Privacy Policy

01 Information We Collect

Depending on how you interact with our website and services, we may collect the following categories of information:

• Personal Information: Name, CNIC details where required, email address, phone number, and contact information.
• Business Information: Business name, registration details, merchant information, and relevant business documents.
• Transaction Information: Payment records, transaction references, payment status, and related financial information.
• Technical Information: IP address, browser type, device information, operating system, and website usage data.

We collect information that is reasonably necessary for providing our services, fulfilling contractual obligations, and meeting applicable legal requirements.

02 How We Use Your Information

We may use the collected information for legitimate business and operational purposes, including:

• Providing, operating, and managing our services.
• Verifying identities and completing KYC procedures where applicable.
• Preventing fraud, unauthorized transactions, and illegal activities.
• Responding to inquiries and providing customer support.
• Improving our website, services, and user experience.
• Maintaining business, security, and transaction records.
• Complying with applicable legal and regulatory requirements.

03 Data Protection & Security

We take reasonable technical and organizational measures to protect personal information against unauthorized access, misuse, alteration, loss, or disclosure.

Depending on the nature of the information and services, these measures may include:

• Secure servers and hosting environments.
• Encryption and secure data transmission where appropriate.
• Access controls and authorization procedures.
• Security monitoring and system maintenance.
• Appropriate internal data handling procedures.

No method of electronic storage or transmission is completely secure. We therefore cannot guarantee absolute security of information.

04 Information Sharing & Disclosure

Center of Information does not sell personal information to third parties. We may share relevant information only where necessary for legitimate business, operational, contractual, or legal purposes, including with:

• Authorized regulatory authorities, where legally required.
• Partner banks and financial institutions, where relevant to the services provided.
• Authorized payment service providers and technical service providers.
• Legal authorities and law enforcement agencies in response to lawful requests.
• Professional advisers and service providers subject to appropriate confidentiality obligations.

Information may also be disclosed where necessary to protect our legal rights, users, systems, or services, in accordance with applicable law.

05 Cookies & Tracking Technologies

Our website may use cookies and similar technologies to improve website functionality, remember preferences, understand visitor activity, and analyze website traffic.

You can manage or disable cookies through your browser settings. Please note that disabling certain cookies may affect some website features and functionality.

06 User Responsibilities

Users are responsible for:

• Maintaining the confidentiality of their account credentials and passwords.
• Using secure devices and protecting their account access.
• Providing accurate and updated information when using our services.
• Notifying us promptly if they suspect unauthorized access or misuse of their information.

We are not responsible for unauthorized access resulting from a user’s failure to protect their login credentials, except where liability cannot be excluded under applicable law.

07 Data Retention

We retain personal and business information only for as long as reasonably necessary to fulfill the purposes described in this Policy, meet contractual obligations, resolve disputes, maintain business records, and comply with applicable legal and regulatory retention requirements.

When information is no longer required, it will be securely deleted, anonymized, or otherwise handled in accordance with applicable requirements.

08 Policy Updates

Center of Information may update this Privacy Policy periodically to reflect changes in our services, business practices, security measures, or legal and regulatory requirements.

Updated versions will be published on our website. The revised Policy will take effect from its stated effective date or date of publication, as applicable.

09 Contact Us

If you have questions, concerns, or requests relating to this Privacy Policy or the handling of your personal information, please contact us: