Privacy Policy

1. Introduction

SurcoPay ("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 digital product sales platform and services.

By using SurcoPay, 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 services.

2. Information We Collect

2.1 Information You Provide

• Account information (name, email address, password)
• Business information (business name, tax information)
• Payment provider credentials and authorization
• Product information and digital files you upload
• Customer service communications

2.2 Information Collected Automatically

• Log data (IP address, browser type, pages visited)
• Device information (device type, operating system)
• Usage data (features used, actions taken)
• Cookies and similar tracking technologies

2.3 Information from Third Parties

• Payment provider data (transaction details, payment status)
• Authentication services (OAuth providers)
• Fraud detection services

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our services
• Process transactions and send transaction notifications
• Manage your account and provide customer support
• Send administrative information and updates
• Detect and prevent fraud and unauthorized access
• Analyze usage patterns and improve our services
• Comply with legal obligations
• Enforce our Terms of Service

4. Information Sharing and Disclosure

We may share your information with:

4.1 Service Providers

We work with third-party service providers who perform services on our behalf, including payment processing (Stripe, PayPal, ATH Móvil), email delivery, cloud storage, and analytics.

4.2 Legal Requirements

We may disclose your information if required by law, court order, or governmental request, or to protect our rights, property, or safety.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement appropriate technical and organizational security measures to protect your information, including:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication mechanisms
• Secure data centers and infrastructure

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Account information is retained while your account is active. Transaction records are retained for 7 years for tax and legal compliance purposes.

7. Your Privacy Rights

You have the right to:

• Access and receive a copy of your personal information
• Correct inaccurate or incomplete information
• Request deletion of your information (subject to legal retention requirements)
• Object to or restrict certain processing of your information
• Data portability (receive your data in a structured format)
• Withdraw consent where we rely on consent for processing

To exercise these rights, please contact us at support@surcopay.com.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Maintain your session and keep you logged in
• Remember your preferences and settings
• Analyze usage patterns and improve our services
• Provide security features and fraud detection

You can control cookies through your browser settings, but disabling cookies may limit some functionality.

9. Third-Party Services

Our platform integrates with third-party payment providers (Stripe, PayPal, ATH Móvil). These services have their own privacy policies governing the use of your information. We encourage you to review their privacy policies.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers in compliance with applicable data protection laws.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last updated" date. Continued use of our services after changes constitutes acceptance of the updated policy.

13. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us: