Privacy Policy

1. Introduction

XNOVA ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment processing services, website, and related services (collectively, the "Services").

Please read this Privacy Policy carefully. By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy.

2. Information We Collect

Personal Information

We collect personal information that you provide directly to us, including:

• Business and personal identification information
• Contact information (email, phone number, address)
• Payment and banking information
• Transaction history and processing records
• Account credentials and authentication data

Usage Information

We automatically collect certain information about your device and how you interact with our Services, including IP address, device type, browser type, operating system, access times, and other technical information.

3. How We Use Your Information

We use the information we collect for various purposes, including:

• Processing payments and managing transactions
• Providing customer support and technical assistance
• Improving and optimizing our payment services
• Detecting and preventing fraud and security breaches
• Complying with legal and regulatory requirements
• Communicating with you about service updates and changes

4. Information Sharing

We may share your information in the following circumstances:

• Service Providers: With third-party vendors and partners who assist in providing our payment services
• Legal Requirements: When required by law or to protect our rights and comply with regulations
• Business Transfers: In connection with a merger, acquisition, or sale of our assets
• With Consent: When you have given us permission to share your information

We do not sell your personal information to third parties.

5. Data Security

We implement industry-standard security measures to protect your personal information, including encryption, secure servers, and regular security assessments. However, no method of transmission over the Internet is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. When we no longer need your information, we will securely delete or anonymize it.

7. Your Rights

You have certain rights regarding your personal information:

• Access and receive a copy of your data
• Correct inaccurate or incomplete information
• Request deletion of your information
• Object to or restrict data processing
• Data portability
• Withdraw consent

8. International Transfers

Your information may be transferred to and processed in countries other than your own. By using our Services, you consent to the transfer of information to countries that may have different data protection rules than your country.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on our website and updating the "Last Updated" date. Your continued use of our Services after such modifications constitutes your acceptance of the updated Privacy Policy.

10. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact our Data Protection Officer: