1. Introduction
This Privacy Policy explains how Pementek collects, uses, shares, stores and otherwise processes personal information in connection with our websites, services, APIs, dashboards and payment infrastructure.
The exact information processed may depend on whether you are a merchant, merchant user, customer, developer, service provider or website visitor.
2. Information we collect
Account and business information
We may collect names, business details, email addresses, phone numbers, account identifiers and information provided during onboarding or account management.
Transaction information
When Pementek processes or helps orchestrate transactions, we may process transaction references, amounts, currencies, payment methods, status information, payer or recipient information and transaction verification data.
Technical information
We may collect IP addresses, device and browser information, API request metadata, timestamps, logs, security events and other technical information related to use of our services.
Communications
We may process messages and information provided when you contact Pementek for support, sales, compliance or other business purposes.
3. How we use information
We may use information to provide, operate, maintain and improve Pementek services; process and verify transactions; authenticate accounts; deliver transaction notifications; provide support; prevent fraud and misuse; monitor platform performance; comply with legal obligations; and protect the security and integrity of our systems.
4. Transaction processing
Pementek may process transaction information on behalf of merchants and may communicate with supported payment providers and other infrastructure necessary to process, verify, reconcile or complete a transaction.
Merchants are responsible for providing their own customers with appropriate privacy information where required.
5. How information may be shared
We may share information with payment providers, financial service providers, infrastructure vendors, hosting and security providers, professional advisers and other service providers where necessary to operate Pementek.
We may also disclose information where required by law, legal process or regulatory obligations, or where necessary to prevent fraud, protect rights or maintain platform security.
We do not sell personal information to advertisers.
6. Cookies and similar technologies
Pementek websites may use cookies and similar technologies for essential site functionality, security, preferences, performance and analytics.
More information is available in ourCookie Policy.
7. Data security
Pementek uses technical and organizational safeguards designed to protect information against unauthorized access, alteration, loss, misuse or disclosure.
No internet-based system can guarantee absolute security, and users are responsible for protecting their own account credentials and API keys.
8. Data retention
We retain information for as long as reasonably necessary to provide services, maintain transaction records, comply with legal and regulatory requirements, resolve disputes, enforce agreements and protect platform security.
Different categories of information may have different retention periods.
9. International processing
Pementek operates across multiple markets. Information may be processed in countries other than the country where it was originally collected, subject to applicable legal requirements and appropriate safeguards where required.
10. Your privacy rights
Depending on applicable law, you may have rights relating to access, correction, deletion, restriction, objection or portability of certain personal information.
Some information may need to be retained where required for transaction records, legal obligations, fraud prevention or other legitimate purposes.
11. Merchant customers
Where Pementek processes personal information on behalf of a merchant, the merchant may be responsible for determining the purposes and means of certain processing and for responding to customer privacy requests.
If your request relates to information provided to a particular merchant, you may need to contact that merchant directly.
12. Children's privacy
Pementek services are intended for businesses and authorized users and are not designed for children to create merchant accounts independently.
13. Changes to this Policy
We may update this Privacy Policy when our services, legal requirements or data practices change.
The effective date above identifies the current version.
14. Contact
Questions or requests concerning privacy can be submitted through Pementek's official contact channels.