Privacy Policy

AcrossPay (“AcrossPay”, “we”, “us”, or “our”) takes your privacy seriously. This Privacy Policy explains what information we collect when you visit our website or use our mobile or browser-based applications (collectively, the “Functionality”), how we use and share that information, the choices you have, and how to contact us. Your use of the Functionality and any dispute about privacy are subject to this Policy and our Terms of Use.

Please read this Policy carefully. If you do not agree with our practices, please do not use the Functionality.

1. Quick summary

Our website is informational only, you do not need to create an account or log in to browse, and we do not collect personal data from ordinary browsing other than feedback you voluntarily submit.
The App may enable wallet creation, viewing, sending and receiving of Digital Assets, and access to third-party crypto-to-fiat services. AcrossPay itself does not custody your crypto unless you explicitly opt into a third-party custodial product; you control private keys and recovery phrases.
For crypto-to-fiat (card) payments, partners convert your crypto into fiat at point of sale; merchants receive fiat (not crypto). AcrossPay facilitates access to such partners but does not itself perform the conversion or act as a card network.
We use limited analytics and cookies to run and improve the Functionality; you may opt out of analytics where available.
We will not sell your personal information for third-party direct marketing purposes.

Our website is informational only, you do not need to create an account or log in to browse, and we do not collect personal data from ordinary browsing other than feedback you voluntarily submit.
The App may enable wallet creation, viewing, sending and receiving of Digital Assets, and access to third-party crypto-to-fiat services. AcrossPay itself does not custody your crypto unless you explicitly opt into a third-party custodial product; you control private keys and recovery phrases.
For crypto-to-fiat (card) payments, partners convert your crypto into fiat at point of sale; merchants receive fiat (not crypto). AcrossPay facilitates access to such partners but does not itself perform the conversion or act as a card network.
We use limited analytics and cookies to run and improve the Functionality; you may opt out of analytics where available.
We will not sell your personal information for third-party direct marketing purposes.

Our website is informational only, you do not need to create an account or log in to browse, and we do not collect personal data from ordinary browsing other than feedback you voluntarily submit.
The App may enable wallet creation, viewing, sending and receiving of Digital Assets, and access to third-party crypto-to-fiat services. AcrossPay itself does not custody your crypto unless you explicitly opt into a third-party custodial product; you control private keys and recovery phrases.
For crypto-to-fiat (card) payments, partners convert your crypto into fiat at point of sale; merchants receive fiat (not crypto). AcrossPay facilitates access to such partners but does not itself perform the conversion or act as a card network.
We use limited analytics and cookies to run and improve the Functionality; you may opt out of analytics where available.
We will not sell your personal information for third-party direct marketing purposes.

2. Scope and applicability

This Policy applies to information collected when you:

Visit our public website(s) (for example, acrosspay.com), and
Download, install, register for, or otherwise use our App or other software.

It does not apply to information that other parties collect independently (for example, a third-party exchange or payment partner). Your interactions with third-party services are governed by the third party’s privacy policy.

This Policy applies to information collected when you:

Visit our public website(s) (for example, acrosspay.com), and
Download, install, register for, or otherwise use our App or other software.

This Policy applies to information collected when you:

Visit our public website(s) (for example, acrosspay.com), and
Download, install, register for, or otherwise use our App or other software.

3. The information we collect

We collect information in three ways: (A) information you give us directly, (B) information collected automatically, and (C) information we receive from third parties.

A. Information you provide directly

You may provide information when you:

submit feedback or contact forms on the Site (e.g., name, email, message);
sign up for newsletters or product updates (email);
create an account or username in the App (username, avatar, profile images);
opt into third-party services that require KYC (see Section 7).

Note about KYC and sensitive personal data: For certain fiat services (including on- or off-ramps and Visa-linked card flows), our regulated third-party partners may require identity verification. If you elect to use those services, you will provide KYC data (for example, legal name, government ID, date of birth, and sometimes biometric data) directly to the partner. AcrossPay may act only as a conduit and will not retain that KYC data in our systems unless we explicitly state otherwise and obtain your consent.

B. Information collected automatically

When you use the Functionality we may collect:

Technical and usage data: device type, operating system, browser, app version, unique device identifiers, pages/screens viewed, features used, timestamps, and click paths.
Connection and routing data: IP address (used only as described below), general geographic region (country/state level), and connection metadata necessary to deliver the service.
Public blockchain data: public wallet addresses and on-chain transaction data to the extent you connect a wallet or broadcast transactions; this data is public on blockchains and is used to provide the App’s features.
Cookies and similar technologies: see Section 10.

