1. Who We Are (Data Controller)

Offshore Unipay operates as the data controller for personal information collected through this website and our service onboarding process. We are responsible for determining how and why your data is processed.

Offshore Unipay is a global provider of high-risk payment processing solutions, including merchant accounts, payment gateways, crypto payment solutions, offshore company registration, and related financial services.

Website: https://offshoreunipay.com/

Email: info@offshoreunipay.com

We will respond to privacy-related inquiries within a reasonable timeframe, and in any case within the timeframe required by applicable law in your jurisdiction.

2. Information We Collect

We collect information in two ways: (a) information you provide directly to us, and (b) information collected automatically when you use our website.

2.1 Information You Provide

When you apply for our services, submit an enquiry, or communicate with us, we may collect:

• Business and personal identification: full name, business name, job title, registration numbers
• Contact details: email address, phone number, mailing address
• Financial and merchant information: bank account details, processing history, monthly volumes, business model details, ownership and control information
• Identity verification (KYC) documents: government-issued ID, proof of address, business registration certificates, utility bills
• Communications: messages, enquiry forms, support tickets, and any information you choose to share with us

2.2 Information Collected Automatically

When you visit our website, we or our third-party partners may automatically collect:

• Technical data: IP address, browser type and version, device type and operating system
• Usage data: pages visited, time spent, referring URLs, and navigation patterns
• Cookies and tracking technologies: as described in Section 8 below

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service delivery: to process your application, set up and manage your merchant account, and provide payment processing services
• Due diligence and compliance: to conduct Know Your Customer (KYC) checks, verify identity, assess business risk, and meet our obligations under applicable anti-money laundering (AML) and counter-terrorism financing (CTF) laws
• Fraud prevention and security: to detect, investigate, and prevent fraudulent transactions, chargebacks, and other unlawful activities
• Communication: to respond to enquiries, send service updates, and, where you have opted in, to send promotional information
• Contractual obligations: to fulfil our agreements with you and our banking and processing partners
• Analytics and improvement: to understand how our website is used and to improve our user experience
• Legal compliance: to meet obligations imposed by law, regulation, or court order in any relevant jurisdiction

We process your information only where we have a lawful basis to do so. Depending on the nature of the processing and your location, this basis may be: your consent, the performance of a contract with you, our legitimate business interests, or a legal obligation.

Depending on applicable law and your location, these lawful bases may include:

Contractual necessity: where processing is necessary to provide requested services, process merchant applications, or manage payment accounts

Legal obligation: where processing is required to comply with AML, KYC, sanctions screening, fraud prevention, tax, or financial regulations

Legitimate interests: where processing is necessary for business operations, website security, analytics, fraud monitoring, or service improvement

Consent: where you have explicitly agreed to receive marketing communications or allow non-essential cookies

4. Payment and Financial Data

As a payment processor, we handle sensitive financial information. Any payment card data processed through our platform is handled in accordance with the Payment Card Industry Data Security Standard (PCI-DSS). We do not store full card numbers, security codes, or sensitive authentication data beyond what is permitted under PCI-DSS rules.

Financial and merchant data (such as bank account details and transaction records) is collected solely for the purpose of providing our services, conducting underwriting, and fulfilling our regulatory obligations. It is not used for marketing or sold to third parties.

5. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to any third party for commercial gain.

We may share your information in the following circumstances:

• Service providers: with trusted third-party vendors (such as hosting providers, analytics tools, and communication platforms) who process data on our behalf, under strict confidentiality obligations
• Banking and financial partners: with acquiring banks, card networks, payment processors, and financial institutions as necessary to provide our services and meet compliance requirements
• Legal and regulatory authorities: with government bodies, regulators, law enforcement agencies, or courts when required by law, regulation, or legal process in any applicable jurisdiction
• Anti-money laundering and sanctions screening: we may share information with compliance databases or screening services to fulfil our AML/CTF obligations
• Business transfers: in the event of a merger, acquisition, or sale of assets, your information may be transferred to the successor entity, subject to equivalent privacy protections
• With your consent: in any other circumstances where you have given explicit consent for the disclosure

All third parties who receive your information are required to handle it in a manner consistent with applicable data protection law and our internal security standards.

6. International Data Transfers

Offshore Unipay operates globally and serves merchants in multiple countries and regions. As a result, your personal information may be transferred to, stored in, or processed in a country other than the one in which you reside. These countries may have data protection laws that differ from those in your home country.

Where such international transfers occur, we take appropriate measures to ensure that your data receives an adequate level of protection. These measures may include:

• Contractual safeguards: entering into standard data transfer agreements, including Standard Contractual Clauses (SCCs) or equivalent contractual mechanisms where required
• Recipient adequacy: transferring data only to countries or organisations that provide adequate privacy protections
• Legal requirements: complying with any applicable local laws governing the transfer of personal data out of your country

By using our services, you acknowledge that your data may be transferred internationally in accordance with this policy.

