terms & Conditions

1. Information We Collect

• When processing foreign payments, we may collect the following types of information:
• Personal details: name, email address, phone number, billing/shipping address.
• Business details: company name, tax identification number, and registered address.
• Payment details: bank account information, SWIFT/IBAN code, transaction ID, and payment amount.
• Verification documents: identity proof, tax forms, or compliance certificates.

2. Purpose of Data Collection

• Processing and verifying international payments.
• Generating invoices, receipts, and financial records.
• Complying with tax, accounting, and anti–money laundering (AML) regulations.
• Resolving transaction or payment disputes.
• Maintaining client communication and contract fulfillment.
• We do not sell, rent, or share your personal information with third parties for marketing purposes.

3. Legal Basis for Processing

• Contractual necessity: to perform our obligations under a service agreement.
• Legal compliance: to adhere to foreign exchange, taxation, and AML laws.
• Legitimate business interests: to maintain business operations and ensure payment security.

4. Data Storage and Security

• All data is stored on secure, encrypted systems.
• Banking details are shared only with authorized personnel and financial institutions.
• Encryption (SSL/TLS) and secure transmission protocols are used for all electronic communication.
• Access to sensitive information is restricted through authentication and role-based controls.

5. International Data Transfers

• Since payments involve banks and gateways in multiple countries, your data may be transferred across borders. We ensure that:
• Transfers comply with applicable data protection laws such as GDPR (Europe), DPDP Act (India), or other regional laws.
• Our service providers and payment processors maintain adequate safeguards (such as Standard Contractual Clauses or Privacy Framework certification).

6. Data Retention

• We retain payment-related records for as long as required by:
• Tax and accounting regulations.
• RBI/FEMA or equivalent foreign exchange laws.
• Anti–money laundering (AML) compliance requirements.
• After the retention period, data is securely deleted or anonymized.

7. Data Sharing

• We may share limited data only with:
• Authorized banks or financial intermediaries involved in the transaction.
• Regulatory authorities when required by law.
• Third-party service providers (e.g., accounting software, auditors) under confidentiality agreements.

8. Your Rights

• Depending on your jurisdiction, you may have the right to:
• Access, correct, or delete your personal data.
• Withdraw consent (where applicable).
• Request data portability or object to processing.
• To exercise these rights, please contact us at missabcon2026@gmail.com.

9. Data Breach Procedure

• In the unlikely event of a data breach, we will:
• Notify affected clients within a reasonable time.
• Take immediate steps to secure compromised systems.
• Cooperate with authorities and payment processors to prevent misuse.

10. Updates to This Policy

• We may update this Data Privacy Policy periodically.
• Updates will be posted on our website with the new effective date.
• Continued use of our services indicates acceptance of the updated policy.

11. Contact Us

• For privacy-related concerns, please contact:
• Email: missabcon2026@gmail.com
• Website: www.missabcon2026.com