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. 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 bank-grade security standards.
6. Your Rights
You may request access, correction, or deletion of your personal information at any time. Please contact us at [email protected].
7. Policy Updates
This policy may be updated periodically. Significant changes will be announced through the App or our website.
8. Contact Us
If you have any questions, please contact [email protected].