We do not design our systems to associate your IP address with identifiable wallet addresses, usernames, or emails as a routine matter. We may, however, temporarily process or share an IP address to (a) provide the Functionality (establish network connections), (b) protect security and defend against attacks (e.g., DDoS), (c) comply with legal obligations (including sanctions), or (d) enable features you opt into. We will not use your IP address for advertising targeting.

C. Information from third parties

We may receive information from:

third-party login providers (for example, if you sign in using a social provider)
partners and service providers (for example, payment processors, analytics providers, and fraud prevention vendors), and public sources (for example, public blockchain records).

We collect information in three ways: (A) information you give us directly, (B) information collected automatically, and (C) information we receive from third parties.

A. Information you provide directly

You may provide information when you:

submit feedback or contact forms on the Site (e.g., name, email, message);
sign up for newsletters or product updates (email);
create an account or username in the App (username, avatar, profile images);
opt into third-party services that require KYC (see Section 7).

B. Information collected automatically

When you use the Functionality we may collect:

Technical and usage data: device type, operating system, browser, app version, unique device identifiers, pages/screens viewed, features used, timestamps, and click paths.
Connection and routing data: IP address (used only as described below), general geographic region (country/state level), and connection metadata necessary to deliver the service.
Public blockchain data: public wallet addresses and on-chain transaction data to the extent you connect a wallet or broadcast transactions; this data is public on blockchains and is used to provide the App’s features.
Cookies and similar technologies: see Section 10.

C. Information from third parties

We may receive information from:

third-party login providers (for example, if you sign in using a social provider)
partners and service providers (for example, payment processors, analytics providers, and fraud prevention vendors), and public sources (for example, public blockchain records).

We collect information in three ways: (A) information you give us directly, (B) information collected automatically, and (C) information we receive from third parties.

A. Information you provide directly

You may provide information when you:

submit feedback or contact forms on the Site (e.g., name, email, message);
sign up for newsletters or product updates (email);
create an account or username in the App (username, avatar, profile images);
opt into third-party services that require KYC (see Section 7).

B. Information collected automatically

When you use the Functionality we may collect:

Technical and usage data: device type, operating system, browser, app version, unique device identifiers, pages/screens viewed, features used, timestamps, and click paths.
Connection and routing data: IP address (used only as described below), general geographic region (country/state level), and connection metadata necessary to deliver the service.
Public blockchain data: public wallet addresses and on-chain transaction data to the extent you connect a wallet or broadcast transactions; this data is public on blockchains and is used to provide the App’s features.
Cookies and similar technologies: see Section 10.

C. Information from third parties

We may receive information from:

third-party login providers (for example, if you sign in using a social provider)
partners and service providers (for example, payment processors, analytics providers, and fraud prevention vendors), and public sources (for example, public blockchain records).

We collect information in three ways: (A) information you give us directly, (B) information collected automatically, and (C) information we receive from third parties.

A. Information you provide directly

You may provide information when you:

submit feedback or contact forms on the Site (e.g., name, email, message);
sign up for newsletters or product updates (email);
create an account or username in the App (username, avatar, profile images);
opt into third-party services that require KYC (see Section 7).

B. Information collected automatically

When you use the Functionality we may collect:

Technical and usage data: device type, operating system, browser, app version, unique device identifiers, pages/screens viewed, features used, timestamps, and click paths.
Connection and routing data: IP address (used only as described below), general geographic region (country/state level), and connection metadata necessary to deliver the service.
Public blockchain data: public wallet addresses and on-chain transaction data to the extent you connect a wallet or broadcast transactions; this data is public on blockchains and is used to provide the App’s features.
Cookies and similar technologies: see Section 10.

C. Information from third parties

We may receive information from:

third-party login providers (for example, if you sign in using a social provider)
partners and service providers (for example, payment processors, analytics providers, and fraud prevention vendors), and public sources (for example, public blockchain records).

4. How We Use Your Information

We use the information we collect for these purposes:

Provide and operate the Functionality :To deliver the services you request (e.g., display wallet balances, process transactions, enable on/off ramp flows).
Support and communications : To respond to inquiries, provide customer support, and send transactional notices about your use of the App.
Security and fraud prevention : To monitor, detect, and prevent fraudulent or illegal activity, protect our systems, and enforce our Terms.
Product improvement and research : To understand how the Functionality is used, fix bugs, improve features, and develop new products. Aggregate/de-identified data may be used for analytics and benchmarking.
Marketing and offers (with consent) : To send promotional messages if you opt in; you may opt out at any time.
Legal compliance : To comply with applicable law, respond to lawful requests by public authorities, or as necessary in litigation or governmental investigations.
Business operations : To manage our business, including accounting, auditing, and corporate transactions (e.g., M&A).

