Privacy Policy

Welcome to Paycul ("Paycul," "we," "our," or "us").

Your privacy is important to us. This Privacy Policy explains how we collect, use, store, disclose, and protect your personal information when you access or use the Paycul website, mobile applications, APIs, and related services (collectively, the "Platform").

Paycul is a trusted digital marketplace that enables buyers and sellers to securely exchange digital products and services through an escrow-based transaction system. To operate safely and comply with applicable laws, we collect certain information about our users.

By creating an account or using Paycul, you acknowledge that you have read and understood this Privacy Policy.

If you do not agree with this Privacy Policy, you should discontinue use of the Platform.

This Privacy Policy applies to:

• The Paycul website
• Paycul mobile applications
• Seller shops hosted on Paycul
• Customer support services
• Marketing communications from Paycul
• Payment and escrow services provided through the Platform

This Privacy Policy does not apply to third-party websites, services, or payment providers that operate independently of Paycul.

• Personal Information means any information that identifies or can reasonably identify an individual.
• Processing means any operation performed on personal information, including collection, storage, use, disclosure, deletion, or analysis.
• User means any person who accesses or uses Paycul.
• Buyer means a user purchasing digital products or services.
• Seller means a user listing or selling digital products or services.
• Wallet means the digital account balance maintained on Paycul.
• Escrow means Paycul's secure payment holding service used to protect marketplace transactions.
• KYC means identity verification procedures used to confirm user identities and comply with legal obligations.

The information we collect depends on how you use Paycul.

4.1 Information You Provide

Account Information

• Full name
• Username
• Email address
• Phone number
• Password (stored in encrypted form)
• Profile photograph (optional)
• Country of residence
• Preferred language

Business Information

If you operate as a business, we may collect:

• Business name and registration details
• Tax identification information where required
• Business address
• Authorized representative information

Identity Verification Information (KYC)

Where verification is required, we may collect:

• Government-issued identification documents
• Selfie or facial verification images
• National Identification Number (where applicable)
• Passport information
• Driver's license information
• Proof of address
• Date of birth
• Verification status

Identity verification data is used solely for security, fraud prevention, regulatory compliance, and account protection.

Wallet and Payment Information

• Payment method details
• Bank account information
• Mobile money information
• Cryptocurrency wallet address (where supported)
• Transaction reference numbers and payment confirmations

For security reasons, Paycul does not intentionally store complete payment card numbers unless required through approved payment partners.

Marketplace Information

• Product listings, descriptions, uploaded files, and screenshots
• Pricing information and seller shop details
• Purchase history, sales history, and order records
• Refund requests, dispute submissions, reviews, and ratings

Communications

We collect communications made through the Platform, including messages between buyers and sellers, customer support conversations, feedback, survey responses, and reports of abuse or policy violations. These help us resolve disputes, improve services, investigate fraud, and enforce our policies.

When you use Paycul, certain information is collected automatically:

• Device Information: Device model, operating system, browser type and version, screen resolution, device identifiers, mobile application version
• Network Information: IP address, internet service provider, approximate location based on IP, time zone, language preferences
• Usage Information: Pages visited, listings viewed, search terms, products purchased, time spent on pages, features used, click activity, navigation paths
• Log Information: Login attempts, logout events, password reset requests, failed authentication attempts, device changes, security alerts, error reports

Paycul uses cookies and similar technologies to improve your experience. These technologies help us:

• Keep you signed in and remember your preferences
• Protect your account and analyze traffic
• Improve platform performance and prevent fraud
• Personalize content where appropriate

Users may control certain cookie preferences through browser settings, although disabling essential cookies may affect Platform functionality. Additional information is available in our Cookie Policy.

We use personal information only for legitimate business purposes, including:

• Operating the Platform: Create and manage accounts, authenticate users, process purchases, deliver digital products, operate escrow transactions, manage wallets, process withdrawals, and provide customer support.
• Security: Detect fraud, prevent unauthorized access, investigate suspicious activity, protect buyers and sellers, enforce our Terms and policies, and secure user accounts.
• Identity Verification: Confirm user identities, meet legal and regulatory obligations, prevent identity theft, reduce financial crime, and protect marketplace integrity.
• Improving Paycul: Improve platform performance, develop new features, understand user behavior, resolve technical issues, and measure service quality. Where possible, we use aggregated or anonymized data for analytics and product development.
• Communication: Send account notifications, confirm transactions, notify you of disputes or return requests, provide security alerts, respond to support requests, inform you about policy updates, and send service-related announcements.
• Legal Compliance: Comply with applicable laws and regulations, respond to lawful requests from authorities, enforce our legal rights, prevent fraud and abuse, resolve disputes, and maintain accurate business records.

