This Privacy Policy (hereinafter referred to as the “Policy”) aims to clarify how TXRise LLC (hereinafter referred to as “we” or the “Company”) collects, uses, stores, discloses, and protects your personal information in the process of providing monetary services and related businesses. This Policy applies to all information you provide when interacting with us through our website, mobile application, offline service channels, or other means.
Please read this Policy carefully before using our services. Your use of our services indicates that you have fully understood and agreed to all the contents of this Policy.
I. Information We Collect and Collection Methods
(I) Information You Voluntarily Provide
When you register to use our services, conduct business, or interact with us, you may need to voluntarily provide the following information:
- 1. Identification Information: Including your name, date of birth, marital status, and government-issued identity documents (such as ID cards, passports, etc.), used for identity verification and business compliance review.
- 2. Contact Information: Including your email address, mailing address, telephone number, etc., used to communicate with you about business matters and send service notifications.
- 3. Financial Information: This includes your bank account details, payment card information, income, transaction records, account balance, etc., used to complete transaction settlements and fund transfers related to monetary services.
- 4. Business-Related Information: This includes the type of business you conduct (e.g., check cashing, foreign exchange transactions, currency transfers), counterparty information, service usage preferences, feedback, and survey responses, used to provide you with accurate services and optimize your service experience.
(II) Information We Automatically Collect
During your use of our services, we will automatically collect the following information through technical means:
- 1. Usage Information: This includes your device identifier (e.g., IP address, mobile device identifier), browser type, internet service provider, operating system, access time, accessed service pages or functions, operation records, etc., used to analyze service usage and optimize service performance.
- 2. Transaction Information: This includes transaction amount, transaction type, transaction time, transaction status, counterparty information, etc., used to complete transaction processing, reconciliation, and risk monitoring.
- 3. Location Information: Depending on your device permissions, we may collect your mobile device's GPS location information. If you have not authorized GPS location, we will roughly determine your location through your IP address for compliance auditing and risk control. You can disable location information collection permissions at any time through your device settings.
- 4. Information Collected Using Tracking Technologies: We use technologies such as cookies and web beacons to collect information, including your browsing behavior and interactions with emails. You can delete or refuse cookies through your browser settings, but this may affect the normal use of some service functions.
(III) Information Obtained from Third Parties
We may collect your information from legitimate and compliant third-party sources, including:
- 1. Business Partners and Suppliers: Obtaining your fraud risk assessment information from identity verification and anti-fraud partners; obtaining account association and transaction-related information from payment service providers (such as Stripe). The use of such information follows third-party privacy policies.
- 2. Public Channels: Obtaining your contact information, interaction records, etc., from public websites, social media platforms, and other public channels to improve customer information and service optimization.
- 3. Associated Services: If you associate your account with third-party services (such as Google or Apple), we will receive personal data and other information provided by those services with your authorization.
II. Purpose of Information Use
We will only use the collected information within the scope of legality and compliance. Specific purposes include:
- 1. Providing and fulfilling monetary services, including check cashing, foreign exchange transactions, money transfers, prepaid card sales, and other related transactions and settlements;
- 2. Conducting identity verification, anti-fraud reviews, and risk assessments to ensure business compliance and transaction security, and to prevent financial crimes such as money laundering and terrorist financing;
- 3. Communicating with you regarding service-related matters, including sending transaction notifications, account alerts, and service updates;
- 4. Analyzing service usage data to optimize service processes and user experience, and developing new products or services;
- 5. Complying with applicable laws, regulations, and regulatory requirements, and responding to legitimate requests from judicial or regulatory authorities;
- 6. Protecting the legitimate rights and interests of us, you, or the public, and responding to disputes and complaints.
III. Information Disclosure and Sharing
We strictly control the scope of information disclosure and will only share your information in the following circumstances:
1. Sharing Based on Legal Obligations
We may provide your personal information to third parties in accordance with applicable laws and regulations, based on judicial procedures, litigation dispute resolution needs, or at the request of authorized administrative or judicial authorities.
