Privacy Policy

VisiPay Privacy Policy

Effective Date: 10/09/2026

VisiPay, Inc. (“VisiPay,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal and business information of users of the VisiPay platform.

This Privacy Policy describes how we collect, use, store, and protect information when you visit www.visipay.io or use the VisiPay platform and related services (the “Platform”).

1. Information We Collect

We collect information in several ways.

Information You Provide

When you create an account or use the platform, we may collect:

• Name
• Company name
• Email address
• Phone number
• Mailing address
• Business registration information
• Tax identification information
• Payment or wallet information
• Project documentation uploaded to the platform

This information is required to establish verified user accounts and support secure payment processing.

Identity Verification Information

To comply with financial regulations and anti-money laundering laws, we may collect:

• Government-issued identification
• Business ownership information
• Know-Your-Customer (KYC) verification data

Platform Usage Information

We automatically collect certain technical data including:

• IP address
• Device type
• Browser type
• Log files
• Usage patterns within the platform

This information helps us maintain system security and improve functionality.

Project Data

VisiPay may collect and store project-related information including:

• Contract documents
• Work verification documentation
• Lien waivers
• Payment milestones
• Communication between parties

This data helps facilitate transparent project workflows and payment verification.

2. How We Use Information

VisiPay uses collected information to:

• Provide and operate the VisiPay platform
• Verify user identity
• Enable secure project payments
• Maintain escrow visibility
• Process transactions
• Maintain audit records of project actions
• Provide customer support
• Improve platform functionality
• Comply with legal and regulatory obligations

Certain system events may be recorded to create an immutable audit trail of actions and approvals, which is central to maintaining transparency within the platform.

3. Payment and Financial Information

VisiPay does not store full banking credentials directly. Financial transactions may be processed through regulated financial institutions or payment partners.

Payment information may be shared with:

• banking partners
• payment processors
• compliance providers

solely for purposes of completing authorized transactions.

4. Data Sharing

We do not sell personal data.

We may share information with:

Financial Institutions

Banks and payment providers involved in processing transactions.

Compliance Providers

KYC, AML, fraud detection, and regulatory compliance vendors.

Platform Participants

Project participants may view certain project-related information necessary to verify work completion and payment status.

Legal Authorities

When required by law, subpoena, or regulatory request.

5. Data Security

VisiPay implements industry-standard safeguards including:

• encryption
• role-based access controls
• audit logs
• secure cloud infrastructure
• identity verification procedures

Our system architecture is designed to ensure security, reliability, and auditable workflows across project activities and financial events.

However, no internet system is completely secure and users accept this inherent risk.

6. Data Retention

VisiPay retains information as long as necessary to:

• operate the platform
• maintain project audit records
• comply with legal and regulatory obligations
• resolve disputes

Financial or compliance records may be retained for longer periods as required by law.

7. User Rights

Users may request to:

• access their personal data
• correct inaccurate data
• request deletion of certain data

However, deletion requests may be limited when data is required for legal, financial, or contractual obligations.

8. Cookies and Tracking

The website may use cookies and similar technologies to:

• maintain session security
• remember preferences
• analyze site usage

Users may disable cookies in browser settings, though certain features may not function properly.

9. Third-Party Services

The platform may integrate with third-party services such as:

• payment processors
• document signing services
• identity verification providers

VisiPay is not responsible for the privacy practices of these third parties.

10. Children's Privacy

The platform is not intended for individuals under the age of 18.

11. Changes to This Policy

VisiPay may update this Privacy Policy periodically. Updates will be posted on the website with a revised effective date.

12. Contact Information

VisiPay, Inc.

Email: support@visipay.io