1. Scope of Application
This Privacy Policy applies to all products and services provided by the HoyaPay platform. HoyaPay is a cross-border fintech brand operated by Better-Pro Limited (US FinCEN MSB) and Better-Pro Enterprises Limited (Canada FINTRAC MSB).
2. Information We Collect
To provide account services and comply with KYC/AML regulatory requirements, we collect identification information, contact details, transaction records, and device information through our partner Sumsub.
3. How We Use Your Data
The information we collect is used for: (1) Account opening and identity verification (2) Transaction monitoring and anti-money laundering (3) Platform security and risk management (4) Regulatory reporting obligations (5) Customer service and product improvement.
4. Data Sharing
We do not sell your personal information to third parties. We may share your information with third parties in the following cases: (1) When required by law or regulatory authority (2) When working with service providers (such as Fireblocks, Sumsub, Chainalysis) to perform business operations (3) With your consent.
5. SMS / Text Messaging
HoyaPay (operated by Better-Pro Limited) sends SMS text messages solely for transactional purposes — namely one-time passwords (OTP) and verification codes used for account registration, login, and transaction confirmation. We never send marketing or promotional SMS. (1) Consent: You opt in to receive these messages when you enter your own mobile number and request a verification code within the HoyaPay app; by doing so you agree to receive SMS messages from HoyaPay. (2) Message frequency: messages are sent only in response to your requests, so frequency varies accordingly. (3) Message and data rates may apply. (4) Opt-out: reply STOP to any message to unsubscribe at any time; reply HELP for assistance, or contact [email protected]. (5) No third-party sharing: we do not share or sell your mobile phone number, SMS consent, or opt-in data to any third parties or affiliates for marketing or promotional purposes. Mobile information is used only to deliver the verification service you request.
6. Data Security
HoyaPay uses Fireblocks MPC (Multi-Party Computation) technology to protect asset access. All transactions are executed in isolated secure environments and comply with institutional-grade security standards.
7. Your Rights
You may request access, correction, or deletion of your personal information at any time. Please contact us at [email protected].
8. Policy Updates
This policy may be updated periodically. Significant changes will be announced through the App or our website.
9. Contact Us
If you have any questions, please contact [email protected].