Privacy Policy

1. Information We Collect

Depending on the services you use, we may collect or process the following categories of information.

Account and Contact Information

This may include:

• Full name
• Date of birth
• Nationality
• Residential address
• Email address
• Telephone number
• Account credentials and security information

Identity Verification Information

To meet identity-verification, anti-money laundering, sanctions, fraud-prevention, and other compliance requirements, we or our service providers may collect or process:

• Government-issued identification documents
• Identification numbers
• Selfies, photographs, and facial or biometric verification information
• Proof of address
• Information concerning source of funds or source of wealth where required
• Verification results and compliance-related information

Identity verification may be performed through Reap KYCaaS, Sumsub, and other approved service providers.

Wallet and Digital Asset Information

We may process:

• Wallet addresses
• Blockchain network information
• Digital asset balances
• Deposits and withdrawals
• Blockchain transaction identifiers
• Transaction history
• Information generated through blockchain screening or risk analysis

Card and Payment Information

We may process information relating to:

• Card issuance and status
• Payment transactions
• Merchant and transaction information
• Transaction amounts and currencies
• Authorisations, reversals, refunds, and disputes
• Card-security and fraud-prevention information

Sensitive card information may be processed through specialised service providers and secure infrastructure rather than stored directly by Volt Pay.

Device and Technical Information

We may automatically collect:

• IP address
• Device type and operating system
• Application version
• Device identifiers
• Login and authentication information
• Security and diagnostic logs
• Crash and performance information

Communications

If you contact us, we may retain your communications, support requests, complaint information, and related records.

2. How We Use Information

We may use personal information to:

• Create and administer your Volt Pay account.
• Verify your identity and determine eligibility for services.
• Provide wallet, digital asset, payment, and card functionality.
• Process and record transactions.
• Protect accounts and authenticate users.
• Detect, investigate, and prevent fraud or unauthorised activity.
• Conduct anti-money laundering, sanctions, transaction-monitoring, and other compliance checks.
• Investigate refunds, disputes, chargebacks, and complaints.
• Provide technical and customer support.
• Maintain and improve the security and reliability of our services.
• Comply with legal, regulatory, contractual, and law-enforcement requirements.
• Establish, exercise, or defend legal claims.
• Notify users about material service or policy changes.

We process information only where reasonably necessary for these purposes or as otherwise permitted or required by applicable law.

3. Service Providers and Disclosure of Information

We may disclose information where necessary to operate Volt Pay or comply with applicable requirements.

Recipients may include:

• Reap Technologies Limited and its card-issuing, processing, compliance, and service partners.
• Sumsub and other identity-verification providers.
• Fireblocks and providers involved in digital-asset wallet infrastructure.
• Google, including services such as Firebase and Google Cloud Platform, where used for application infrastructure, security, analytics, notifications, or related functions.
• SMS, communications, hosting, security, analytics, and technology providers.
• Card networks, processors, financial institutions, and other parties involved in processing card transactions.
• Blockchain analytics, fraud-prevention, sanctions-screening, or compliance providers.
• Professional advisers, auditors, insurers, and service providers where reasonably necessary.
• Courts, regulators, law-enforcement agencies, government authorities, or other persons where disclosure is required or permitted by law.

We do not sell personal information as a standalone commercial product.

4. International Processing and Data Transfers

BlockNest Inc. is registered in Samoa.

Because Volt Pay uses international technology, compliance, payment, card, and infrastructure providers, personal information may be processed or stored in Samoa and in other jurisdictions where we or our service providers operate.

Data-protection laws in those jurisdictions may differ from those in your country.

Where required by applicable law, we take reasonable measures to protect personal information transferred internationally.

5. Retention

We retain personal information for as long as reasonably necessary to:

• Provide Volt Pay services.
• Maintain security and prevent fraud.
• Meet KYC, AML, sanctions, accounting, tax, regulatory, and other legal obligations.
• Resolve transactions, refunds, disputes, and complaints.
• Establish or defend legal claims.

When information is no longer required, we may delete or anonymise it.

Closing or deleting a Volt Pay account does not necessarily result in immediate deletion of all associated records. Information that must be retained for legal, regulatory, anti-money laundering, fraud-prevention, dispute-resolution, or similar purposes may be retained for the applicable required period.

6. Account Deletion

Users may request deletion of their account through the account-deletion function within the Volt Pay app.

Before an account can be deleted:

• All remaining supported digital assets must be withdrawn.
• The account must have no remaining balance.
• Pending transactions, refunds, disputes, chargebacks, or other unresolved obligations may need to be completed or resolved.

When account deletion is completed:

• The Volt Pay account will be disabled.
• Associated active cards will be cancelled.
• The user will no longer be able to log in.
• Personal information will be deleted or anonymised where appropriate, except for information that we are required or permitted to retain.

Account deletion is irreversible.

7. Security

We use reasonable administrative, organisational, and technical measures designed to protect personal information against unauthorised access, loss, misuse, disclosure, alteration, and destruction.

These measures may include access controls, authentication, encryption, monitoring, secure infrastructure, and specialised third-party security providers.

No internet, mobile, blockchain, or information-storage system can be guaranteed to be completely secure.

8. Your Rights

Subject to applicable law, you may have rights concerning your personal information, including rights to:

• Request access to information held about you.
• Request correction of inaccurate information.
• Request deletion of eligible personal information.
• Request information about how your data is used or disclosed.
• Exercise other privacy rights available under applicable law.

Some requests may be restricted where we are required to retain information for KYC, AML, fraud-prevention, transaction, legal, regulatory, or dispute-resolution purposes.

We may need to verify your identity before processing a privacy request.

9. Children

Volt Pay is intended only for persons aged 18 or older.

We do not knowingly offer Volt Pay accounts to persons under 18.

10. Third-Party Services

Volt Pay relies on third-party services and infrastructure. Those providers may process information under their own applicable privacy terms and legal obligations.

Volt Pay is not responsible for the independent privacy practices of third-party websites or services that are outside our control.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to Volt Pay, legal requirements, service providers, or our data practices.

Where a change is material, we may provide notice through the app or another appropriate method.

The updated Privacy Policy will apply from the effective date stated in the revised version.

12. Contact

Questions or requests concerning this Privacy Policy may be sent to:

Website: https://voltpay.biz
Email: [email protected]