Privacy Policy
Effective Date: 10 April 2025
Last Updated: N/A
1. Introduction
This Privacy Policy explains how Stable Payments Inc. (hereinafter
referred to as "AutoSpend") collects, uses, discloses, and protects
user data when accessing our website and using our cross-border
payment services. We are committed to complying with applicable
privacy laws, including the California Consumer Privacy Act (CCPA),
General Data Protection Regulation (GDPR), and U.S. federal and
state laws.
2. Information We Collect
2.1. Information You Provide
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Account Information: Name, email, phone number, business details
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KYC Data: Government-issued ID, proof of address, financial
details
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Transaction Data: Payment details, stablecoin transactions,
settlement history
2.2. Information We Automatically Collect
- Device Data: IP address, browser type, operating system
- Usage Data: Log files, cookies, and tracking technologies
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Geolocation Data: As required for fraud prevention and compliance
2.3. Third-Party Data Collection
We may collect information from:
- Financial institutions and partners
- Compliance and fraud prevention services
- Publicly available sources
3. How We Use Your Information
We use collected data for the following purposes:
- Account Management: Creating and maintaining user accounts
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Transaction Processing: Facilitating cross-border stablecoin
payments
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Regulatory Compliance: KYC/AML/CFT checks under U.S. and
international laws
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Fraud Prevention: Detecting suspicious transactions and security
threats
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Marketing & Communication: Sending service updates, promotions,
and policy changes
-
Legal Obligations: Responding to legal requests and enforcement
authorities
4. Sharing of Information
We do not sell personal data. However, we may share information
with:
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Regulatory Authorities: As required under the Bank Secrecy Act
(BSA), USA PATRIOT Act, FinCEN, OFAC, and FATF guidelines
-
Financial Institutions & Payment Processors: To facilitate
transactions
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Third-Party Service Providers: For identity verification, fraud
detection, and cybersecurity
-
Law Enforcement: In response to subpoenas, legal claims, or to
prevent fraud
5. Data Security Measures
We implement industry-standard security measures to protect user
data:
- Encryption: Securing data in transit and at rest
- Access Controls: Restricted access to sensitive information
- Regular Audits: Compliance reviews and penetration testing
-
Incident Response: Rapid response protocols for data breaches
6. Your Rights & Choices
6.1. Under GDPR (for EU Users)
- Right to access, correct, or delete personal data
- Right to restrict or object to data processing
- Right to data portability
- Right to withdraw consent
6.2. Under CCPA (for California Residents)
- Right to know what data we collect and how it's used
- Right to request deletion of personal information
- Right to opt-out of data sharing
To exercise these rights, contact us at:
[email protected]
7. Data Retention
We retain user data for as long as required by:
- Legal and regulatory obligations
- Fraud detection and risk management needs
- Business operations and dispute resolution
8. Cookies & Tracking Technologies
We use cookies to improve website performance, enhance security, and
analyze traffic. Users can manage cookie preferences through browser
settings or our Cookie Policy.
9. International Data Transfers
Data may be processed outside the U.S. in compliance with
international data transfer mechanisms, including Standard
Contractual Clauses (SCCs) and Privacy Shield Frameworks.
10. Updates to This Privacy Policy
We may update this policy periodically. Users will be notified of
material changes through email or website updates.
11. Contact Information
For privacy-related inquiries, contact:
[email protected]
By using our services, you consent to the data practices outlined in
this Privacy Policy.