Privacy Policy

1. Introduction

FNBD Payment Solutions ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment processing services, website, and API (collectively, the "Service").

By using our Service, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our Service.

2. Information We Collect

2.1 Personal Information

We collect information that you provide directly to us, including:

• Business name, contact information, and registration details
• Payment information and transaction data
• Account credentials and authentication information
• Customer support communications
• User identification data (user_id, user_name, user_phone)

2.2 Automatically Collected Information

When you use our Service, we automatically collect certain information, including:

• IP addresses and device information
• Browser type and version
• Usage patterns and interaction data
• API request logs and response times
• Error logs and system diagnostics

3. How We Use Your Information

We use the collected information for various purposes:

• To provide, maintain, and improve our payment processing services
• To process transactions and manage your account
• To communicate with you about your account and our services
• To detect, prevent, and address technical issues and fraud
• To comply with legal obligations and regulatory requirements
• To analyze usage patterns and improve user experience
• To send you technical notices, updates, and support messages

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party service providers who assist us in operating our Service
• Legal Requirements: When required by law or to protect our rights and safety
• Business Transfers: In connection with any merger, sale, or acquisition
• With Your Consent: When you have given us explicit permission to share your information

5. Data Security

We implement industry-standard security measures to protect your information, including:

• End-to-end encryption for all sensitive data transmission
• Secure socket layer (SSL/TLS) encryption for all API communications
• Regular security audits and vulnerability assessments
• Access controls and authentication mechanisms
• Secure data storage with encrypted databases
• PCI-DSS compliant payment processing infrastructure

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Transaction records and financial data are retained in accordance with applicable financial regulations.

7. Your Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data to another service
• Objection: Object to processing of your personal information

To exercise these rights, please contact us at privacy@fnbd.net.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Service and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

9. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using our Service, you consent to the transfer of your information to our facilities and those third parties with whom we share it as described in this policy.

10. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.

12. Contact Us

If you have any questions about this Privacy Policy, please contact us: