Privacy Policy

At Sapniverse Pay, we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment processing services, website, APIs, and software applications (collectively, the "Services").

Please read this Privacy Policy carefully. By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with our policies and practices, please do not use our Services.

This Privacy Policy applies to all information collected through our Services, as well as any related services, sales, marketing, or events.

Sapniverse LLC ("Company", "we", "us", or "our") is the data controller responsible for your personal data:

Sapniverse LLC
447 Broadway, 2nd Floor Suite #2206
New York, New York 10013
United States

If you have any questions about this Privacy Policy or our data practices, please contact us at:

Email: privacy@sapniverse.com

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

3.1 Personal Data

Personal Data refers to any information that identifies or can be used to identify you. This may include:

• Identity Information: Your name, company name, job title, date of birth, and government-issued identification.
• Contact Information: Your email address, mailing address, phone number, and other contact details.
• Financial Information: Your bank account details, payment card information, and transaction history.
• Business Information: Your business tax ID, business type, industry, and verification documents.
• Account Information: Your username, password, account preferences, and security questions/answers.
• Transaction Information: Information about the payments you process through our Services, including payment amounts, payment methods, and transaction dates.

3.2 Usage Data

We may also collect information about how you access and use our Services, including:

• Device Information: Information about your device, including your IP address, device type, operating system, browser type, and device identifiers.
• Log Information: Information about your use of our Services, including the pages you visit, the time and date of your visit, the time spent on those pages, and other usage statistics.
• Location Information: General location information derived from your IP address.
• Cookies and Similar Technologies: Information collected through cookies and similar technologies. For more information, see our Cookie Policy section below.

3.3 Customer Data

As a payment processor, we may also collect information about your customers ("Customer Data") when they make payments to you through our Services. This information may include:

• Names, email addresses, and billing addresses
• Payment method information
• Transaction details
• Other information provided during the checkout process

You are responsible for ensuring that you have the necessary rights to share Customer Data with us and that you have provided your customers with appropriate privacy notices.

We collect information in the following ways:

• Direct Collection: Information you provide when you register for an account, fill out forms, process payments, contact customer support, or otherwise interact with our Services.
• Automated Collection: Information collected automatically when you use our Services, such as through cookies, web beacons, and other tracking technologies.
• Third-Party Sources: Information we receive from third-party sources, such as business partners, data providers, identity verification services, credit bureaus, and fraud prevention services.

We use your information for various purposes, including:

• Providing Services: To provide you with our payment processing services, including processing transactions, managing your account, and facilitating payments.
• Authentication and Verification: To verify your identity, authenticate your account, and prevent fraud or unauthorized activities.
• Communications: To communicate with you about your account, respond to your inquiries, provide customer support, and send important notices and updates.
• Improvement and Development: To improve our Services, develop new features, and enhance user experience.
• Analytics: To analyze usage patterns, track user activities, and gather demographic information about our user base.
• Marketing: To provide you with information about our products and services, if you have consented to receive such communications.
• Legal Compliance: To comply with applicable laws, regulations, and legal processes, such as responding to subpoenas or requests from government authorities.
• Fraud Prevention and Security: To detect, prevent, and address fraud, security breaches, and other harmful activities.
• Enforcement: To enforce our Terms of Service and other agreements, and to protect our rights, privacy, safety, or property, as well as those of our users and others.

We will only process your personal data when we have a legal basis to do so. The legal bases depend on the Services you use and how you use them. This means we collect and use your information only where:

• It's necessary to provide the Services you requested
• It satisfies a legitimate interest (which is not overridden by your data protection interests)
• You give us consent to do so for a specific purpose
• We need to process your data to comply with a legal obligation

We may share your information with the following categories of recipients:

• Service Providers: Third-party vendors and service providers that perform services on our behalf, such as payment processors, cloud hosting providers, data analytics providers, and customer service providers.
• Business Partners: Partners with whom we jointly offer products or services, or whose products or services may be integrated with our Services.
• Financial Institutions: Banks and financial institutions that facilitate payment processing and other financial services.
• Professional Advisors: Professional advisors, such as lawyers, auditors, and insurers, where necessary in the course of the professional services they provide to us.
• Government Authorities: Law enforcement, government authorities, regulatory agencies, and other third parties where required by law, to comply with legal processes, or to protect our rights and safety.
• Business Transfers: In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.
• With Your Consent: With your explicit consent or at your direction.

