Privacy Policy

At JhaPay, your privacy and security are our top priorities. This Privacy Policy outlines how we collect, use, share, and protect your personal and financial information when you use our mobile application or services.

1. Information We Collect

We collect the following types of information:

Personal Information: Name, email address, phone number
Financial Information: Bank account details, wallet activity
Device & Usage Information: IP address, device ID, geolocation, app activity logs
Third-Party Data: Data from financial partners, payment processors, and identity verification providers

2. How We Use Your Information

We use your information to:

• Facilitate money transfers
• Verify identity
• Prevent fraud and monitor suspicious activity
• Provide customer support and maintain account security
• Improve user experience and app functionality

3. How We Share Information

We do not sell your data. We may share your information with:

• Financial partners (banks, payment gateways)
• Law enforcement, if required by U.S. law

4. Your Rights

You have the right to:

• Access, update, or delete your personal information
• Opt-out of certain data uses

To exercise these rights, email jhapayapp@gmail.com

5. Data Retention

We retain transaction and identity data for as long as required by law.

6. Security

We use encryption, firewalls, and 2FA to secure your data.

7. Changes to This Policy

We may update this Privacy Policy. Changes will be notified via app or email.

8. Refund Policy (Privacy Scope)

While JhaPay handles transactions between users, refund requests related to unauthorized, failed, or duplicate transactions will be evaluated under strict conditions:

• We may collect additional user information or proof to process a refund request
• Personal data submitted during refund evaluation is used solely for dispute resolution and not shared with third parties, except when required by law or payment partners
• All refund-related data will be securely stored for compliance and audit purposes
• Refund outcomes will be communicated via jhapayapp@gmail.com or in-app notifications

For questions about this Privacy Policy, contact us at jhapayapp@gmail.com