VsorPay

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Who We Are

Vsorpay Inc. is a licensed remittance and financial technology (fintech) company committed to simplifying global money transfers. Our mission is to provide fast, secure, and affordable financial solutions for individuals and communities worldwide, especially those who rely on sending or receiving money across borders to support their families and manage essential expenses.

Our company is headquartered at 10601 Clarence Drive, Suite 250, Delaware, USA, and we operate predominantly through a digital-first model. This includes our website and mobile application, which serve as the primary channels for customers to access our suite of services — including international money transfers, mobile wallet top-ups, and secure recipient payouts.

At Vsorpay, we place a high priority on protecting the privacy and security of our users. We act as a data controller, meaning we determine how and why your personal information is collected, used, and shared. This role obliges us to manage your data in accordance with strict legal obligations and industry best practices.

We are fully committed to compliance with all applicable data protection laws and international privacy standards, including the General Data Protection Regulation (GDPR) in the European Union, the California Consumer Privacy Act (CCPA) in the United States, and other regional and national data protection regulations across the globe.

Our company ethos centers on transparency, accountability, and customer trust. As such, we implement comprehensive privacy controls and data governance frameworks to ensure your

information is handled responsibly. Whether you’re sending money to family abroad or managing remittance records through our platform, you can rely on Vsorpay to protect your personal information with the utmost care.

Information We Collect

At Vsorpay Inc., we collect a range of personal data to deliver our services efficiently, securely, and in compliance with regulatory requirements. The types of information we collect fall into three primary categories: data you provide directly, data we collect automatically, and data we receive from third parties.

A. Information You Provide Directly

When you interact with our services — such as signing up, initiating a transaction, or contacting our support team — you voluntarily provide us with personal data. This may include:

  • Identity details such as your full name, date of birth, nationality, and gender

     

  • Contact details including your email address, phone number, and physical mailing address

     

  • Government-issued identification documents such as a passport, national ID card, or driver’s license, which we use for identity verification and compliance with anti-money laundering (AML) regulations

     

  • Financial information such as bank account numbers, card details, or preferred payment methods

     

  • Transaction-related data, such as the name, contact information, and country of the recipient

     

This information is essential for us to fulfill our contractual obligations, protect against fraud, and maintain compliance with local and international laws.

B. Information We Collect Automatically

When you access our website or mobile application, we automatically collect certain technical information about your device and usage patterns, including:

  • Device identifiers such as IP address, browser type, and operating system

     

  • Usage data such as the pages you visit, time spent on the platform, clickstream behavior, and referring URLs

     

  • Location data, where permitted, to prevent fraud and personalize services

     

  • Session logs and error reports for performance and security analysis

     

We use cookies and analytics tools (like Google Analytics and Firebase) to gather this information, improve your user experience, troubleshoot issues, and assess the performance of our services.

C. Information We Receive from Third Parties

To ensure regulatory compliance and verify user identity, we also receive personal data from external sources, including:

  • Identity verification providers and compliance vendors who help us validate the authenticity of your documents and assess the risk of financial crime

     

  • Payment service providers, such as banks and card processors, to confirm and process transactions

     

  • Marketing and advertising partners, for audience targeting (only with your consent)

     

  • Government agencies or regulators, when required by law or during audits and investigations

     

We combine this third-party information with the data you provide and that we collect automatically to build a more complete and secure profile that ensures the integrity of our services.

How We Use Your Information

At Vsorpay Inc., we are committed to using your personal information transparently and responsibly. We only use your data for clearly defined purposes that are essential for delivering our services, complying with legal obligations, improving your user experience, and protecting our platform and users from fraud and misuse.

Below are the primary ways in which we use the personal information we collect:

A. To Verify Your Identity

We use your personal data — including your name, date of birth, identification documents, and contact details — to verify who you are. This step is crucial in meeting our compliance requirements with local and international regulations such as Anti-Money Laundering (AML) and Know Your Customer (KYC) laws. Identity verification ensures that our platform is used only for legitimate purposes.

B. To Process Transactions

We use your financial and transactional data to execute money transfers, mobile wallet top-ups, and other remittance-related services. This includes processing payments, confirming delivery to recipients, issuing receipts, and reconciling accounts. Accurate data is essential for the integrity and speed of each transaction.

 

C. To Communicate With You

We use your contact information to send service-related messages, such as:

  • Transaction confirmations and receipts

  • Account activity alerts and security notifications

  • Updates regarding policy changes or system maintenance

  • Reminders for incomplete transfers or identity verification steps

These communications are considered essential and will be sent even if you opt out of marketing emails.

D. To Personalize and Enhance Your Experience

We use data from your interactions, device settings, and preferences to improve your experience across our platforms. This includes:

  • Pre-filling forms for convenience

  • Recommending services relevant to your location or transaction history

  • Adapting our user interface for better accessibility and usability

  • Testing and refining new features based on user behavior

E. To Prevent Fraud and Ensure Platform Security

We process behavioral data and run security checks to detect unusual or suspicious activity. Our fraud prevention mechanisms include:

  • Automated monitoring of high-risk transactions

  • Device fingerprinting to identify anomalies

  • Real-time validation checks

  • Collaboration with fraud detection agencies

These measures protect both our business and our users from financial harm and reputational damage.

F. To Comply with Legal and Regulatory Requirements

We may also use your information to comply with applicable laws and respond to legal requests, such as:

  • Retaining records for audit and tax purposes

  • Cooperating with regulators and financial authorities

  • Reporting suspicious activities in accordance with AML laws

Legal Basis for Processing

Vsorpay Inc. only collects, uses, stores, and shares your personal information where we have a lawful basis to do so under applicable privacy and data protection laws. These legal bases ensure that your rights are respected and that our data practices are justified, accountable, and transparent.

Below are the primary legal grounds on which we rely:

A. Contractual Necessity

We process your personal information because it is necessary to fulfill our contract with you — or to take steps at your request before entering into such a contract. For example:

  • When you register for a Vsorpay account

  • When you initiate a money transfer

  • When we communicate with you about your transaction status or technical support

Without this data, we would not be able to deliver our core services.

B. Legal Obligations

In many cases, we are legally required to collect and process your data to comply with statutory obligations, including:

  • Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations

  • Know Your Customer (KYC) identity checks

  • Tax and financial reporting requirements

  • Law enforcement and regulatory disclosures

Failing to process such data could result in regulatory non-compliance, putting our services — and your access to them — at risk.

C. Legitimate Interests

We may process your data where it is reasonably necessary for our legitimate business interests, provided your interests or fundamental rights and freedoms do not override those interests. These include:

  • Securing and improving our platform performance

  • Detecting and preventing fraud or security threats

  • Enhancing the usability and functionality of our products

  • Conducting customer satisfaction surveys and business analysis

  • Marketing our services to existing customers (subject to opt-out rights)

We assess each use case carefully to ensure our actions are fair, balanced, and respectful of your privacy.

D. Your Consent

In some situations, we rely on your explicit consent before processing your personal data — particularly for:

  • Sending marketing emails, promotional offers, or newsletters

  • Enabling optional analytics or tracking tools (e.g., cookies)

  • Using your data for research or feedback campaigns

You can withdraw your consent at any time by adjusting your account settings or contacting us directly at support@vsorpay.com. Please note that withdrawing consent does not affect the lawfulness of processing before your withdrawal.

Marketing and Communication

At Vsorpay Inc., we may occasionally contact you with marketing content to keep you informed about our services, promotions, new features, and updates that may benefit you. We understand that your preferences matter, and we are committed to communicating with you in a way that is transparent, respectful, and in full compliance with data protection laws.

A. When We Send Marketing Communications

We may send you marketing messages via email, SMS, push notifications, or in-app messages under the following conditions:

  • With your explicit consent — For example, if you sign up for our newsletter, opt-in to receive promotional content, or check a box indicating interest during registration.

  • Where you have used our services — If you have previously completed a transaction with Vsorpay, we may contact you with relevant offers or updates based on a legitimate interest in maintaining our customer relationship, provided you have not opted out.

These communications may include:

  • Discounts or referral bonuses

  • Service updates or expansions to new countries

  • Educational content or financial wellness tips

  • Customer satisfaction surveys or feedback invitations
B. Your Control Over Communications

You have full control over whether or not you receive marketing content from us. You can choose to:

  • Opt out at any time by clicking the “unsubscribe” link found in every marketing email.

  • Adjust your communication preferences via your Vsorpay account settings.

  • Contact us directly at support@vsorpay.com with “Unsubscribe” in the subject line.

Please note: Even if you opt out of marketing messages, we will still send you essential service-related communications, such as:

  • Transaction confirmations

  • Security alerts or password resets

  • Changes to our Terms of Service or Privacy Policy
C. How We Deliver These Messages

Marketing communications may be managed through third-party platforms that help us segment and personalize messages for relevance and timing. These partners are contractually obligated to protect your data and comply with privacy laws.

We also use anonymized analytics and customer activity insights to ensure that the messages we send are useful and tailored to your interests.

Analytics and Tracking Technologies

At Vsorpay Inc., we use analytics and tracking technologies to better understand how users interact with our website, mobile application, and services. These tools allow us to continuously improve performance, diagnose technical issues, personalize experiences, and ensure our platform is intuitive and secure.

A. Why We Use Analytics

The insights we gain from analytics tools help us to:

  • Monitor website traffic and user behavior

  • Understand which features are most useful or underutilized

  • Detect and resolve bugs or performance bottlenecks

  • Make data-informed decisions about product development

  • Improve user journeys and simplify key interactions

  • Test new features through A/B testing and user feedback analysis

These activities help us ensure that you receive the best possible service and experience on our platform.

B. Tools We Use

We currently use trusted third-party services, including:

  • Google Analytics – This tool collects data such as how long users spend on our pages, what content is accessed, geographic location, browser type, and device model. It helps us measure overall engagement and traffic patterns.

  • Firebase Analytics – Used mainly for our mobile app, this tool provides insights on app performance, crash reports, user flows, and engagement metrics.

  • Cookies and Local Storage – We use first- and third-party cookies to remember preferences, keep you logged in, and track anonymized interactions for personalization and security.

Some cookies are essential for site operation (e.g., session tokens), while others are non-essential and used for marketing or analytics. We always seek your consent before activating non-essential cookies.

C. User Choice and Consent

We are committed to respecting your choices regarding how your data is collected and used:

  • On your first visit, we may prompt you with a cookie consent banner.

  • You can opt in or out of certain categories of tracking, such as marketing or third-party analytics.

  • You can disable cookies or delete tracking data at any time through your browser or device settings.

For more information about how Google collects and uses data, you can visit:

https://policies.google.com/technologies/partner-sites

D. Data Usage and Privacy

The data collected through these tools is aggregated and anonymized whenever possible. We do not use analytics data to identify individual users unless you have given explicit consent or where required for fraud prevention or legal compliance.

We do not sell this data, and any third-party services we work with are required to handle your data in compliance with data protection regulations.

Sharing Your Data

At Vsorpay Inc., we treat your personal data with the highest degree of confidentiality. We only share your information when it is necessary for service delivery, regulatory compliance, fraud prevention, or platform optimization—and always under strict data protection controls.

We never sell your personal data. When sharing is required, we ensure it is done in accordance with applicable data protection laws (such as GDPR, CCPA, and other global privacy standards), and only with trusted partners who are bound by confidentiality agreements and security obligations.

A. Who We Share Your Data With

We may disclose your information to the following categories of recipients:

  1. Service Providers

     These are third parties that support our daily operations and help us deliver our services effectively. They may include:
    • Identity verification and KYC (Know Your Customer) providers

    • Payment processors and financial institutions

    • SMS/email delivery platforms for notifications

    • Marketing and analytics platforms (e.g., Google Analytics, Firebase)

    • Customer support and CRM service providers

  2. Cloud Hosting and Infrastructure Partners

     Your data is securely stored in data centers hosted by leading cloud providers. These partners are selected for their high compliance with security frameworks (e.g., ISO 27001, SOC 2) and operate under data processing agreements.

  3. Fraud Detection and Risk Management Agencies

     We work with fraud monitoring services and automated risk engines to protect our platform. These services help us detect suspicious activity and ensure safe use of our app.

  4. Regulators, Law Enforcement, and Government Authorities

     In compliance with legal and regulatory requirements, we may share your personal information with:
    • Financial regulatory bodies

    • Law enforcement agencies (e.g., for criminal investigations or AML reporting)

    • Tax and customs authorities (when required by law)

    • Courts and public bodies (in response to subpoenas or other lawful requests)

  5. Business Transfers

     If Vsorpay is involved in a merger, acquisition, asset sale, or other business reorganization, your data may be transferred to the successor entity, provided the receiving party agrees to uphold equivalent privacy protections.

B. How We Ensure Your Data Is Protected

Whenever we share data, we take the following measures to protect it:

  • Data Minimization: Only the minimum amount of information necessary is shared.

  • Contractual Safeguards: Third parties must sign strict confidentiality and data processing agreements.

  • Security Standards: Shared data must be handled according to industry-standard encryption and security protocols.

  • Monitoring and Audits: We regularly assess third-party compliance with our data protection requirements.

International Data Transfers

Vsorpay Inc. operates in a global digital environment, which means that some of your personal data may be processed or stored in countries outside of your country of residence, including jurisdictions that may not offer the same level of legal data protection as your home country.

Whenever we transfer your personal data across borders—especially outside of the European Economic Area (EEA), the United Kingdom, or other regions with comprehensive data protection laws—we do so with extreme caution and in full compliance with applicable data protection regulations.

A. Why International Transfers Occur

We may transfer your data internationally for the following reasons:

  • To store and process data using cloud infrastructure providers located in other countries

  • To enable identity verification through third-party KYC/AML services that operate globally

  • To facilitate payment processing with international financial institutions and card networks

  • To allow technical and customer support teams, who may be located outside your jurisdiction, to serve you effectively

B. Legal Safeguards We Implement

To protect your data during international transfers, we implement appropriate legal and contractual mechanisms such as:

  • Standard Contractual Clauses (SCCs): These are pre-approved contractual terms issued by the European Commission that ensure your data is protected even when it is transferred outside of the EEA.

  • Data Processing Agreements (DPAs): All third parties who handle your data on our behalf are required to sign a DPA that binds them to strict confidentiality, security, and data protection obligations.

  • Adequacy Decisions: In some cases, we may transfer data to countries that the European Commission or other data protection authorities have deemed to offer an “adequate” level of protection.

  • Additional Technical Safeguards: This includes encryption, access restrictions, and secure APIs to ensure that personal data is protected from unauthorized access during and after transfer.

C. Your Rights and Protections

No matter where your data is transferred or stored, your rights remain fully protected under this Privacy Policy. You have the right to:

  • Request information about the safeguards in place for international transfers

  • Object to a transfer that lacks adequate protection

  • Request copies of the relevant safeguards used (e.g., SCCs), where legally permitted

We continuously monitor our international data flows and update our contracts and security controls in line with evolving legal and regulatory guidance.

Data Retention

At Vsorpay Inc., we retain your personal information only for as long as necessary to fulfill the specific purposes for which it was collected, and to comply with applicable legal, regulatory, and operational requirements.

A. Retention Periods

We generally retain your personal data for a period of up to six (6) years after the end of your relationship with us (e.g., after your last transaction or after account closure). This retention period allows us to:

  • Comply with anti-money laundering (AML) and financial reporting obligations

  • Satisfy tax, audit, and accounting requirements

  • Support potential legal claims or regulatory investigations

  • Maintain accurate business and service records

However, certain types of data may be retained for shorter or longer periods, depending on the nature of the information and applicable laws.

B. Criteria We Use to Determine Retention Duration

The length of time we keep your data is determined based on:

  • The type of data (e.g., transaction records vs. marketing preferences)

  • The purpose for which it was collected (e.g., regulatory compliance, service delivery)

  • The legal basis for processing (e.g., contract vs. consent)

  • Whether you have requested deletion of your information

  • Whether there is an ongoing dispute, investigation, or claim

If your data is no longer necessary for any of the purposes listed above, we will securely delete or anonymize it.

C. Anonymization and Archiving

In some cases, we may retain data in an anonymized or aggregated form for statistical analysis, product improvement, or business planning purposes. Such data is no longer considered personal and cannot be linked back to any individual.

