Privacy Policy

1. Introduction

Bayarcash (“we,” “our,” “us”) values your privacy and is committed to protecting your personal data. This policy explains how we collect, use, share, and protect information when you:

• Use our website (bayarcash.com)
• Register for or use Bayarcash services
• Interact with our platform as a merchant or end-user

By using our services, you agree to the practices described in this policy.

2. Information We Collect

a. Personal Information

We may collect:

• Name, email address, phone number, and postal address
• Identification documents (e.g., government ID, business registration documents)
• Account login details and credentials
• Payment and banking information

b. Non-Personal Information

We may collect:

• Device and browser information
• IP address and location data
• Usage analytics, including pages visited and interactions on our platform

c. Cookies & Tracking

We may use cookies and similar technologies to:

• Improve website performance
• Personalize user experience
• Analyze traffic and trends

You can manage cookies through your browser settings.

3. How We Use Your Information

We use your information to:

• Provide and improve our services
• Verify identities and prevent fraud
• Process transactions and settlements
• Communicate important updates, security alerts, and promotional materials (where consented)
• Comply with legal, regulatory, and contractual obligations
• Conduct analytics to improve service quality

4. How We Share Your Information

We do not sell your personal data. Information may be shared with:

• Service providers: for payment processing, cloud hosting, analytics, and other operational services
• Regulatory authorities: to comply with laws, AML/KYC, and sanctions regulations
• Business partners: only to the extent necessary for service delivery
• Legal or security reasons: to protect Bayarcash, users, or third parties from fraud, abuse, or legal claims
• Business transfers: in the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of the transaction

5. Data Security

Bayarcash implements reasonable technical, administrative, and physical safeguards to protect personal information from unauthorized access, loss, misuse, or disclosure.

• Data is encrypted in transit and at rest.
• Access to personal information is restricted to authorized personnel only.
• Users are responsible for maintaining confidentiality of account credentials.

6. Data Retention

We retain personal information only as long as necessary to:

• Provide our services
• Comply with legal or regulatory obligations
• Resolve disputes or enforce agreements

Records are handled in accordance with Bayarcash’s Record Retention Policy.

7. Your Rights

Depending on your jurisdiction, you may have the following rights:

• Access and request a copy of your personal data
• Correct or update inaccurate information
• Request deletion of personal data (subject to legal obligations)
• Withdraw consent for processing (where applicable)
• Object to or restrict certain types of processing

Requests can be made by contacting compliance@bayarcash.com.

8. Third-Party Links

Our website or services may contain links to third-party websites. Bayarcash is not responsible for the privacy practices or content of external sites.

9. Children’s Privacy

Bayarcash services are not directed to individuals under 18 years old. We do not knowingly collect personal information from children.

10. International Transfers

Personal data may be transferred and stored outside your country. By using our services, you consent to such transfers in accordance with applicable data protection laws.

11. Changes to this policy

We may update this policy from time to time. Updates will be posted on our website with the effective date. Your continued use of Bayarcash services constitutes acceptance of the revised policy.

12. Contact Us