Política de Privacidade

Zenvy Pay (“we,” “our,” or “us”) operates the website zenvypay.com and provides international remittance services that allow users to send funds to Brazil via PIX. This Privacy Policy explains how we collect, use, share, and protect information about you when you use our services.

By using Zenvy Pay, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

1.1 Personal Information

When you create an account or use our services, we may collect:

• Full name and email address
• Phone number (when provided)
• Government-issued identification documents (collected by our licensed payment processing partners for KYC/AML compliance)
• Date of birth and nationality
• Billing address

1.2 Transaction Data

We collect information about transactions you initiate, including:

• Amount sent and currency
• Recipient PIX key (CPF, email, phone number, or random key)
• Recipient name
• Transaction status and timestamps
• Exchange rates applied

1.3 Device and Usage Information

We automatically collect certain technical information, such as:

• IP address and approximate location
• Browser type, version, and language
• Device type and operating system
• Pages visited and features used
• Referring URLs and session duration

2. How We Use Your Information

We use the information we collect to:

• Process and complete your international remittance transactions
• Verify your identity and prevent fraud
• Comply with applicable laws and regulations, including AML/KYC requirements
• Send you transaction confirmations, status updates, and receipts
• Provide customer support
• Improve our platform, features, and user experience
• Monitor for and prevent suspicious or prohibited activities
• Send you service-related communications (you may opt out of marketing emails)

3. Information Sharing

We do not sell your personal information. We share your information only in the following circumstances:

3.1 Payment Processing Partners

To facilitate transactions, we share necessary information with:

• Topper Pay — our on-ramp payment processor, which handles card payment processing and identity verification (KYC). Your data shared with Topper is governed by Topper's Privacy Policy.
• BaaS Provider (PIX) — our Brazilian banking-as-a-service partner who executes the PIX transfer to your recipient. This partner operates under Brazilian financial regulations and the Banco Central do Brasil.

3.2 Authentication Provider

We use Clerk to manage user authentication (sign-in via Google, Apple, or email). Clerk may collect and process data pursuant to Clerk's Privacy Policy.

3.3 Legal Requirements

We may disclose your information if required by law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of Zenvy Pay, our users, or the public.

3.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified via email and/or a prominent notice on our website.

4. Data Security

We implement industry-standard security measures to protect your personal information, including:

• TLS/SSL encryption for all data transmitted to and from our platform
• Encrypted storage of sensitive data at rest
• Access controls limiting who can view personal information
• Regular security assessments and vulnerability testing

While we take reasonable precautions, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with our legal obligations:

• Account data: Retained for the duration of your account plus 5 years after account closure
• Transaction records: Retained for a minimum of 5 years as required by AML regulations
• KYC documents: Retained per the requirements of our licensed partners and applicable law
• Log data: Retained for up to 12 months

6. Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal data. For users in Brazil, these rights are established by the Lei Geral de Proteção de Dados (LGPD — Law No. 13,709/2018):

• Right of confirmation and access: Confirm whether we process your data and request a copy
• Right of correction: Request correction of incomplete, inaccurate, or outdated data
• Right of deletion: Request deletion of data processed based on your consent (subject to legal retention requirements)
• Right of portability: Receive your data in a structured, machine-readable format
• Right to object: Object to processing based on legitimate interest
• Right to revoke consent: Withdraw consent at any time for consent-based processing
• Right to information: Be informed about entities with whom we share your data

Users in other jurisdictions (e.g., the European Economic Area under GDPR, or California under CCPA) may have similar rights. To exercise any of these rights, contact us at founders@zenvypay.com.

7. Cookies and Tracking

We use cookies and similar tracking technologies to operate and improve our service. These include:

• Essential cookies: Required for authentication and core platform functionality
• Analytics cookies: Help us understand how users interact with our platform (aggregated, anonymised data)
• Security cookies: Used to detect and prevent fraudulent activity

You can control cookie settings through your browser preferences. Disabling essential cookies may affect your ability to use the service.

8. Children's Privacy

Zenvy Pay is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately at founders@zenvypay.com and we will take steps to delete such information.

9. Changes to This 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. For significant changes, we may also send an email notification to the address associated with your account. We encourage you to review this policy periodically.

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: