publish their own privacy terms.

2. Information we collect

The information we collect depends on how you interact with iCronPay and which services you use.

Identity and contact information

• Name, username, email address, telephone number, postal address, and account identifiers.
• Communications, support requests, preferences, and records of our interactions with you.

Business and verification information

• Business name, registration details, operating address, website, business activity, ownership or control information, anticipated transaction activity, and settlement requirements.
• Identity or verification documents and information about directors, representatives, beneficial owners, or an individual applicant where required for account review, security, fraud prevention, or compliance.

Transaction and settlement information

• Order references, payment amounts, currencies, blockchain networks, transaction identifiers, wallet addresses, payment status, timestamps, refunds, settlement instructions, and reconciliation records.
• Information needed to process crypto or supported fiat settlement, including bank or wallet destination details where applicable.

Technical and usage information

• IP address, browser and device information, time zone, language, approximate location derived from an IP address, access times, referral pages, security events, and service logs.
• Cookie or similar technology information as described in our Cookie Policy.

3. How we collect information

• Directly from you: when you visit the website, create or manage an account, submit verification information, configure payment or settlement services, or contact support.
• From merchants and payers: when a merchant creates an order or a payer completes, attempts, or requests support for a payment.
• Automatically: through service logs, security monitoring, cookies, and similar technologies when you use our website, portal, or hosted payment flows.
• From service providers: including identity verification, fraud prevention, sanctions screening, blockchain analytics, wallet, exchange, banking, and settlement providers.
• From public sources: including company registries, sanctions lists, public websites, and other lawful sources used for verification and risk review.

4. How we use information

We use personal information where necessary to operate our services, perform an agreement, comply with legal obligations, protect legitimate interests, or act with consent where consent is required. Purposes include:

• Reviewing applications, verifying identity and business information, creating accounts, and providing support.
• Processing and monitoring payments, confirmations, conversions, refunds, reconciliation, and settlement instructions.
• Protecting accounts and services, detecting fraud or misuse, managing risk, enforcing our terms, and resolving disputes.
• Complying with applicable legal, regulatory, tax, accounting, sanctions, anti-money laundering, and recordkeeping obligations.
• Communicating service notices, security messages, account information, and responses to requests.
• Maintaining, troubleshooting, measuring, and improving the reliability and usability of our website and services.
• Establishing, exercising, or defending legal claims and supporting corporate transactions or audits.

5. How we share information

We do not sell personal information. We may disclose information only as reasonably necessary for the purposes described in this Policy, including to:

• Infrastructure, hosting, security, communications, customer support, and professional service providers.
• Identity verification, sanctions screening, fraud prevention, blockchain analytics, and risk service providers.
• Wallet, exchange, blockchain, liquidity, banking, payment, and settlement providers needed to complete a requested service.
• Merchants and their authorized users for payment status, reconciliation, customer support, refund, and dispute purposes.
• Government bodies, courts, regulators, law enforcement, or other parties when required by law or necessary to protect rights, safety, and service integrity.
• A buyer, investor, adviser, or successor in connection with a merger, financing, restructuring, sale, or transfer of all or part of our business, subject to appropriate confidentiality protections.

Service providers may use information only for authorized purposes and subject to their contracts, applicable law, and their own legal responsibilities.

6. International transfers

iCronPay supports global digital commerce and may process information in countries other than the country where it was collected. Privacy laws in those locations may differ. Where required, we use contractual, organizational, or other safeguards designed to protect information during an international transfer.

7. Data retention

We retain personal information only for as long as reasonably necessary to provide services, manage an account or transaction, meet legal and regulatory obligations, resolve disputes, enforce agreements, and protect against fraud or security threats. Retention periods vary by data category, relationship, jurisdiction, and the nature of the service. We may retain limited records after an account closes when required for compliance, accounting, audit, or legal claims.

8. Security

We use administrative, technical, and organizational measures designed to protect personal information against accidental loss and unauthorized access, use, alteration, or disclosure. Access is limited to people and providers with a legitimate need to handle the information. No internet transmission, blockchain network, or storage system can be guaranteed to be completely secure, and users remain responsible for protecting their account credentials and devices.

9. Your rights

Depending on your location and applicable law, you may have rights to request access to, correction of, deletion of, restriction of, or portability of personal information. You may also have the right to object to certain processing, withdraw consent where processing relies on consent, or complain to a competent data protection authority.

These rights may be limited where information must be retained for legal, security, fraud prevention, transaction, or contractual reasons. We may need to verify your identity before acting on a request. To submit a request, contact support@icronpay.com.

10. Children

iCronPay services are intended for adults and business use. They are not directed to children under 18, and we do not knowingly open accounts for children. If you believe a child has provided personal information to us, contact us so that we can review and take appropriate action.

11. Third-party links and services

Our website and services may link to the merchant portal, API documentation, wallets, exchanges, blockchain explorers, banks, or other third-party destinations. Those parties operate independently and may collect information under their own privacy policies. Review their terms before providing information or using their services.

12. Changes to this Policy

We may update this Privacy Policy to reflect changes in our services, technology, operations, or legal obligations. The date at the top identifies the latest version. Material changes may also be communicated through the website, merchant portal, or account contact details where appropriate.

13. Contact us

Questions, privacy requests, and concerns may be sent to: