Privacy Policy

1. Introduction

PAYchat ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our USDT payment service through Telegram.

2. Information We Collect

2.1 Information You Provide

• Telegram Account Information: User ID, username, first name (provided by Telegram)
• Wallet Information: TRON wallet addresses for deposits and withdrawals
• Transaction Data: Payment amounts, descriptions, and timestamps
• Security Information: PIN code (stored as encrypted hash)

2.2 Information Automatically Collected

• Device information and platform type
• IP address (for security purposes only)
• Usage data and interaction logs

3. How We Use Your Information

We use your information to:

• Process USDT payments and transactions
• Verify your identity and prevent fraud
• Provide customer support
• Send transaction notifications via Telegram
• Improve our services
• Comply with legal obligations

4. Data Storage and Security

We implement industry-standard security measures to protect your data:

• All sensitive data is encrypted at rest and in transit
• PIN codes are hashed using bcrypt algorithm
• We use secure HTTPS connections for all communications
• Regular security audits and monitoring

5. Blockchain Transactions

Please note that transactions on the TRON blockchain are:

• Publicly visible and permanent
• Cannot be deleted or modified once confirmed
• Associated with wallet addresses (not personal identity)

6. Data Sharing

We do not sell your personal information. We may share data only:

• With service providers who assist our operations
• When required by law or legal process
• To protect our rights and prevent fraud
• With your explicit consent

7. Your Rights

You have the right to:

• Access your personal data
• Request correction of inaccurate data
• Request deletion of your account
• Export your transaction history
• Withdraw consent at any time

8. Data Retention

We retain your data for as long as your account is active or as needed to provide services. Transaction records may be kept longer for legal and regulatory compliance.

9. Children's Privacy

Our service is not intended for users under 18 years of age. We do not knowingly collect information from children.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

11. Information for European Users (GDPR)

Under the General Data Protection Regulation (GDPR), you have the following additional rights:

• Right of Access: Request a copy of your personal data we hold
• Right to Rectification: Request correction of inaccurate personal data
• Right to Erasure: Request deletion of your personal data ("right to be forgotten")
• Right to Restrict Processing: Request limitation of how we use your data
• Right to Data Portability: Receive your data in a structured, machine-readable format
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent at any time where processing is based on consent

Legal Basis for Processing: We process your personal data based on:

• Performance of a contract (to provide our payment services)
• Legal obligations (compliance with financial regulations)
• Legitimate interests (fraud prevention, security)
• Your consent (where applicable)

To exercise your GDPR rights, please contact us at privacy@paychat.info. You also have the right to lodge a complaint with your local data protection authority.

12. Information for California Residents (CCPA)

Under the California Consumer Privacy Act (CCPA), you have the following rights:

• Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you
• Right to Delete: Request deletion of your personal information, subject to certain exceptions
• Right to Opt-Out: Opt out of the sale of your personal information (note: we do not sell personal information)
• Right to Non-Discrimination: You will not receive discriminatory treatment for exercising your privacy rights

Categories of Personal Information Collected:

• Identifiers (Telegram user ID, username)
• Financial information (wallet addresses, transaction history)
• Internet activity (usage data, interaction logs)
• Geolocation data (derived from IP address)

We do not sell your personal information. To exercise your CCPA rights, please contact us at privacy@paychat.info or submit a request through our service.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes through Telegram or our service.