Privacy Policy

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You. We use Your Personal data to provide and improve the Service. By using Service You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.

Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Grata Payments LTD, 352-901 3RD STREET WEST NORTH VANCOUVER BC V7P 3P9 CANADA.

Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.

Country refers to: British Columbia, Canada

Device means any device that can access the Service such as a computer, a cell phone or a digital tablet.

Personal Data is any information that relates to an identified or identifiable individual.

Service refers to the Grata Payments website, Grata Payments account portal and related services.

Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.

Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.

Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Website refers to Grata Payments LTD website, accessible from https://gratapayments.com

You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Types of Data Collected

We collect several types of information from and about users of our services, including:

Personal Data

While using Our Service, we may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

• Full name
• Address
• Email address
• Phone number
• Date of birth
• Identification documents (e.g., passport, ID card, driver’s license)
• Proof of address (e.g., bank statement, utility bill,)
• Financial information (e.g., bank account details, credit card information)

Business Information

For operating Your corporate accounts, we may collect information about your business, such as:

• Business name
• Registration number
• Registration Address
• Country of incorporation
• Financial details (e.g., business bank account details)
• Other

Transactional Data

In order to provide You a Service and fulfill your requests we may collect information about the transactions you conduct through our services, including:

• Payment details
• Cryptocurrency transaction details
• Currency exchange details
• Transaction history
• Other

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.When You access the Service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze OurService. The technologies We use may include:

Cookies or Browser Cookies. A cookie is a small file placed on Your Device. 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 parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.

Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.

Channels of Your Personal Data Collecting

We may collect information from and about you through:

• Direct Interactions: when you provide information directly to us by filling out forms on our website, registering for an account, conducting transactions, contacting us via phone, email, or other means.
• Automated Technologies: as you interact with our website, we may automatically collect technical information using cookies, web beacons, log files of events that occur while You use Service.
• Third Parties: we may receive information about you from third parties, such as business partners, verification services, public databases, marketing and advertising partners

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

• To provide and maintain our Service: To process Your payment, virtual assets transactions, currency exchange services, to manage Your account, to provide customer support, to monitor the usage of our Service.
• To manage Your Account: To manage Your registration as a user of the Service (verifying your identity, conducting due diligence checks, processing payments and withdrawals, maintaining transaction records). The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
• To contact You: To communicate with you by email, telephone calls, SMS, or other equivalent forms of electronic communication regarding updates or informative communications related to the functionalities, products or contracted services, including Your account, transactions, necessary and reasonable security updates.
• To manage Your requests: To attend and manage Your requests to Us.
• To comply with legal obligations and manage risks: To comply with anti-money laundering (AML) and counter-terrorism financing (CTF) laws, to detect and prevent fraud, to conduct internal audits and investigations.
• For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
• For Service improvement and other purposes: We may use Your information for other purposes, such as data analysis, identifyingusage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

Retention of Your Personal Data and Recordkeeping

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. Retention period may vary based on the type of information and the regulatory requirements applicable to our business. We will retain records of transactions and other relevant information for a minimum period of five (5) years.
This includes:

• Records of transactions, including amounts, dates, and parties involved
• Identification documents and verification records
• Correspondence and communications related to transactions

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this 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 from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there areadequate controls in place including the security of Your data and other personal information.

Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You. Our Service may give You the ability to delete certain information about You from within the Service. You may update, amend, or delete Your information at any time by contacting Us to request access to, correct, or delete any personal information that You have provided to Us.

Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.

Disclosure of Your Personal Data

We may share Your personal information in the following situations:

With Service Providers: We may share Your personal information with Service Providers who perform services on our behalf, such as payment processing, identity verification, customer support, marketing and advertising.

For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.

With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include entities under common ownership or control with us.

For Legal Reasons: To comply with legal obligations (to respond to subpoenas, сourt orders or regulatory requests), to cooperate with law enforcement agencies and government authorities, to protect and defend the rights or property of the Company, to prevent or investigate possible wrongdoing in connection with the Service, to protect the personal safety of Users of the Service or the public, to protect against legal liability.

With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Security of Your Personal Data

We have implemented appropriate security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include:

• Encryption of data in transit and at rest
• Access controls to limit access to your information
• Regular security assessments and audits
• Employee training on data protection and security practices

The security of Your Personal Data is important to Us, but remember 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 Data, we cannot guarantee its absolute security.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any changes by posting the new Privacy Policy on our website and updating the effective date. Your continued use of our services after any changes to this Privacy Policy will constitute your acknowledgment of the changes and your consent to abide and be bound by the modified Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, You can contact us by email: [email protected]