We will only use KYC or identity data received via partners in the manner disclosed to you and permitted by applicable law and your consent.

We use the information we collect for these purposes:

Provide and operate the Functionality :To deliver the services you request (e.g., display wallet balances, process transactions, enable on/off ramp flows).
Support and communications : To respond to inquiries, provide customer support, and send transactional notices about your use of the App.
Security and fraud prevention : To monitor, detect, and prevent fraudulent or illegal activity, protect our systems, and enforce our Terms.
Product improvement and research : To understand how the Functionality is used, fix bugs, improve features, and develop new products. Aggregate/de-identified data may be used for analytics and benchmarking.
Marketing and offers (with consent) : To send promotional messages if you opt in; you may opt out at any time.
Legal compliance : To comply with applicable law, respond to lawful requests by public authorities, or as necessary in litigation or governmental investigations.
Business operations : To manage our business, including accounting, auditing, and corporate transactions (e.g., M&A).

We will only use KYC or identity data received via partners in the manner disclosed to you and permitted by applicable law and your consent.

We use the information we collect for these purposes:

Provide and operate the Functionality :To deliver the services you request (e.g., display wallet balances, process transactions, enable on/off ramp flows).
Support and communications : To respond to inquiries, provide customer support, and send transactional notices about your use of the App.
Security and fraud prevention : To monitor, detect, and prevent fraudulent or illegal activity, protect our systems, and enforce our Terms.
Product improvement and research : To understand how the Functionality is used, fix bugs, improve features, and develop new products. Aggregate/de-identified data may be used for analytics and benchmarking.
Marketing and offers (with consent) : To send promotional messages if you opt in; you may opt out at any time.
Legal compliance : To comply with applicable law, respond to lawful requests by public authorities, or as necessary in litigation or governmental investigations.
Business operations : To manage our business, including accounting, auditing, and corporate transactions (e.g., M&A).

We will only use KYC or identity data received via partners in the manner disclosed to you and permitted by applicable law and your consent.

5. Crypto-to-fiat / Card flows and data sharing

When you use a crypto-to-fiat feature (for example, a Visa-linked flow or partner card):

Conversion and routing : A partner or market maker typically converts your crypto into fiat at the time of purchase; the resulting fiat payment is routed through a card network so the merchant receives fiat, not crypto.
What we share : To enable these flows, we (or our partners) may share transaction details and the information you provided to enable the transaction (for example, wallet address, transaction amount, and, where required, KYC identifiers) with partner banks, card issuers, card networks (e.g., Visa), and regulatory entities as required.
Who stores what : KYC and identity checks are normally performed and stored by the regulated partner; AcrossPay will not retain that partner’s KYC records in our systems unless we explicitly notify you and obtain consent.
Fees & settlement : Conversion rates, fees, and settlement timing are determined by the partners; AcrossPay displays estimated amounts but is not responsible for the partner’s execution or final settlement.

When you use a crypto-to-fiat feature (for example, a Visa-linked flow or partner card):

Conversion and routing : A partner or market maker typically converts your crypto into fiat at the time of purchase; the resulting fiat payment is routed through a card network so the merchant receives fiat, not crypto.
What we share : To enable these flows, we (or our partners) may share transaction details and the information you provided to enable the transaction (for example, wallet address, transaction amount, and, where required, KYC identifiers) with partner banks, card issuers, card networks (e.g., Visa), and regulatory entities as required.
Who stores what : KYC and identity checks are normally performed and stored by the regulated partner; AcrossPay will not retain that partner’s KYC records in our systems unless we explicitly notify you and obtain consent.
Fees & settlement : Conversion rates, fees, and settlement timing are determined by the partners; AcrossPay displays estimated amounts but is not responsible for the partner’s execution or final settlement.

When you use a crypto-to-fiat feature (for example, a Visa-linked flow or partner card):

Conversion and routing : A partner or market maker typically converts your crypto into fiat at the time of purchase; the resulting fiat payment is routed through a card network so the merchant receives fiat, not crypto.
What we share : To enable these flows, we (or our partners) may share transaction details and the information you provided to enable the transaction (for example, wallet address, transaction amount, and, where required, KYC identifiers) with partner banks, card issuers, card networks (e.g., Visa), and regulatory entities as required.
Who stores what : KYC and identity checks are normally performed and stored by the regulated partner; AcrossPay will not retain that partner’s KYC records in our systems unless we explicitly notify you and obtain consent.
Fees & settlement : Conversion rates, fees, and settlement timing are determined by the partners; AcrossPay displays estimated amounts but is not responsible for the partner’s execution or final settlement.