Where applicable under relevant data protection laws, Paycul processes personal information based on one or more of the following legal grounds:

• Your consent
• Performance of a contract with you
• Compliance with legal obligations
• Protection of vital interests
• Legitimate business interests, provided such interests do not override your fundamental rights and freedoms

Where consent is required, you may withdraw it at any time. Withdrawal of consent will not affect the lawfulness of processing carried out before the withdrawal.

Paycul values your privacy and does not sell your personal information to third parties. We only share information when it is necessary to operate the Platform, comply with legal obligations, protect users, or provide requested services.

9.1 Information Shared With Other Users

Sellers may see: your username, public profile information, order details, transaction status, messages exchanged through Paycul, and reviews you leave. Sellers will not receive your payment card information or sensitive identity verification documents.

Buyers may see: seller username, shop name, public profile image, seller ratings, reviews, product listings, sales statistics where displayed, and verification badges.

9.2 Payment Providers

To process payments and withdrawals, Paycul works with trusted third-party payment providers for wallet funding, escrow deposits, withdrawals, currency conversion, payment verification, and fraud screening. Payment providers process your financial information according to their own privacy policies.

9.3 Identity Verification Providers

To verify user identities and prevent fraud, Paycul may work with third-party identity verification providers. Verification providers are contractually required to protect your information and use it only for authorized verification purposes.

9.4 Service Providers

Paycul works with trusted vendors who assist in operating the Platform, including providers of cloud hosting, data storage, email delivery, SMS notifications, customer support, security monitoring, fraud prevention, analytics, error monitoring, file storage, and search services. These providers receive only the information necessary to perform their services on our behalf.

9.5 Legal Compliance

We may disclose personal information where required to comply with applicable laws, respond to lawful government requests, comply with court orders, protect public safety, enforce our Terms of Service, investigate fraud, or defend legal claims. Whenever reasonably possible, we seek to limit disclosures to only the information necessary for the specific legal purpose.

9.6 Business Transfers

If Paycul is involved in a merger, acquisition, financing, restructuring, sale of assets, or similar corporate transaction, user information may be transferred as part of that transaction. If ownership changes significantly, users will be notified where required by applicable law.

Paycul is designed to minimize the storage of sensitive financial information. We may retain records relating to wallet balances, escrow transactions, deposits, withdrawals, refunds, referral rewards, promotional credits, and transaction identifiers. Sensitive payment information is handled through approved payment partners using industry-standard security measures.

To protect the marketplace and comply with applicable laws, Paycul may request identity verification. Verification information may be used to confirm identity, prevent fraud, detect duplicate accounts, comply with anti-money laundering obligations, protect buyers and sellers, and process withdrawals.

Verification information is accessible only to authorized personnel and trusted verification providers with a legitimate business need. Where legally permitted, verification information may be securely deleted after retention requirements expire.

Protecting the integrity of the Platform is one of our highest priorities. We may analyze account activity to detect unauthorized logins, suspicious transactions, account takeovers, fake identities, referral abuse, chargeback fraud, escrow manipulation, unusual device activity, and automated abuse.

These checks may be performed automatically or through manual review by authorized Paycul personnel. Where suspicious activity is detected, we may request additional verification, temporarily restrict account activity, or suspend access while an investigation is conducted.

Paycul uses analytics tools to understand how users interact with the Platform, measuring page performance, search effectiveness, feature usage, transaction success rates, error frequency, user engagement, and platform stability.

Whenever practical, analytics data is aggregated or anonymized to reduce the identification of individual users.

• Essential Cookies: Keep users logged in, authenticate sessions, protect accounts, remember security settings. These are necessary for the Platform to function properly.
• Performance Cookies: Understand which pages perform well, which features require improvement, and overall platform usage trends.
• Functional Cookies: Remember preferred language, theme preferences, notification settings, and recently viewed items.
• Security Technologies: Detect bots, prevent spam, identify suspicious behavior, protect against automated attacks, and improve account security.

Further details are available in our Cookie Policy.

If you choose to receive marketing communications, Paycul may send information about new features, marketplace updates, promotional campaigns, referral opportunities, product announcements, educational content, and security recommendations.

Users may opt out of promotional emails at any time using the unsubscribe link included in those communications or by updating their account preferences. Opting out of marketing communications does not affect important service-related messages such as password resets, transaction confirmations, security alerts, or legal notices.

