Privacy Policy

Identity and Contact Information

When you create an account or join the Instapay waitlist, we may collect your name, email address, phone number, date of birth, and government-issued identification information. If real-money services become available, we may also collect additional identity verification information required by applicable law, including information needed to comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.

Device and Usage Information

When you visit our website or use our platform, we may automatically collect information about your device, browser type, operating system, IP address, pages visited, time spent on pages, and other usage data. This information helps us understand how people use our platform and improve our services.

Bank-Linking Information (If Enabled in the Future)

If bank account linking becomes available, Instapay intends to use a secure, user-permissioned bank-linking provider, subject to partner approval. Through such a provider, we may receive information about your bank account, including account type, account number (in tokenized form), routing number, and transaction history necessary to facilitate transfers. Instapay will not ask you to provide your bank login credentials directly. The availability of bank-linking features is subject to partner, bank, compliance, and regulatory approval.

Instapay uses the information we collect for the following purposes: • To create and manage your account and respond to your requests • To verify your identity and comply with applicable legal and regulatory requirements • To communicate with you about your account, our platform, and updates to our policies • To detect, investigate, and prevent fraud, unauthorized access, and other illegal activity • To improve our platform, products, and user experience • To comply with legal obligations, court orders, and requests from regulatory authorities • To send you service-related notices, security alerts, and administrative messages We will not sell your personal information to third parties for their own marketing purposes.

Service Providers and Financial Partners

Instapay may share your information with third-party service providers that help us operate our platform, including identity verification providers, fraud prevention services, cloud hosting providers, and analytics services. These providers are contractually required to use your information only to provide services to Instapay and to protect it appropriately. If real-money payment services become available, Instapay intends to work with approved partner financial institutions and payment processors, subject to regulatory approval. Your information may be shared with those partners as necessary to provide the services you request and to comply with applicable law.

Fraud Prevention and Security

We may share information with fraud prevention services, law enforcement agencies, and regulatory authorities when we believe it is necessary to detect, prevent, or respond to fraud, security incidents, illegal activity, or violations of our terms of service. We may also share information as required by applicable law, subpoena, court order, or government request.

Legal and Compliance Uses

Instapay may disclose your information to comply with applicable laws and regulations, including financial services laws, anti-money laundering requirements, and tax reporting obligations. We may also disclose information in connection with a merger, acquisition, or sale of all or a portion of our assets, provided the receiving party agrees to protect your information in a manner consistent with this policy.

Instapay retains personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. For accounts that are closed or inactive, we may retain certain information for a period required by applicable law — including financial recordkeeping requirements — even after you request deletion of your account. Where retention is no longer legally required, we will delete or anonymize your information in accordance with our internal data retention policies.

You may request deletion of your personal information by contacting us at [email protected]. We will respond to your request within a reasonable time and in accordance with applicable law. Please note that we may be required to retain certain information even after a deletion request, including information needed to comply with legal obligations, resolve disputes, prevent fraud, or enforce our agreements. We will inform you of any such limitations when we respond to your request.

Instapay's platform is not directed to children under the age of 18. We do not knowingly collect personal information from anyone under 18. If we become aware that we have collected personal information from a child under 18 without parental consent, we will take steps to delete that information promptly. If you believe we may have collected information from a child under 18, please contact us at [email protected].

If you have questions about this Privacy Policy, want to exercise your data rights, or need to report a privacy concern, please contact us at: Email: [email protected] We will respond to privacy-related inquiries as promptly as possible. For compliance or legal matters, please contact [email protected].