We require all third parties to respect the security of your personal data and to treat it in accordance with applicable laws. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

We are based in the United States and may process, store, and transfer the personal data we collect in countries where we operate, or where our service providers operate, which may have data protection laws that are different from those in your country.

If we transfer your personal data from the European Economic Area (EEA), United Kingdom, or Switzerland to a country not deemed to provide an adequate level of data protection, we will implement appropriate safeguards to protect your personal data, such as Standard Contractual Clauses approved by the European Commission.

By using our Services, you consent to your personal data being transferred to and processed in the United States and other countries where we and our service providers operate.

We have implemented appropriate technical and organizational measures to protect the security of your personal data. These measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and penetration testing
• Access controls and authentication procedures
• Secure network infrastructure and firewalls
• Regular employee security training

Despite our security measures, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security. In the event of a data breach that affects your personal data, we will notify you in accordance with applicable law.

We will retain your personal data only for as long as necessary to fulfill the purposes for which we collected it, including to satisfy any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider:

• The amount, nature, and sensitivity of the personal data
• The potential risk of harm from unauthorized use or disclosure
• The purposes for which we process the personal data
• Whether we can achieve those purposes through other means
• Applicable legal, regulatory, tax, accounting, or other requirements

In some circumstances, we may anonymize your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

Depending on your location, you may have certain rights regarding your personal data. These may include:

• Access: You have the right to request access to your personal data.
• Rectification: You have the right to request that we correct any inaccurate or incomplete personal data.
• Erasure: You have the right to request that we delete your personal data in certain circumstances.
• Restriction: You have the right to request that we restrict the processing of your personal data in certain circumstances.
• Data Portability: You have the right to receive a copy of your personal data in a structured, machine-readable format.
• Objection: You have the right to object to the processing of your personal data in certain circumstances.
• Withdraw Consent: If we rely on your consent to process your personal data, you have the right to withdraw that consent at any time.

To exercise these rights, please contact us at privacy@sapniverse.com. We may need to verify your identity before responding to your request.

10.1 California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect, use, disclose, and sell
• The right to request deletion of your personal information
• The right to opt-out of the sale of your personal information
• The right to non-discrimination for exercising your CCPA rights

To exercise these rights, please contact us at privacy@sapniverse.com or call our toll-free number at [Insert Toll-Free Number].

10.2 European Privacy Rights

If you are in the European Economic Area (EEA), United Kingdom, or Switzerland, you have additional rights under the General Data Protection Regulation (GDPR), including the right to lodge a complaint with a supervisory authority.

Our Services are not intended for children under the age of 18. We do not knowingly collect personal data from children under 18. If you are a parent or guardian and believe that your child has provided us with personal data, please contact us at privacy@sapniverse.com, and we will take steps to delete such information.

We use cookies and similar tracking technologies to track activity on our Services and to hold certain information. Cookies are small text files that are stored on your device when you visit a website.

We use the following types of cookies:

• Essential Cookies: Necessary for the operation of our Services. These include cookies that enable basic functions like page navigation and access to secure areas.
• Analytics Cookies: Help us understand how users interact with our Services by collecting and reporting information anonymously.
• Functionality Cookies: Enable enhanced functionality and personalization, such as remembering your preferences.
• Marketing Cookies: Used to track visitors across websites to display relevant advertisements.

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of our Services may become inaccessible or not function properly.

Our Services may contain links to third-party websites, services, or applications that are not operated or controlled by us. This Privacy Policy does not apply to such third-party services. We encourage you to review the privacy policies of any third-party services you access.

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

We encourage you to review this Privacy Policy periodically for any changes. Your continued use of the Services after the posting of changes constitutes your acceptance of such changes.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Sapniverse LLC
447 Broadway, 2nd Floor Suite #2206
New York, New York 10013
United States

Email: privacy@sapniverse.com

Last Updated: April 29, 2025