Privacy Policy

• Privacy Policy
  Effective Date: October 2025
  Website: https://loispay.io/
  Executive Summary
  At LoisPay Pro , your privacy and trust are our highest priorities. We protect your personal
  and financial data with industry-leading security.
  No sale of your data.
  Use only for providing secure Carding and compliance services.
  Full compliance with GDPR, CCPA, FATF, and other global privacy regulations.
  1. Introduction
  LoisPay Pro (also recognized as “LoisPay Pro,” “we,” “our,” or “us”) provides a global eCarding platform with fiat services, stablecoin services, loans, and virtual credit cards. This
  Privacy Policy describes how we collect, use, share, and protect your personal
  information.
  2. Scope
  This Policy applies to:
   All customers of LoisPay Pro.
   All LoisPay Pro websites, including https://loispay.io/.
   All account-related processes (deposits, withdrawals, loans, cards).
  3. Information We Collect
  Personal Information: name, date of birth, nationality, gender, contact details, ID
  documents, biometric verification.
  Financial Information: card details, stablecoin wallets, virtual credit card usage, loan
  applications.
  Technical Data: device type, IP, browser type, cookies, geolocation.
  Compliance Data: KYC verification results, transaction monitoring, sanctions screening.
  4. Use of Information
  We process your data for:
   Account services (deposits, withdrawals, loans, cards)
   Compliance (AML/CTF, KYC/KYT, Travel Rule)
   Risk management and fraud prevention
   Service improvements and analytics
   Legal obligations and audits
   Customer communications and support
   Optional marketing (only with consent)
  5. Automated Decision-Making
  LoisPay Pro may use automated systems for:
   Transaction risk scoring
   Fraud alerts
   Creditworthiness assessments
  You may request a human review of automated decisions.
  6. Information Sharing
  We share your data only with:
   Regulators and authorities
   KYC/KYT providers (Persona, Sumsub, Elliptic, Crystal Intelligence)
   Payment processors and card networks
   Service providers (cloud hosting, IT security)
   LoisPay Pro affiliates
  We never sell or rent personal data.
  7. Data Storage & Retention
   Data retained for 7 years (AML rules).
   Stored in encrypted databases with strict access controls.
   Cross-border transfers safeguarded with GDPR Standard Contractual Clauses
  (SCCs).
  8. Children’s Privacy
  LoisPay Pro services are not available to anyone under 18.
  9. Cookies & Tracking
  Cookies are used to enhance user experience and security. Disabling cookies may limit
  functionality.
  10. Data Security
   End-to-end encryption (SSL/TLS)
   Multi-layer firewalls
   Multi-factor authentication
   Regular penetration testing
  11. Data Breach Notification
  In the event of a data breach, we will:
   Notify affected customers promptly.
   Inform regulators within required timelines.
  12. Your Rights
  Under GDPR, CCPA, and other laws, you may:
   Access, correct, or delete your personal data.
   Restrict processing or request portability.
   Object to marketing or profiling.
  Requests: info@loispay.io
  13. Marketing Preferences
   Marketing emails only sent with explicit consent.
   Unsubscribe anytime via account settings.
  14. Cardholder Data Privacy
   Virtual card data is encrypted and tokenized.
   LoisPay Pro will never request PINs, CVV codes, or 2FA codes by email or phone.
  15. Policy Updates
  This Privacy Policy is reviewed quarterly and updated to reflect:
   Regulatory changes
   New products/services
   Evolving security standards
  Latest version always available at: https://loispay.io/.
  16. Contact
  For privacy questions or complaints use online chat or email us at: info@loispay.io