D. Account Closure and Data Deletion

If you close your Vsorpay account, we will retain only the data necessary to:

  • Fulfill outstanding transactions

  • Comply with laws and regulations

  • Prevent fraud and abuse

  • Resolve potential disputes

Once the retention period expires, your data is permanently deleted or securely destroyed using industry-standard methods.

Your Rights

At Vsorpay Inc., we are committed to ensuring you maintain control over your personal data. Depending on your location and the applicable data protection laws (such as the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), and others), you may be entitled to a range of rights regarding how your personal information is collected, used, and stored.

We recognize and respect these rights, and we’ve made it simple for you to exercise them.

A. Your Key Data Rights
  1. Right to Access

     You have the right to request a copy of the personal data we hold about you. This includes information about how and why we process your data, the categories of data involved, and the third parties with whom your data may be shared.

  2. Right to Correction (Rectification)

     If any of your personal data is inaccurate, outdated, or incomplete, you have the right to request that we correct or update it.

  3. Right to Deletion (Right to Be Forgotten)

     You may request that we delete your personal data, particularly when:
    • The data is no longer necessary for the purposes it was collected.

    • You have withdrawn your consent (where consent was the legal basis).

    • You object to the processing and there are no overriding legitimate grounds.

    • The data has been unlawfully processed or must be erased to comply with legal obligations.


  4. Right to Restriction of Processing

     You can request that we temporarily or permanently stop processing all or some of your personal data if:
    • You contest its accuracy.

    • You object to our processing but we are assessing whether our legitimate interests override yours.

    • The processing is unlawful, but you don’t want it deleted.

    • You need the data to establish, exercise, or defend legal claims.

  5. Right to Object to Processing

     In cases where we process your data based on our legitimate interests or for direct marketing purposes, you have the right to object to such processing at any time.

  6. Right to Data Portability

     You may request a copy of your data in a structured, commonly used, and machine-readable format, and request that we transfer it to another provider where technically feasible.

  7. Right to Withdraw Consent

     Where we rely on your consent to process personal data (e.g., for marketing), you can withdraw that consent at any time without affecting the lawfulness of processing based on consent before its withdrawal.

  8. Right to Lodge a Complaint

     You have the right to file a complaint with a data protection authority or regulator in your country if you believe your privacy rights have been violated.

B. How to Exercise Your Rights

To make a request regarding your data rights, please contact us by email at:

📧 support@vsorpay.com

Please include:

  • Your full name

  • The specific request you’re making

  • Any relevant account or transaction information

We may request additional information to verify your identity before processing your request, as required by law.

C. Response Times

We aim to respond to valid requests within 30 days. If your request is particularly complex or we receive multiple simultaneous requests, we may take longer, but we will always inform you of any delays and explain the reason.

D. Limitations

Please note that certain rights may be subject to legal exceptions. For example, we may be required to retain certain information for regulatory compliance, fraud prevention, or dispute resolution even if you request deletion.

How We Protect Your Information

At Vsorpay Inc., the security of your personal information is not just a technical requirement — it’s a core commitment to you as our customer. We implement robust administrative, technical, and physical safeguards to ensure that your data is protected against unauthorized access, misuse, disclosure, alteration, or destruction.

A. Data Security Measures We Implement

We adopt multiple layers of defense to safeguard your information, including but not limited to:

  • Data Encryption

     All sensitive personal and financial information is encrypted using industry-standard protocols, such as TLS (Transport Layer Security) for data in transit and AES (Advanced Encryption Standard) for data at rest.

  • Secure Infrastructure

     We store your data on secure servers hosted by reputable cloud service providers that comply with ISO 27001, SOC 2, and other international security standards. These environments feature intrusion detection systems, firewalls, access controls, and regular vulnerability assessments.

  • Access Controls and Authentication

     Access to your personal data is restricted to authorized personnel only — and only to the extent necessary to perform their job functions. Multi-factor authentication (MFA) and role-based access management help prevent internal and external misuse.

  • Regular Security Audits and Penetration Testing

     We conduct regular third-party audits, internal security reviews, and penetration tests to identify and mitigate vulnerabilities. These practices help us stay ahead of evolving threats and ensure compliance with best practices.

  • Real-Time Monitoring and Threat Detection

     Our systems include logging and monitoring tools that detect suspicious behavior and help respond to security incidents swiftly.

  • Data Backup and Disaster Recovery

     We maintain regular data backups and disaster recovery protocols to ensure service continuity and data integrity in the event of system failure, cyberattacks, or natural disasters.

B. Your Role in Protecting Your Account

Security is a shared responsibility. To help keep your account safe, we encourage you to:

  • Use a strong, unique password and change it regularly

  • Enable two-factor authentication (if available)

  • Avoid accessing your account on public or unsecured Wi-Fi networks

  • Never share your login credentials or verification codes with anyone

  • Immediately report any suspicious activity or unauthorized access to support@vsorpay.com

C. Limitations and Awareness

While we take every reasonable measure to protect your data, no online system can be completely immune to risks. We encourage you to stay vigilant and practice safe browsing habits.

Updates to This Policy

We may revise this Privacy Policy from time to time to reflect changes in our business operations, legal obligations, technological advancements, or data protection best practices. Our goal is to ensure that you are always informed about how your personal data is being collected, used, and protected.

A. When We Update the Policy

We may update this Privacy Policy for several reasons, including:

  • Changes in legal or regulatory requirements, such as updates to the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), or local data protection laws

     

  • Introduction of new features or services that require the collection or processing of additional data

     

  • Enhancements to our data security practices, processing operations, or third-party service providers

     

  • Adjustments in business structure, such as mergers, acquisitions, or rebranding

     

B. How We Communicate Policy Updates

Whenever a material change is made to this Privacy Policy, we will notify you promptly and transparently through one or more of the following methods:

  • Email notifications to the address linked to your Vsorpay account

     

  • In-app or website banners prompting you to review the updated policy

     

  • Pop-up notices when you log in after an update

     

  • An updated “Effective Date” clearly displayed at the top of the policy

     

For minor changes that do not affect your rights or the way we process your personal data, we may update the policy without a direct notice, but the revised version will always be available on our website.

C. Encouraging You to Stay Informed

We encourage you to review this Privacy Policy regularly so that you are aware of how we are protecting your information and your rights. Your continued use of our services following an update constitutes your acknowledgment and agreement to the revised terms.

If you do not agree with the changes, you have the right to stop using our services and, if necessary, request the closure of your account.

Mobile Messaging and SMS Communications

By providing your mobile phone number to Vsorpay, you expressly consent to receive SMS (Short Message Service) text messages from Vsorpay about your account, transactions, customer support inquiries, policy updates, and promotional offers. These messages may be sent by automated systems or by Vsorpay staff, and may include but are not limited to: account alerts, security notifications, operational communications, promotional campaigns, reminders, and surveys. Message frequency may vary, but we strive to send only relevant communications.

A. Consent and Opt-Out Procedures

Your consent to receive SMS messages from Vsorpay is voluntary and can be withdrawn at any time. To opt out of receiving SMS messages, simply reply STOP to any message you receive from us. For additional help or information about our SMS program, reply HELP to any message or contact us directly through the details provided in this privacy policy. Please note that after opting out, you may still receive service-related or legally required communications from Vsorpay.

B. Data Usage and Privacy

We collect and store your phone number solely for the purpose of delivering SMS communications that you have consented to receive. We do not sell or rent your phone number or personal information to third parties for their marketing or promotional purposes. Your information may be shared with service providers only to the extent necessary to facilitate the delivery of SMS communications, and always in accordance with this privacy policy and applicable laws.

C. Charges and Message Frequency

Message and data rates may apply according to your mobile service plan. The number of messages you receive will depend on your use of Vsorpay’s services, interactions with our platform, and your communication preferences.

D. Security and Retention

We take reasonable precautions to protect your mobile number and any information associated with it from unauthorized access, use, or disclosure. Vsorpay retains your mobile number in our system as long as it is necessary for the purposes described in this policy, or until you withdraw your consent.

E. No Condition of Purchase

Providing your mobile phone number for SMS communications is not a condition of purchasing products or services from Vsorpay. You may continue to use our services without opting in to receive promotional SMS messages.

F. Changes to SMS Policy

Vsorpay may update our SMS communications policy to reflect changes in the law or in our business practices. We encourage you to review this policy periodically for the latest information on our SMS practices.