Privacy Policy

This Privacy Policy explains how we collect, use, disclose, and protect your information when you use 创意电子支付 (the “Service”). By using the Service, you agree to the practices described here.

1. Information We Collect

• Account information: username, email, contact details, and authentication data you provide.
• Transaction data: order identifiers, amount, currency, channel, timestamps, and callback/log records generated by payment processing.
• Technical data: IP address, device/browser details, cookies, and access logs for security and troubleshooting.
• Support data: messages and attachments you submit through support tickets or email.

2. How We Use Information

• Provide and operate the Service (payment aggregation, callbacks, reconciliation, settlement management).
• Prevent fraud, abuse, and unauthorized access; enforce security controls and risk rules.
• Comply with legal obligations and respond to lawful requests.
• Communicate with you about service notices, updates, or support.

3. Sharing and Disclosure

We may share information with payment channel providers, infrastructure vendors (hosting, SMS/email), and professional advisors as necessary to operate the Service. We may also disclose information when required by law or to protect users, the Service, and our rights.

4. Data Retention

We retain information for as long as needed to provide the Service, comply with legal requirements, resolve disputes, and enforce agreements. Logs and transaction records may be retained for longer periods for audit and compliance.

5. Cookies

We use cookies and similar technologies for session management, security, and improving user experience. You can control cookies through your browser settings, but some features may not function properly if cookies are disabled.

6. Security

We implement reasonable administrative, technical, and physical safeguards. No method of transmission or storage is 100% secure; therefore we cannot guarantee absolute security.

7. Your Rights

Depending on your jurisdiction, you may have rights to access, correct, or delete certain personal information. To request assistance, please contact us via the links in the footer.

8. Changes

We may update this Policy from time to time. Updates take effect when posted on this page.