6. How we share information

We may disclose your information in the following circumstances:

With your consent or direction : When you ask us to share information (for example, to complete a transaction with a third party).
Service providers and vendors : To providers who perform services on our behalf (e.g., hosting, analytics, fraud detection, customer support). They are authorized to use your data only as necessary to provide services to AcrossPay.
Payment and on/off-ramp partners : To banks, card issuers, exchanges, market makers, and other partners required to execute crypto-to-fiat flows or settlements.
Affiliates and corporate transactions : With related entities or in the context of a merger, acquisition, or sale of assets.
Legal and safety reasons : To comply with legal obligations, respond to lawful requests by public authorities, enforce our Terms, or protect the rights, property, or safety of AcrossPay, our users, or the public.
Aggregate or de-identified data : We may publish or share non-identifiable aggregated information for research, marketing, or product improvement. We will not attempt to re-identify such data.

We do not sell your personal information for third-party direct marketing. We will not disclose personal data for targeted advertising purposes except as expressly stated in this Policy and only where lawful.

We may disclose your information in the following circumstances:

With your consent or direction : When you ask us to share information (for example, to complete a transaction with a third party).
Service providers and vendors : To providers who perform services on our behalf (e.g., hosting, analytics, fraud detection, customer support). They are authorized to use your data only as necessary to provide services to AcrossPay.
Payment and on/off-ramp partners : To banks, card issuers, exchanges, market makers, and other partners required to execute crypto-to-fiat flows or settlements.
Affiliates and corporate transactions : With related entities or in the context of a merger, acquisition, or sale of assets.
Legal and safety reasons : To comply with legal obligations, respond to lawful requests by public authorities, enforce our Terms, or protect the rights, property, or safety of AcrossPay, our users, or the public.
Aggregate or de-identified data : We may publish or share non-identifiable aggregated information for research, marketing, or product improvement. We will not attempt to re-identify such data.

We may disclose your information in the following circumstances:

With your consent or direction : When you ask us to share information (for example, to complete a transaction with a third party).
Service providers and vendors : To providers who perform services on our behalf (e.g., hosting, analytics, fraud detection, customer support). They are authorized to use your data only as necessary to provide services to AcrossPay.
Payment and on/off-ramp partners : To banks, card issuers, exchanges, market makers, and other partners required to execute crypto-to-fiat flows or settlements.
Affiliates and corporate transactions : With related entities or in the context of a merger, acquisition, or sale of assets.
Legal and safety reasons : To comply with legal obligations, respond to lawful requests by public authorities, enforce our Terms, or protect the rights, property, or safety of AcrossPay, our users, or the public.
Aggregate or de-identified data : We may publish or share non-identifiable aggregated information for research, marketing, or product improvement. We will not attempt to re-identify such data.

7. KYC, regulated services and legal obligations

Some features (for example, fiat on/off-ramps, card issuance, or enhanced fiat limits) require identity verification under applicable law. If you opt into such features, we will direct you to a regulated partner that will collect, verify, and retain KYC information. AcrossPay may act as a facilitator of that process and will share the minimal information required to complete KYC checks. We do not retain partner KYC records unless we explicitly say so.

We may retain and disclose information to comply with anti-money-laundering, counter-terrorist financing, sanctions, tax, or other legal requirements. We may block or refuse transactions that we reasonably suspect violate law or our policies.

8. Cookies and tracking technologies

We and our service providers use cookies, local storage, mobile identifiers, and similar technologies to operate and improve the Functionality.

Cookies used: session cookies (temporary, deleted when your session ends) and persistent cookies (remain between sessions for analytics and settings).
Purpose: to remember preferences, analyze usage, diagnose problems, and enable features.
Third-party analytics: we use analytics providers to measure performance and usage (these providers may set cookies). You may opt out of analytics where offered; consult your device/browser settings to control cookies. Disabling cookies may reduce or prevent access to certain features.

We currently do not honor automatic browser “Do Not Track” signals.

We and our service providers use cookies, local storage, mobile identifiers, and similar technologies to operate and improve the Functionality.