The Platform may integrate with or link to third-party services for payment processing, identity verification, email delivery, SMS notifications, customer support tools, analytics providers, and cloud hosting providers.

These third parties operate under their own privacy practices. While we carefully select our service providers, Paycul is not responsible for the privacy practices of independent third-party websites or services that are not under our control.

Paycul may store or process information in countries other than the country where you reside. Where international transfers occur, we take reasonable steps to ensure that personal information continues to receive an appropriate level of protection consistent with applicable data protection laws, including contractual safeguards, technical protections, and organizational security controls.

Paycul retains personal information only for as long as it is reasonably necessary to provide our services, complete marketplace transactions, resolve disputes, detect and prevent fraud, comply with legal and regulatory obligations, enforce our Terms of Service, and protect the security and integrity of the Platform.

When information is no longer required, Paycul will securely delete, anonymize, or otherwise dispose of it in accordance with applicable laws and our internal retention policies.

Protecting your information is one of our highest priorities. Paycul maintains administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, disclosure, alteration, or destruction. Our security measures include:

• Encryption of sensitive information during transmission
• Encryption of passwords using secure hashing algorithms
• Multi-layer authentication controls
• Secure cloud infrastructure with firewall protection
• Continuous security monitoring and fraud detection systems
• Access controls based on job responsibilities
• Regular security updates and vulnerability management
• Backup and disaster recovery procedures

While we strive to use commercially reasonable security measures, no internet-based service can guarantee absolute security. Users also play an important role in protecting their accounts by using strong passwords, enabling available security features, and safeguarding their login credentials.

Depending on your country of residence and applicable law, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate or incomplete information
• Update your account information
• Request deletion of certain personal information
• Object to certain types of processing
• Restrict specific processing activities
• Withdraw consent where processing is based on consent
• Request a copy of your personal information in a portable format where technically feasible
• Lodge a complaint with an appropriate data protection authority where applicable

Paycul may request verification of your identity before processing privacy-related requests. Certain requests may be declined where required to comply with legal obligations, prevent fraud, protect other users, or preserve the integrity of ongoing investigations.

Users may request permanent deletion of their Paycul account through the Platform or by contacting our support team. Before an account can be deleted, certain conditions may apply:

• Completion of all pending transactions
• Resolution of active disputes
• Settlement of outstanding balances or obligations
• Compliance with applicable legal and regulatory requirements

When an account is deleted, public profile information will generally no longer be visible, access will be removed, active listings will be taken offline, and future logins will no longer be possible. However, Paycul may retain certain information where necessary to comply with legal obligations, prevent fraud, resolve disputes, maintain financial records, enforce our Terms of Service, or protect the rights and security of our users and the Platform.

Deleted accounts may not always be recoverable.

Paycul is intended for individuals who have reached the age of majority in their jurisdiction or who are otherwise legally permitted to enter into binding agreements. We do not knowingly collect personal information from children where prohibited by applicable law.

If we become aware that personal information has been collected from a child without appropriate authorization, we will take reasonable steps to remove that information and, where appropriate, close the associated account. Parents or legal guardians who believe that a child has provided personal information to Paycul may contact us so that appropriate action can be taken.

The Platform may contain links to third-party websites, applications, or services for your convenience. These third parties operate independently of Paycul and maintain their own privacy practices. Paycul is not responsible for the content, security, or privacy practices of third-party websites or services that we do not control.

Paycul may update this Privacy Policy from time to time to reflect changes in applicable laws, new Platform features, improvements to security practices, updates to our business operations, or changes in the third-party services we use.

When material changes are made, we will provide reasonable notice through the Platform, by email, or through other appropriate communication channels where required. The "Last Updated" date at the top of this Privacy Policy indicates the most recent revision.

Your continued use of Paycul after the updated Privacy Policy becomes effective constitutes your acknowledgment of the revised policy.

If you have questions, concerns, or requests relating to this Privacy Policy or our handling of your personal information, please contact us:

• Paycul Desk Team
• Email: payculdesk@gmail.com
• Website: paycul.com/contact
• Help Center: paycul.com/help-center

At Paycul, trust is the foundation of every transaction. We are committed to handling personal information responsibly, maintaining strong security standards, respecting user privacy, and continuously improving our practices to create a safe and reliable digital marketplace for buyers and sellers.

We believe that transparency, accountability, and security are essential to building long-term confidence in our Platform, and we remain dedicated to protecting the information entrusted to us.