7. Your Rights

Regardless of where you are located, we respect your rights in relation to your personal information. Depending on your jurisdiction, these rights may include:

• Right to access: to request a copy of the personal information we hold about you
• Right to correction: to request that we correct inaccurate or incomplete information
• Right to deletion: to request that we delete your personal information, subject to our legal obligations and retention requirements
• Right to restrict processing: to ask us to limit how we use your data in certain circumstances
• Right to data portability: to receive your data in a structured, commonly used format
• Right to object: to object to certain types of processing, including direct marketing
• Right to withdraw consent: where processing is based on consent, to withdraw that consent at any time without affecting the lawfulness of prior processing
• Right not to be subject to automated decisions: to request human review of any decision made solely by automated means that significantly affects you

Certain merchant applications and transactions may be subject to automated fraud detection, underwriting, risk assessment, or compliance screening processes as part of our onboarding and transaction monitoring procedures. Where required by law, you may request human review of decisions that significantly affect you.

To exercise any of these rights, please contact us at info@offshoreunipay.com. We will respond within a reasonable period and in compliance with applicable law. We may need to verify your identity before processing your request.

We will not discriminate against you for exercising your privacy rights.

8. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies. Cookies are small data files stored on your browser or device that help us operate our website, analyse usage, and improve your experience.

Types of cookies we use:

• Essential cookies: necessary for the website to function correctly and cannot be switched off
• Analytics cookies: used to understand how visitors interact with our website (e.g., via Google Analytics or similar tools)
• Marketing and advertising cookies: used to deliver relevant information and track the effectiveness of our communications

Where required by applicable law, we will obtain your consent before placing non-essential cookies or similar tracking technologies on your device. You may withdraw or modify your cookie preferences at any time through your browser settings or our cookie management tools.

You may control cookies through your browser settings or by adjusting your preferences on our website. Disabling certain cookies may affect the functionality of some parts of our site.

9. Data Security

We implement appropriate technical and organisational measures designed to protect personal information against unauthorised access, disclosure, alteration, misuse, loss, or destruction.

These measures may include:

– SSL/TLS encryption for website and data transmissions

– Restricted access controls and authentication procedures

– Secure hosting environments and firewall protection

– Internal monitoring and fraud prevention systems

– Compliance procedures aligned with PCI-DSS and financial industry standards

Access to personal information is limited to authorised personnel and trusted service providers who require such access for legitimate business purposes.

However, no method of internet transmission or electronic storage is completely secure. While we take reasonable steps to safeguard your information, we cannot guarantee absolute security. In the event of a data breach that may pose a risk to your rights or freedoms, we will notify affected individuals and relevant authorities where required by applicable law. 

10. Data Retention

We retain personal information only for as long as is necessary to fulfil the purposes for which it was collected, or as required by law.

For merchant applicants and active clients, we typically retain business and identity records for a minimum period required by applicable financial regulations (commonly 5–7 years following the end of the business relationship). Website usage data and analytics are retained for shorter periods.

When personal information is no longer needed, we securely delete or anonymise it.

11. Marketing Communications

We may send you information about our products, services, and promotions by email or other channels where you have opted in or where we have a legitimate interest in doing so.

You can opt out of marketing communications at any time by:

• Clicking the unsubscribe link in any marketing email
• Contacting us directly at info@offshoreunipay.com

Opting out of marketing will not affect communications that are necessary to deliver our services or required by law.

12. Children’s Privacy

Our services are intended solely for businesses and individuals who are at least 18 years of age or the age of majority in their jurisdiction. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor without appropriate consent, we will take steps to delete it promptly.

13. Third-Party Links

Our website may contain links to third-party websites or services. This Privacy Policy does not apply to those external sites. We encourage you to review the privacy policies of any third-party services you access via our website. We are not responsible for the content, privacy practices, or data handling of third-party sites.

14. Changes to This Privacy Policy

We reserve the right to update or revise this Privacy Policy at any time to reflect changes in our practices, technology, legal requirements, or for any other reason.

Any material changes will be posted on this page with an updated effective date. Where required by law, we will provide more prominent notice (such as an email notification or an in-site banner). We encourage you to review this policy periodically. Continued use of our website or services after any changes constitutes your acceptance of the revised policy.

15. Governing Framework

This Privacy Policy is designed to be consistent with internationally recognised data protection principles, including but not limited to:

• The General Data Protection Regulation (GDPR) and UK GDPR, for users in the European Economic Area and United Kingdom
• The California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), for California residents
• The Personal Data Protection Act (PDPA) or equivalent legislation, for users in jurisdictions across Asia, the Middle East, and other regions
• The principles established under other applicable national and international data protection frameworks

Where specific regional laws grant you additional rights or impose additional obligations on us, those requirements will apply to the extent required by law, and this policy should be read in that context.

We do not target any single country or region exclusively, and this policy is deliberately drafted to apply universally across all jurisdictions we serve.

Certain services described on this website may not be available in all jurisdictions and may be subject to local legal or regulatory restrictions. Users are responsible for ensuring that their use of our services complies with applicable laws in their jurisdiction.

16. Contact Us

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

• Email: info@offshoreunipay.com
• Website: https://offshoreunipay.com/

We take all privacy enquiries seriously and aim to respond promptly and constructively.