2. Sharing with Your Explicit Consent
After obtaining your explicit authorization, we will share your personal information with designated third parties within the scope permitted by law and based on the content you have agreed to.
3. Sharing with Authorized Partners
To provide you with complete service functions, we may share information with authorized partners to assist us in completing some services or specific functions. We will only share information based on legal, legitimate, necessary, and explicit purposes, and within the scope described in this policy. We strictly require partners to only access information necessary for the performance of their duties and not to use the information for any other purpose.
4. Business Mergers and Transfers
In the event of major corporate transactions such as mergers, acquisitions, restructurings, or bankruptcies, information may be transferred to the parties involved in the transaction, and the transferee must comply with the requirements of this Privacy Policy.
IV. Information Storage and Protection
1. Storage Period
We will store your information for the shortest period necessary to achieve the intended use of the information, or comply with the storage period requirements stipulated by applicable laws and regulations. After the storage period expires, we will take measures such as deletion or anonymization to process the information.
2. Storage Location
Your information will be stored on secure servers within the United States. We ensure that the storage environment complies with relevant data protection standards.
3. Protection Measures
We adopt a combination of technical and managerial security measures, including encryption technology, access control, security audits, and employee confidentiality training, to prevent information leakage, loss, alteration, or misuse. However, please note that no information transmission method can guarantee absolute security, and we are not liable for losses caused by force majeure or malicious attacks by third parties during information transmission.
V. Your Rights and Control
You have the following rights regarding your personal information, and we will provide necessary assistance for you to exercise these rights:
- 1 Right to Access and Correction: You can log in to your account or contact us to inquire about your personal information and request corrections of inaccurate or incomplete information.
- 2 Right to Erasure: You may request the deletion of your personal information if it complies with laws and regulations. We will process your request promptly after verification, except for information that needs to be retained to fulfill compliance obligations and handle disputes.
- 3 Communication Preference Control: You can stop receiving marketing emails by clicking the "unsubscribe" link in promotional emails; we may still send you necessary service-related notifications (such as transaction confirmations, account reminders, etc.).
- 4 Access Control: You can manage your access permissions for location information, cookies, etc., through your device settings, and control your access permissions for third-party services through your account settings.
- 5 Additional Rights for Colorado Residents: Under the Colorado Consumer Privacy Act (CPA), Colorado residents can request access to the categories and specific content of the personal information we collect and opt out of information sharing (if applicable). Please note that the CPA does not apply to non-public personal information that is subject to financial privacy laws.
To exercise the above rights, you can contact us using the contact information provided in this policy. We may require you to provide identity verification information to ensure information security.
VI. Child Information Protection
We do not knowingly collect personal information from children under the age of 13. If we discover that we have unintentionally collected children's information, we will immediately take remedial measures such as deletion. If you believe we hold information about children under the age of 13, please contact us promptly.
VII. Cross-border Transfer of Information
Our services are primarily for users within the United States, and your information is primarily stored within the United States. If cross-border transfers are necessary for business purposes, we will comply with applicable laws and regulations regarding cross-border data transfer to ensure that your information is adequately protected.
VIII. Policy Changes
This policy may be revised in accordance with updates to laws and regulations or business adjustments. Upon revision, we will notify you of any significant changes to this Privacy Policy through the service platform and by sending a notification of the relevant changes to the email address you provided.
Such significant changes will take effect seven (7) days after any of the above notification methods are used. Otherwise, all other changes to this Privacy Policy will take effect from the date of the "Last Revision," and your continued use of the service after the "Last Revision" date constitutes your acceptance and agreement to be bound by such changes.
We are committed to ensuring that any changes comply with applicable laws and regulations and to protecting users' right to know and right to choose to the greatest extent possible. We encourage you to review this Privacy Policy periodically during your use of the service to understand how we protect your personal information.
IX. Contact Information
If you have any questions, complaints, or need to exercise your information-related rights regarding this Privacy Policy, please contact us through the following methods:
Contact Email
contact@txrisepay.xyzWe will respond to your requests and provide assistance within a reasonable timeframe.