Last updated: February 25, 2026
Koopfy Payments LLC and/or its affiliated entities (“Koopfy”) respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, share, store, and safeguard information when you use our websites, apps, and services (the “Platform”).
1. Scope
This Policy applies to visitors and Platform users, including Sellers (businesses using Koopfy) and Consumers (end customers). Data processing may vary depending on your country, product usage, and applicable legal/regulatory obligations.
2. Key Definitions
• Personal Data: information relating to an identified or identifiable individual. • Sensitive Data: data revealing health, biometrics, sexual life, religious or political beliefs, etc., where applicable. • Controller: entity deciding purposes/means of processing. • Processor: entity processing data on behalf of a Controller. • Processing: any operation performed on data. • KYC/KYB: identity and business verification. • Cookies: identifiers used to operate and improve the Platform.
3. Who We Are & Processing Roles
Koopfy acts as a Controller for data processed to: • create and manage accounts; • ensure security, fraud prevention, and compliance; • provide support and improve the Platform. In certain scenarios, Koopfy may act as a Processor when handling Consumer data on behalf of a Seller, subject to configuration and applicable agreements.
4. Data We Collect
We may collect the following categories: 4.1 Account & Registration Data: name, email, phone, address, company details, and representative information. 4.2 Verification Data (KYC/KYB): identification documents, proof documents, ownership information, and verification results. 4.3 Transaction Data: amount, currency, timestamps, status, product description, payment identifiers/tokens, refunds, and disputes. 4.4 Technical & Usage Data: IP address, device identifiers, user agent, logs, cookies, and event data. 4.5 Support Data: messages, tickets, and communications. 4.6 Risk & Fraud Data: behavioral signals, fraud scores, blocklists, suspicious attempts. 4.7 Consumer Data (where applicable): name, email, phone, shipping address, order details, purchase history. Koopfy generally does not request Sensitive Data. If it is processed due to legal/regulatory reasons, we apply enhanced safeguards.
5. How We Collect Data
We collect data: • directly from you (registration, forms, support); • automatically (cookies, logs, analytics); • from partners and public sources (verification, fraud prevention), where permitted by law.
6. Purposes & Legal Bases
We process data for: 6.1 Contract Performance: account creation, service delivery, checkout, reporting, and support. 6.2 Legal/Regulatory Compliance: KYC/KYB, AML, fraud prevention, audits, tax obligations, and authority requests. 6.3 Legitimate Interests: security, abuse prevention, platform improvement, and aggregated analytics. 6.4 Consent: marketing communications and non-essential cookies (where applicable). 6.5 Legal Claims: defending disputes, chargebacks, and legal proceedings.
7. Data Sharing
We may share data with: 7.1 Financial Partners: acquirers, processors, banks, payment providers, and settlement partners. 7.2 Fraud & Security Providers: risk analysis, fraud prevention, monitoring tools. 7.3 Infrastructure Providers: hosting, storage, CDN, email, messaging, customer support. 7.4 Analytics Providers: performance measurement (minimized/anonymized when possible). 7.5 Authorities: where required by law or necessary to prevent fraud and protect rights. We require vendors to maintain confidentiality and appropriate security measures.
8. International Transfers
As a global business, we may transfer and store data in other countries. Where required, we implement appropriate safeguards to ensure an equivalent level of protection under applicable laws.
9. Security
We implement appropriate technical and organizational measures, such as: • encryption in transit and, where applicable, at rest; • access controls and environment segregation; • monitoring and logging; • internal policies and training; • incident response procedures. No system is fully secure. We will notify affected users when required by law.
10. Cookies
We use cookies and similar technologies for: • Essential: operation, authentication, and security; • Preferences: language and settings; • Analytics: metrics and performance; • Marketing: personalization (where applicable). You can manage cookies via your browser and, where available, via a preference center.
11. Data Retention
We retain data only as long as necessary for the purposes described, including compliance obligations and dispute defense. As a general rule: • Account and transaction records: retained as needed for compliance, audits, and disputes (may exceed 5 years depending on legal/regulatory requirements and chargeback exposure). • Marketing data: retained until opt-out/withdrawal. • Security logs: retained as required for security and compliance. Data may be deleted, anonymized, or retained where legally required.
12. Your Rights
Depending on applicable laws, you may request: • confirmation and access; • correction; • deletion or restriction (where applicable); • portability (where applicable); • information about sharing; • withdrawal of consent; • objection to processing based on legitimate interests (where applicable). To exercise your rights, contact: support@koopfy.com. We may verify your identity for security.
13. Communications & Marketing
We may send service-related communications (e.g., account, security) without consent. Marketing messages, where applicable, include an opt-out mechanism.
14. Children’s Data
The Platform is not intended for children. If we identify improper processing of children’s data, we may take corrective actions.
15. Changes to this Policy
We may update this Policy periodically. Material changes will be communicated via Platform notice and/or email when applicable.
16. Contact
Questions and requests: support@koopfy.com. We recommend contacting us using the email associated with your account for verification.
These documents apply to merchants using the platform and, where relevant, to customers buying through checkouts powered by Koopfy.
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