Introduction
At CyberOctoPay, your privacy and security are our top priorities. This Privacy Policy explains how we collect, use, protect, and share your personal information when you use our website and payment processing services.
Information We Collect
- Personal Information: Name, email address, phone number, billing address, and payment details.
- Business Information: Company name, business address, tax ID, and other compliance-related documents.
- Transaction Data: Payment history, transaction amounts, and merchant/customer details.
- Technical Data: IP address, browser type, device information, and usage data collected via cookies or analytics tools.
How We Use Your Information
- To process payments and provide our services
- To verify your identity and comply with legal requirements (KYC/AML)
- To communicate with you about your account or transactions
- To improve our website, services, and user experience
- For security, fraud prevention, and risk management
How We Share Information
- With Service Providers: We may share data with trusted partners who help us operate our business (e.g., banks, payment networks, compliance providers).
- Legal Compliance: We may disclose information if required by law or in response to legal requests.
- Business Transfers: If CyberOctoPay is involved in a merger, acquisition, or asset sale, your information may be transferred as part of that process.
Cookies & Tracking
We use cookies and similar technologies to enhance your experience and analyze website usage. You can control cookies through your browser settings.
Data Security
We implement industry-standard security measures to protect your information from unauthorized access, use, or disclosure.
Data Retention and Deletion
At CyberOcto Pay, we retain your data only as long as necessary to provide our services, comply with legal obligations, prevent fraud, and resolve disputes.
How Long We Keep Your Data
| Data Type | Retention Period | Reason |
| Merchant onboarding and KYC documents | 7 years after account closure | Legal, tax, and compliance requirements |
| Transaction and payment records | 7 years | Financial recordkeeping and dispute resolution |
| Tax and accounting records | 7 years | Tax and regulatory compliance |
| Compliance and risk records | 7 years after case closure | Fraud prevention and regulatory audits |
| Support communications | 3 years | Operational and customer service purposes |
| Account profile and settings | Duration of account + 2 years after closure | Service delivery and legal obligations |
| Security and access logs | 12 months | Security and fraud detection |
| Marketing records and contact forms | Until consent withdrawal or 24 months of inactivity | Marketing compliance |
| Unsubmitted applications | 90 days | System management |
| Backups | Rolling 90-day retention | Disaster recovery and business continuity |
Your Deletion Rights
You may request deletion of your personal data at any time by contacting us at support@cyberoctopay.com . We will review your request and respond within 30 days.
Important: Some data cannot be deleted due to legal, tax, compliance, fraud prevention, or contractual obligations. If we cannot fully delete your data, we will explain what must be retained and why.
Data We Cannot Delete
We are required to retain certain data for:
- Tax and accounting purposes
- Legal holds or regulatory inquiries
- Fraud investigations and chargeback disputes
- Contract enforcement
- Compliance with payment processing and anti-money laundering regulations
How to Request Data Deletion
To request deletion of your data:
- Contact us at support@cyberoctopay.com
- Provide your account information and specify what data you want deleted
- We will verify your identity
- We will respond within 30 days with confirmation or explanation of what data must be retained
For questions about our data retention practices, contact us at support@cyberoctopay.com .
Your Rights
- Access, update, or delete your personal information
- Opt out of marketing communications
- Request a copy of your data
To exercise your rights, contact us at support@cyberoctopay.com.
Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.
Contact Us
If you have any questions about this Privacy Policy, please contact us at support@cyberoctopay.com.
