Privacy Policy for Payclusive

Effective Date: January 1, 2025

This Privacy Policy describes how Arikassia ("we", "us", or "our") collects, uses, and shares your personal information when you use Payclusive ("Service"). We are committed to protecting your privacy and ensuring the security of your personal information.

1. Information We Collect

Personal Information You Provide

We collect information that you provide directly to us when you:

  • Create an account or update your profile
  • Complete transactions or make payments
  • Participate in promotions, surveys, or contests
  • Contact customer support or communicate with us
  • Use our services or interact with our platform

This information may include your name, email address, phone number, date of birth, government-issued identification numbers, address, payment information, and transaction history.

Information Collected Automatically

When you access or use our Service, we automatically collect information including:

  • Device information (such as IP address, browser type, operating system, mobile device identifiers)
  • Usage data (such as pages visited, time spent on pages, links clicked)
  • Location information (with your consent)
  • Log information (such as access times, error reports, system activity)
  • Information about your interactions with our emails and communications
Information from Third Parties

We may receive information about you from third parties, such as:

  • Social media platforms if you choose to connect your account
  • Financial institutions for payment verification
  • Business partners with whom you have relationships
  • Publicly available sources

2. How We Use Your Information

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

  • Provide, maintain, and improve our Service
  • Process transactions and send transaction confirmations
  • Verify your identity and prevent fraud
  • Comply with legal and regulatory requirements
  • Communicate with you about our services and updates
  • Personalize your experience and provide relevant content
  • Monitor and analyze usage patterns and trends
  • Protect the security and integrity of our Service
  • Enforce our Terms of Service and other agreements

3. Legal Basis for Processing

Our legal basis for processing your personal information depends on the type of information and the specific context of processing. We generally process your information based on:

  • Contract performance (to provide our services to you)
  • Legal obligation (to comply with applicable laws and regulations)
  • Legitimate interests (to improve our services and prevent fraud)
  • Consent (for specific purposes such as marketing communications)

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your information in the following circumstances:

With Service Providers

We may share your information with third-party service providers who assist us in operating our Service, conducting our business, or serving our users, provided they agree to maintain the confidentiality of your information.

For Legal Reasons

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

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 that transaction.

With Your Consent

We may share your information with your consent or at your direction.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, firewalls, secure server infrastructure, and access controls.

However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means 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 fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

7. Your Rights

Depending on your location, you may have certain rights regarding your personal information, including:

  • The right to access and obtain a copy of your personal information
  • The right to rectify inaccurate personal information
  • The right to erase your personal information
  • The right to restrict or object to processing
  • The right to data portability
  • The right to withdraw consent

To exercise these rights, please contact us at [email protected]. We will respond to your request in accordance with applicable laws.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Service and store certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

9. Children's Privacy

Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

10. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction. By using our Service, you consent to such transfers.

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the effective date at the top.

12. Regulatory Compliance

We operate in compliance with applicable data protection laws and regulations in United States, including regulations set forth by Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI).

13. Contact Us

If you have any questions about this Privacy Policy, please contact us at [email protected].