PRIVACY POLICY

Updated at May 7, 2026

QikPay (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how your

personal information is collected, used, stored, processed, and disclosed by QikPay. This Privacy Policy applies

to our website, mobile application, APIs, and related services (collectively, the “Service”), including our

application, QikPay. By accessing or using our Service, you signify that you have read, understood, and agree to

our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy and

our Terms of Service.

Definitions and Key Terms

accept payments or manage transactions.

Device: Any internet-connected device such as a phone, tablet, computer, or other device used to access

QikPay.

IP Address: A number assigned to a device connected to the Internet, which may be used to identify general

geographic location.

Personnel: Individuals employed by QikPay or contracted to perform services on its behalf.

Personal Data: Any information that identifies, relates to, describes, or could reasonably be linked to an

identifiable natural person.

Sensitive Personal Information: Financial account data, transaction data, government identifiers, and other

information classified as sensitive under applicable privacy laws.

We collect information from you when you visit our website or application, register on our site, initiate or receive a

transaction, respond to a survey, or otherwise interact with the Service.

The information we may collect includes:

• Name / Username

• Phone Number

• Email Address

• Personal Address

• Business Address

Account credentials are stored only in encrypted or hashed form. QikPay does not store plaintext passwords.

Financial and Transaction Information

Camera (Pictures): Granting camera permission allows users to upload images directly through the platform. You

may deny camera permissions without loss of core functionality.

When Does QikPay Use End-User Information from Third Parties?

QikPay may receive limited end-user information from third-party service providers solely to provide the Service,

comply with legal obligations, or prevent fraud. Any such information is processed in accordance with this Privacy

Policy.

When Does QikPay Use Customer Information from Third Parties?

We may receive information from third parties such as compliance vendors, fraud-detection providers, or

identity-verification services when you contact us or express interest in QikPay.

Do We Share the Information We Collect with Third Parties?

QikPay collects Personal Data directly from you and may receive additional information from third-party providers

as described above.

How Do We Use the Information We Collect?

Information we collect may be used to:

• Provide and operate the Service

• Process payments and settlements

regulatory, accounting, and audit requirements. Certain information may be retained after account closure where

legally required.

How Do We Protect Your Information?

We implement administrative, technical, and physical safeguards designed to protect Personal Data. However,

no system is completely secure, and we cannot guarantee absolute security.

Could My Information Be Transferred to Other Countries?

Your information may be transferred to and processed in jurisdictions outside your place of residence. Where

required by law, we rely on appropriate legal transfer mechanisms.

Can I Update or Correct My Information?

We may transfer information to a third party in the event of a merger, acquisition, reorganization, or sale of all or

substantially all of QikPay’s assets, provided the receiving party agrees to adhere to this Privacy Policy.

We may disclose information, including Personal Data, to Corporate Affiliates under common control with QikPay.

Any such information will be treated in accordance with this Privacy Policy.

Governing Law

Your Consent

By using QikPay, registering an account, or otherwise engaging with the Service, you consent to this Privacy

Links to Other Websites

This Privacy Policy applies only to the Services. The Services may contain links to third-party websites not

operated or controlled by QikPay. We are not responsible for the privacy practices or content of such websites.

Cookies

QikPay uses cookies necessary for authentication, security, and basic functionality. We do not store Personally

monthly fee (e.g., $100 per month) to enable unlimited eligible transactions through the Service.

If a merchant does not enroll in a subscription plan and exceeds one hundred (100) transactions within a given

monthly billing cycle, all additional eligible transactions processed through the Service will be routed and

processed exclusively through Automated Clearing House (ACH) payment rails and will incur a fee of $0.50 per

transaction.

Once the included transaction threshold has been exceeded, certain alternative payment methods, including

Zelle or similar third-party payment services, may no longer be available for applicable transactions unless

otherwise determined by QikPay.

Any such pricing terms are subject to change as described in our Terms of Service or other governing

agreements, and continued use of the Service after such changes constitutes acceptance of the updated pricing.

Third-Party Services

We may display or provide access to third-party services or content. QikPay is not responsible for third-party

services, and your use of such services is subject to their respective terms and policies.

California Residents (CCPA / CPRA)

California residents have rights under the California Consumer Privacy Act (CCPA) and the California Privacy

Rights Act (CPRA), including the right to access, correct, and delete Personal Data, and to limit the use of

sensitive personal information. QikPay does not sell Personal Data.

California Online Privacy Protection Act (CalOPPA)

CalOPPA requires us to disclose the categories of Personal Data we collect, how we use it, the categories of

sources from which it is collected, and the third parties with whom it is shared, all of which are described in this

Privacy Policy.

California users have the right to know, access, delete, and receive equal service without discrimination. QikPay

does not sell Personal Data.

Contact Us