POSIQO

Privacy Policy – POSIQO Card and Payments

POSIQO is a product of Codide. This Privacy Policy explains how Codide collects, uses, stores, and protects information when you use the POSIQO app and related services.

POSIQO (“we”, “our”, “us”) cares about your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use POSIQO Card and our payment services. By using our platform, you consent to the practices described here.

1. Information We Collect

Information you provide: Name, email, mobile number, address, card number (masked/stored as per compliance), support queries, and feedback.
Transaction data: Recharge amounts, timestamps, payment method, order IDs, and status.
Technical data: IP address, device info, browser type, operating system, app version, and usage analytics.
From third parties: KYC/verification partners, payment gateways, and service providers for fraud prevention and compliance.

2. How We Use Your Information

To process recharges, payments, refunds, and service requests.
To provide customer support and resolve disputes.
To improve features, performance, and user experience.
To send alerts, confirmations, and service-related notifications.
To prevent fraud, enforce Terms of Use, and comply with law.
With your consent, to send promotions and updates (you may opt out anytime).

3. Cookies & Tracking Technologies

We use cookies, pixels, and similar technologies to remember your preferences, secure your session, and analyze usage. You can control cookies via your browser settings, but some features may not work properly if disabled.

4. Payments & Card Data

Payments are processed through compliant gateways. Sensitive payment data (like full card details) is handled by PCI-DSS–compliant providers. We may store masked card references or tokens for faster and secure transactions.

5. Sharing of Information

Service Providers: Payment gateways, KYC/verification, analytics, cloud hosting, and support tools—only as needed to provide our services.
Legal & Compliance: To comply with applicable laws, lawful requests, and to protect rights, safety, and security.
Business Transfers: In connection with a merger, acquisition, or asset sale, subject to the same privacy commitments.
We do not sell your personal information.

6. Data Retention

We retain information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary by data type and regulatory requirements.

7. Data Security

We implement administrative, technical, and physical safeguards to protect your data. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

8. Your Rights

Access, correct, or update your information.
Request deletion where legally permissible.
Opt out of marketing communications at any time.
Withdraw consent where processing is based on consent.

To exercise rights, contact us using the details below. We may need to verify your identity before acting on your request.

9. Children’s Privacy

POSIQO is not intended for individuals under 18. We do not knowingly collect data from minors. If you believe a minor has provided data, please contact us to delete it.

10. International Transfers

Your information may be processed and stored in locations outside your country. We take appropriate measures to protect data in line with applicable laws.

11. Third-Party Links

Our platform may link to third-party websites or services. Their privacy practices are beyond our control; please review their policies before providing personal information.

12. Changes to This Policy

We may update this Policy from time to time. Material changes will be notified via email or prominent in-app notice. Continued use after changes indicates acceptance.