^{WELCOME TO GXPAY}

^{Region Version: [Auto-detect or user-selected: US / EU / Asia / Africa / Global]}

^{1. Overview}

^{GXPay is committed to protecting your privacy. This policy explains how we collect, use, and share your personal data.}

^{2. Data We Collect}

^{- Identity data (name, ID documents)}

^{- Contact data (email, phone, address)}

^{- Transaction data (amounts, currencies, destinations)}

^{- Device and usage data (IP address, browser type)}

^{3. How We Use Your Data}

^{- To process and deliver money transfers}

^{- To verify identity and comply with AML/KYC laws}

^{- To improve our services and user experience}

^{- To communicate with you about transactions and updates}

^{4. Data Sharing}

^{We may share your data with:}

^{- Regulatory authorities (e.g., OFAC, FINTRAC, NFIU)}

^{- Payment processors and banking partners}

^{- Identity verification services}

^{GXPay does not sell your personal data.}

^{5. Your Rights by Region}

^{- EU (GDPR): Access, correction, deletion, portability}

^{- US (CCPA): Access, opt-out of data sale (where applicable)}

^{- Asia (PDPA/PDP): Consent, access, correction}

^{- Africa (NDPR): Data protection rights, complaint mechanisms}

^{- Canada (PIPEDA): Access, correction, withdrawal of consent}

^{6. Data Retention}

^{We retain data for as long as required by law, typically 5–10 years for financial records.}

^{7. Security Measures}

^{GXPay uses encryption, access controls, and regular audits to protect your data.}

^{8. Contact}

^{For privacy inquiries, contact:}

^{Email: privacy@gx-pay.com}