Effective Date: 06/12/2025

1️ Introduction

Paywaz.com LLC (“Paywaz,” “PZ Coins,” “PZ Gold,” “we,” “us,” or “our”) values your privacy and is committed to safeguarding your personal information. This Privacy Policy explains how we collect, use, store, and protect your information when you access or use our websites, applications, platforms, products, and services (“Services”).

By using our Services, you consent to the data practices described in this Privacy Policy. If you do not agree with any terms herein, you must discontinue use of the Services.

2️ Legal & Regulatory Compliance

We comply with all applicable data privacy and protection laws, including but not limited to:

• California Consumer Privacy Act (CCPA/CPRA)
• General Data Protection Regulation (GDPR)
• UK Data Protection Act 2018
• Other applicable federal, state, and international data protection regulations

3️ Information We Collect

We collect information directly from you, automatically from your use of the Services, and from third parties.

A. Information You Provide

• Full legal name
• Contact details (email, phone, address)
• Government-issued identification (passport, driver’s license, national ID)
• Tax identification numbers (where required)
• Banking or payment account information
• Employment or business information (for compliance)
• Information provided during account registration, customer support, or communication with us

B. Information Collected Automatically

• Device and browser information
• IP address
• Geolocation data (where permitted)
• Usage data, log files, cookies, and tracking technologies
• Transactional history and service usage metrics

C. Information From Third Parties

• Identity verification service providers
• AML/KYC screening databases
• Sanctions and watchlist databases (OFAC, UN, EU)
• Financial institutions, payment processors, and compliance vendors
• Government authorities (as legally required)

4️ Purposes for Collecting Your Information

We use your personal information to:

• Verify identity and comply with AML/KYC obligations
• Conduct sanctions screening, OFAC compliance, and financial crime prevention
• Facilitate secure transactions and payment processing
• Detect, investigate, and prevent fraud or unlawful activity
• Manage customer accounts and provide customer support
• Communicate with you regarding account activity, security, and product updates
• Perform internal analytics to improve our Services
• Fulfill contractual obligations
• Satisfy legal, regulatory, and tax reporting requirements
• Respond to government or regulatory inquiries

5️ Lawful Basis for Processing

We process personal data based on:

• Performance of contract
• Legal and regulatory compliance
• Legitimate business interests
• Your consent (where applicable)

We do not sell or rent your personal information to third parties.

6️ Sharing Your Information

We may share information with:

• Authorized service providers and contractors (under confidentiality agreements)
• Identity verification, AML/KYC, and fraud prevention providers
• Financial institutions, payment processors, and banking partners
• Legal counsel, auditors, tax advisors, and compliance consultants
• Government authorities, regulators, or law enforcement (as legally required)
• Corporate affiliates or successors (in mergers, acquisitions, or business transfers)

All third-party access is governed by applicable privacy and confidentiality obligations.

7️ International Data Transfers

Your information may be transferred outside your jurisdiction, including to the United States, where laws may offer different levels of data protection. Paywaz implements appropriate safeguards, including:

• Standard Contractual Clauses (SCCs) where required under GDPR
• Other lawful mechanisms approved by regulators
• Strict contractual obligations with third-party processors

8️ Data Retention

We retain your personal data only as long as necessary to:

• Fulfill contractual obligations
• Satisfy legal and regulatory requirements (including AML recordkeeping)
• Detect and prevent fraud or misuse
• Support ongoing compliance obligations

Typical AML/KYC retention periods extend up to seven (7) years or longer where legally required.

9️ Security Measures

We implement industry-leading technical, administrative, and organizational security safeguards, including:

• Encryption (both at rest and in transit)
• Multi-factor authentication (MFA)
• Role-based access controls (RBAC)
• Continuous monitoring and penetration testing
• Secure cloud hosting with access controls
• Routine vulnerability scans and security audits

While we follow industry best practices, no system is fully immune from risk. Users are responsible for protecting their own access credentials.

10 Your Rights & Choices

Depending on your jurisdiction, you may have the right to:

• Access your personal data
• Request correction of inaccurate or incomplete data
• Request deletion (subject to legal and AML obligations)
• Restrict or object to certain types of processing
• Request portability of your data (where applicable)
• Withdraw consent (where processing is based on consent)
• File a complaint with your data protection authority

To exercise your rights, contact us at: hello@paywaz.com

We will respond as required under applicable law.

1️1️ Children’s Privacy

Our Services are not directed to individuals under 18 years of age. We do not knowingly collect information from minors. If you believe a child has provided us personal information, please contact us to request deletion.

1️2️ Third-Party Websites & Services

Our Services may contain links to third-party websites or platforms. We are not responsible for the content, security, or privacy practices of such third parties.

1️3️ Regulatory Disclosures

• Paywaz operates as a non-bank financial service provider.
• We comply with U.S. FinCEN MSB registration and related AML/KYC obligations.
• We are not FDIC insured, and funds are not protected by federal deposit insurance.

1️4️ Updates to this Privacy Policy

We may amend this Privacy Policy from time to time to reflect evolving regulatory requirements or business practices. Updated versions will be posted to our website with the effective date noted. Your continued use of the Services constitutes acceptance of any updates.

1️5️ Contact Information

If you have questions or concerns about this Privacy Policy or your personal information, contact:

Paywaz.com LLC
1201 N Orange St. Suite 766
Wilmington, DE 19801
United States
Email: hello@paywaz.com
Website: www.paywaz.com