Cookies used: session cookies (temporary, deleted when your session ends) and persistent cookies (remain between sessions for analytics and settings).
Purpose: to remember preferences, analyze usage, diagnose problems, and enable features.
Third-party analytics: we use analytics providers to measure performance and usage (these providers may set cookies). You may opt out of analytics where offered; consult your device/browser settings to control cookies. Disabling cookies may reduce or prevent access to certain features.

We currently do not honor automatic browser “Do Not Track” signals.

We and our service providers use cookies, local storage, mobile identifiers, and similar technologies to operate and improve the Functionality.

Cookies used: session cookies (temporary, deleted when your session ends) and persistent cookies (remain between sessions for analytics and settings).
Purpose: to remember preferences, analyze usage, diagnose problems, and enable features.
Third-party analytics: we use analytics providers to measure performance and usage (these providers may set cookies). You may opt out of analytics where offered; consult your device/browser settings to control cookies. Disabling cookies may reduce or prevent access to certain features.

We currently do not honor automatic browser “Do Not Track” signals.

9. Data Retention

We retain personal data only for as long as necessary to provide the Functionality, comply with legal obligations, resolve disputes, enforce our agreements, and for legitimate business purposes (for example, analytics). Retention periods vary by the type of data and the applicable legal requirements. Where we aggregate or de-identify data, we may retain it indefinitely.

10. Your rights and choices

Depending on your jurisdiction, you may have rights regarding your personal information:

Access and portability : Request a copy of the personal information we hold about you.
Correction : Ask us to correct inaccurate personal information.
Deletion : Request deletion of your personal information (subject to legal exceptions).
Restriction / objection : In certain circumstances, request that we restrict or object to processing.
Opt-out of marketing : You can opt out of promotional emails or notifications by following the instructions in those communications or by contacting us.
Opt-out of profiling/analytics : Where offered, you can opt out of analytics tracking.

To exercise rights, email privacy@acrosspay.com and include enough information to identify yourself and your request. We may ask for information to verify your identity. We will respond in accordance with applicable law. If you live in the EU/UK, you may also lodge a complaint with your local data protection authority.

Depending on your jurisdiction, you may have rights regarding your personal information:

Access and portability : Request a copy of the personal information we hold about you.
Correction : Ask us to correct inaccurate personal information.
Deletion : Request deletion of your personal information (subject to legal exceptions).
Restriction / objection : In certain circumstances, request that we restrict or object to processing.
Opt-out of marketing : You can opt out of promotional emails or notifications by following the instructions in those communications or by contacting us.
Opt-out of profiling/analytics : Where offered, you can opt out of analytics tracking.

Depending on your jurisdiction, you may have rights regarding your personal information:

Access and portability : Request a copy of the personal information we hold about you.
Correction : Ask us to correct inaccurate personal information.
Deletion : Request deletion of your personal information (subject to legal exceptions).
Restriction / objection : In certain circumstances, request that we restrict or object to processing.
Opt-out of marketing : You can opt out of promotional emails or notifications by following the instructions in those communications or by contacting us.
Opt-out of profiling/analytics : Where offered, you can opt out of analytics tracking.

11. Special notices by region

European Economic Area / United Kingdom / Switzerland  

Legal bases: We process personal data under lawful bases such as contractual necessity, legitimate interests, legal obligation, or your consent. When consent is the basis, you may withdraw it.
International transfers: Data may be transferred to and stored in countries with different data protection laws (including the U.S.). We use appropriate safeguards (for example, standard contractual clauses) where required.

California (CCPA/CPRA) and select U.S. states  

Categories and uses: See Sections 3–6 for categories of personal information collected and purposes of use.
Do not sell / sharing for cross-context behavioral advertising: We do not sell personal information for third-party direct marketing or share it for cross-context behavioral advertising.
Opt-out & rights: California residents may request access, deletion, and opt-out of certain disclosures by contacting privacy@acrosspay.com.

Canada  

By providing information you consent to cross-border transfer, processing, and storage in accordance with this Policy. You may withdraw consent where permitted by law, subject to consequences for Service availability.

India  

We process data necessary to provide services and comply with local legal requirements. Certain fiat features may be restricted or subject to partner KYC as required by Indian law.

If local law provides stronger rights or different rules, those local rules will apply.

European Economic Area / United Kingdom / Switzerland  

Legal bases: We process personal data under lawful bases such as contractual necessity, legitimate interests, legal obligation, or your consent. When consent is the basis, you may withdraw it.
International transfers: Data may be transferred to and stored in countries with different data protection laws (including the U.S.). We use appropriate safeguards (for example, standard contractual clauses) where required.

