Privacy Policy – PayPaga
At PayPaga, we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services, in compliance with the applicable data protection laws of the countries where we operate.
1. WHO WE ARE
PayPaga is a registered financial services company headquartered at Plaza Delphi, Blvd. Antonio L. Rodríguez 3058, Suite 101, Santa María, 64650 Monterrey, Nuevo León, Mexico. We operate as a Payment Service Provider (PSP) in various countries in Latin America and beyond.
2. SCOPE OF THIS POLICY
This policy applies to users and visitors of PayPaga’s websites and digital platforms. It covers:
- • What data we collect
- • How we use it
- • With whom we share it
- • Your data protection rights
- • How to contact us
3. APPLICABLE DATA PROTECTION LAWS
We comply with data protection legislation in the jurisdictions in which we operate, including:
- • Mexico: Ley Federal de Protección de Datos Personales en Posesión de los Particulares (LFPDPPP)
- • Colombia: Ley 1581 de 2012 y Decreto 1377 de 2013
- • Perú: Ley N.º 29733 – Ley de Protección de Datos Personales
- • Ecuador: Ley Orgánica de Protección de Datos Personales (2021)
- • Chile: Ley 19.628 sobre protección de la vida privada
- • Brasil: Lei Geral de Proteção de Dados (LGPD)
- • European Union: General Data Protection Regulation (GDPR)
- • United States and Canada: Relevant federal and state provincial privacy laws (e.g., CCPA, PIPEDA)
4. WHAT PERSONAL DATA WE COLLECT
Depending on your relationship with us, we may collect:
- • Identity Data (name, date of birth, gender)
- • Contact Data (email, phone number, address)
- • Professional Data (business name, job title, industry)
- • Technical Data (IP address, browser type, operating system, device info)
- • Usage Data (pages visited, time spent, click behaviour)
- • Preferences and Interests
- • Financial and payment information (when applicable)
5. HOW WE USE YOUR DATA
We use your personal data for the following purposes:
- • To provide and manage our services
- • To process transactions and fulfil contracts
- • To communicate with you (including responses to inquiries)
- • To personalize and improve the user experience
- • To send relevant updates, offers, or marketing communications (only with your explicit consent)
- • To comply with legal obligations (e.g., anti-money laundering, KYC)
6. COOKIES AND TRACKING
We use cookies and third-party tools (e.g., Google Analytics) to understand how users interact with our website. These tools help us:
- • Analyze traffic patterns and behavior
- • Improve site usability and content
- • Monitor effectiveness of marketing efforts
You have control over whether such cookies are used. A cookie consent banner allows you to opt in or out of non-essential cookies.
7. WEBSITE USAGE AND TRACKING TECHNOLOGIES
By using our website, you agree to the use of cookies and tracking technologies as described in this policy. We use a variety of third-party tools and technologies to analyze user behavior, improve site functionality, and enhance user experience. These tools may collect data such as your IP address, browser type, device information, pages visited, and actions taken on the site (e.g., clicks, scrolls, navigation). The data collected is used to:
- • Monitor website performance and identify technical issues
- • Analyze how users interact with our content
- • Optimize the structure and functionality of the website
- • Measure the effectiveness of marketing and advertising campaigns
These technologies may involve the use of cookies, web beacons, or similar mechanisms. The information collected may be stored and processed by third-party service providers in accordance with their own privacy policies.
You can control or disable tracking technologies through your browser settings or by using opt-out tools provided by relevant service providers. A cookie consent banner is available on our website to manage your preferences.
8. LEGAL BASIS FOR PROCESSING
We only process personal data where we have a lawful basis to do so, which may include:
- • Your explicit consent
- • Fulfillment of a contractual obligation
- • Compliance with legal requirements
- • Our legitimate interests (e.g., fraud prevention, service optimization)
9. INTERNATIONAL TRANSFERS
Your data may be transferred to, and stored in, countries outside your own jurisdiction, including countries that may not offer the same level of data protection. We ensure that appropriate safeguards are in place, such as:
- • European Commission’s standard contractual clauses
- • Transfer to jurisdictions deemed adequate by regulatory authorities
10. DATA RETENTION
We retain your data only as long as necessary to fulfill the purposes described in this Policy, unless a longer retention period is required by law. Retention periods may vary by jurisdiction and data type.
11. YOUR RIGHTS
You may have the right to:
- • Access the personal data we hold about you
- • Request correction or deletion of your dat
- • Object to or restrict certain processing
- • Withdraw your consent at any time
- • File a complaint with a relevant data protection authority
To exercise your rights, please contact us at [email protected].
12. DATA SECURITY
We implement appropriate technical and organizational measures to safeguard your personal data. These include:
- • SSL encryption
- • Secure servers and networks
- • Access controls and authentication systems
- • Regular security audit
13. SHARING YOUR INFORMATION
We may share your data with:
- • Our affiliated companies and subsidiaries
- • Service providers (e.g., IT, payment processors, marketing)
- • Regulatory authorities when required
All third parties are contractually bound to protect your data in accordance with applicable laws.
14. CONTACT US
If you have questions about this Privacy Policy or how we handle your data, please contact:
Data Protection Officer (DPO)
Plaza Delphi, Blvd. Antonio L. Rodríguez 3058, Suite 101
Santa María, 64650 Monterrey, Nuevo León, Mexico
Email: [email protected]15. UPDATES TO THIS POLICY
We may update this Privacy Policy from time to time to reflect changes in our practices, legal obligations, or technologies. We encourage you to review it regularly