Service and Privacy Agreement

I. Scope of Application

This Privacy Policy applies to all personal information collected and used by KuPay when you register and use KuPay platform services (including but not limited to websites, applications, and other platform-related services).

II. Information Collection

During your use of KuPay services, we may collect and process the following information：

• Basic Information: Including your name, identification documents, phone number, email address, banking information, etc.
• Transaction Information: Including your platform transaction records, transfers, payments, account balances, and transaction-related communications and services.
• Device Information: We may collect information such as your device model, operating system, IP address, browser type, etc., to optimize platform experience.
• Location Information: With your authorization, we may collect your location information to provide more personalized services.

III. Information Usage

We use the collected information for the following purposes:

• Account Management and Verification: To help you create and manage your KuPay account, perform identity verification, and ensure account security.
• Service Provision and Improvement: To provide relevant services and continuously optimize user experience based on your needs.
• Transaction Processing: To complete and process your deposit, withdrawal, transfer, and other transaction requests.
• Security Protection: To monitor and prevent fraudulent activities and ensure your account security.
• Legal Compliance: To meet legal and regulatory requirements such as Anti-Money Laundering (AML) and Know Your Customer (KYC).

IV. Information Sharing

We may share your personal information with third parties in the following circumstances:

• Legal Requirements: We may disclose your personal information as required by laws, regulations, court orders, or government authorities.
• Business Cooperation: In compliance with relevant laws and regulations, KuPay may share certain information with our partners to provide and optimize our services.
• Third-party Service Providers: When necessary, we may share your information with third-party service providers (such as payment institutions, identity verification service providers) to complete transactions or provide other services.

KuPay will ensure that all third parties with whom we share information assume responsibility for protecting user personal information and limit its use to the purposes specified in this Privacy Policy.

V. Information Protection

KuPay takes information security very seriously. We employ multi-layered security measures, including but not limited to encryption technology, access control, and identity verification, to prevent information loss, misuse, or unauthorized access, disclosure, modification, or destruction.

VI. User Rights

• Right of Access: You have the right to access, view, and update your personal information at any time.
• Right of Deletion: Where legally permitted, you may request us to delete your personal information.
• Right to Withdraw Consent: You have the right to withdraw your consent at any time regarding the collection and use of information you have authorized in specific circumstances.

You can exercise these rights through KuPay's customer service or relevant operational interfaces. We will process your requests within a reasonable timeframe.

VII. Information Storage

• Storage Period: We will retain your personal information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.
• Storage Location: Your personal information in KuPay will be primarily stored in our designated data centers, with data storage and transmission complying with relevant data protection regulations.

VIII. Third-party Links

The KuPay platform may contain links to third-party websites or services. These third parties' privacy protection measures are not controlled by KuPay, and this Privacy Policy does not apply to these external websites or services. We recommend that you carefully read their privacy policies when visiting these websites or using third-party services.

IX. Minor Privacy Protection

KuPay's services are not intended for minors. Users under 18 years of age must use this service with the consent and guidance of their guardians. If we discover that we have collected personal information from minors, we will promptly take measures to delete such information.

X. Policy Updates

KuPay will periodically update this Privacy Policy based on changes in laws and regulations, business development, or user needs. For significant changes, we will notify users through email or platform announcements. The updated Privacy Policy will take effect immediately upon publication.

XI. Contact Us

If you have any questions, suggestions about this Privacy Policy, or need to make requests regarding the processing of your personal information, please feel free to contact the KuPay customer service team. We will do our best to assist you.