California (CCPA/CPRA) and select U.S. states  

Categories and uses: See Sections 3–6 for categories of personal information collected and purposes of use.
Do not sell / sharing for cross-context behavioral advertising: We do not sell personal information for third-party direct marketing or share it for cross-context behavioral advertising.
Opt-out & rights: California residents may request access, deletion, and opt-out of certain disclosures by contacting privacy@acrosspay.com.

Canada  

By providing information you consent to cross-border transfer, processing, and storage in accordance with this Policy. You may withdraw consent where permitted by law, subject to consequences for Service availability.

India  

We process data necessary to provide services and comply with local legal requirements. Certain fiat features may be restricted or subject to partner KYC as required by Indian law.

If local law provides stronger rights or different rules, those local rules will apply.

European Economic Area / United Kingdom / Switzerland  

Legal bases: We process personal data under lawful bases such as contractual necessity, legitimate interests, legal obligation, or your consent. When consent is the basis, you may withdraw it.
International transfers: Data may be transferred to and stored in countries with different data protection laws (including the U.S.). We use appropriate safeguards (for example, standard contractual clauses) where required.

California (CCPA/CPRA) and select U.S. states  

Categories and uses: See Sections 3–6 for categories of personal information collected and purposes of use.
Do not sell / sharing for cross-context behavioral advertising: We do not sell personal information for third-party direct marketing or share it for cross-context behavioral advertising.
Opt-out & rights: California residents may request access, deletion, and opt-out of certain disclosures by contacting privacy@acrosspay.com.

Canada  

By providing information you consent to cross-border transfer, processing, and storage in accordance with this Policy. You may withdraw consent where permitted by law, subject to consequences for Service availability.

India  

We process data necessary to provide services and comply with local legal requirements. Certain fiat features may be restricted or subject to partner KYC as required by Indian law.

If local law provides stronger rights or different rules, those local rules will apply.

12. Security

We use administrative, technical and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, or alteration. These measures include encryption in transit, access controls, monitoring, and vendor due diligence. No system is perfect; we cannot guarantee absolute security. If a security incident affects your personal data, we will comply with applicable breach notification laws.

13. Children

The Functionality is not intended for children under the age of majority in their jurisdiction. We do not knowingly collect personal information from children. If you believe we have collected data from a child without appropriate consent, contact us at privacy@acrosspay.com and we will take steps to remove it.

14. Business transfers

If AcrossPay is involved in a merger, acquisition, reorganization, or sale of assets, personal information may be transferred as part of that transaction. We will notify you and apply appropriate safeguards as required by law.

15. Third-party links and services

The Functionality may link to third-party websites or integrate third-party services. We are not responsible for the privacy practices of those third parties. Review third-party privacy notices before providing personal data.

16. Changes to this Policy

We may update this Policy. When we make material changes we will revise the “Last updated” date and, where appropriate, provide additional notice (for example, in the App or by email). We encourage you to review this Policy periodically.

17. Contact us

If you have questions, want to exercise rights, or submit a complaint, contact us:  

Email: privacy@acrosspay.com
Mail (for legal notices): [AcrossPay Legal Dept — address placeholder — we will publish a registered address on the Site]

If you are not satisfied with our response, you may have the right to lodge a complaint with your local data protection authority.

If you have questions, want to exercise rights, or submit a complaint, contact us:  

Email: privacy@acrosspay.com
Mail (for legal notices): [AcrossPay Legal Dept — address placeholder — we will publish a registered address on the Site]

If you are not satisfied with our response, you may have the right to lodge a complaint with your local data protection authority.

If you have questions, want to exercise rights, or submit a complaint, contact us:  

Email: privacy@acrosspay.com
Mail (for legal notices): [AcrossPay Legal Dept — address placeholder — we will publish a registered address on the Site]

If you are not satisfied with our response, you may have the right to lodge a complaint with your local data protection authority.

18. How to exercise rights / authorized agents

To submit a request on behalf of someone else, provide documentation that you are authorized to act (such as a power of attorney or signed consent). We may take steps to verify identity before fulfilling requests.

19. No sale or targeted ad sharing

AcrossPay does not sell your personal information for third-party direct marketing. We do not share personal data for cross-context behavioral advertising as those terms are commonly understood under state privacy laws.

20. Acknowledgement

By using the Functionality you acknowledge that you have read and understood this Privacy Policy and consent to our collection, use, and disclosure of personal information as described herein (subject to any rights you may exercise under applicable law).