Institutional Privacy Policy

PayFlow collects and processes data strictly necessary to provision institutional payment infrastructure, execute multi-rail clearing, and fulfill global Anti-Money Laundering (AML) and Know Your Customer (KYC) statutory obligations.

When merchants apply for sandbox or production credentials, we ingest entity verification records including registered company details, corporate identification, beneficial ownership structures, authorized director credentials, and institutional contact channels.

During API execution, our edge gateway automatically records technical telemetry: static outbound IP addresses, TLS cryptographic cipher metadata, cryptographic HMAC signature timestamps, and API call volumes for threat prevention and anomaly detection.

We process merchant and transaction data exclusively under legitimate business interests, contractual necessity, and statutory regulatory compliance.

Core operational uses include: executing real-time deposit and payout clearing via partner banking nodes, calculating zero-spread USDT peg conversions, dispatching cryptographically signed webhooks, and performing continuous double-entry ledger balance reconciliations.

We do not engage in profiling, automated credit discrimination, or behavioral surveillance advertising. Transaction telemetry is utilized strictly for system stability, network security, and forensic audit trails.

PayFlow does not sell, rent, monetize, or license merchant transaction data or corporate identities to third-party data brokers, advertising networks, or unauthorized intermediaries under any circumstances.

Data disclosure is strictly constrained to: (a) partner banking institutions and liquidity providers directly involved in clearing the specific transaction corridor; (b) cloud infrastructure providers under enterprise data processing agreements with SOC 2 Type II certifications; and (c) lawful subpoenas or court orders from recognized jurisdictional authorities.

All edge network communication is enforced through TLS 1.3 with forward secrecy. REST API endpoints require reciprocal timestamped HMAC-SHA256 signatures to eliminate tampering and replay vectors.

Merchant credentials and operational databases are encrypted at rest using AES-256-GCM. Cryptographic keys are rotated on an automated schedule through hardware-backed Key Management Systems (KMS).

Production infrastructure access requires multi-party authorization, hardware FIDO2 WebAuthn keys, and isolated VPN bastions with comprehensive immutable audit trails.

In accordance with international financial regulations and banking partner requirements, core transaction ledgers, settlement receipts, and KYC verification records are retained for seven (7) years following account termination.

Transient edge telemetry, temporary sandbox simulation logs, and non-transactional system metrics are purged automatically after ninety (90) days.

Upon expiration of mandatory statutory retention windows, merchant records are irreversibly scrubbed or mathematically anonymized in accordance with NIST SP 800-88 standards.

Subject to statutory ledger archival obligations, institutional clients and their authorized representatives maintain the right to inspect personal information held on file, request immediate corrections of inaccurate corporate records, and obtain structured exports of historic transaction ledgers.

Where processing relies on consent, such consent may be withdrawn at any time, provided that withdrawal does not invalidate prior lawful processing necessary to execute active financial settlements.

The PayFlow portal utilizes strictly functional session cookies required for authentication token validation, CSRF mitigation, and user interface preferences.

We do not deploy cross-site tracking pixels, third-party social media tracking scripts, or invasive telemetry beacons. Clients may disable browser cookies, though platform dashboard authentication requires session cookies to operate securely.

For all privacy inquiries, data subject access requests, or regulatory audits, contact our Data Protection Officer (DPO) directly through our dedicated compliance channels.

Standard institutional inquiries receive a response within twenty-four (24) business hours.