Privacy Policy

Loispay – Privacy Policy

August 2025

Executive Summary

At Loispay, your privacy and trust are our highest priorities. We are committed to protecting your personal and financial data with the same rigor as the world’s top financial institutions.

We never sell your data.
We use your data only for providing secure Carding and compliance services.
We comply with global privacy regulations, including GDPR, CCPA, and FATF standards.
This policy explains how we collect, use, share, and protect your data when you use our services.

Introduction

Loispay (“Loispay,” “we,” “our,” or “us”) provides a global e-Carding platform that includes fiat services, stablecoin services, loans, and virtual credit cards. This Privacy Policy describes how we handle personal information in connection with these services.

By using Loispay, you consent to this Privacy Policy.

Scope of Application

This policy applies to:

All customers of Loispay.
All Loispay websites, applications, and online Carding platforms.
All account-related processes, including deposits, withdrawals, loans, and card services.

Information We Collect

We collect and process the following categories of data:

Personal Information

Full name, date of birth, nationality, gender.
Contact details (address, phone number, email).
Identification documents (passport, driver’s license, national ID).
Biometric information for verification.

Financial Information

Card account details (IBAN, SWIFT).
Stablecoin wallet addresses.
Virtual credit card details and usage data.
Loan applications and repayment history.

Technical Data

Device type, IP address, browser type.
Cookies, session activity, geolocation.

Compliance Data

KYC verification results (Persona, Sumsub).
Transaction monitoring and risk scores (Elliptic, Crystal Intelligence).
Sanctions screening results.

Use of Information

Your data is used for:

Account services – deposits, withdrawals, loans, cards.
Compliance – AML/CTF, KYC/KYT, Travel Rule.
Risk management – fraud prevention, credit scoring, transaction monitoring.
Service improvement – feature development, analytics.
Legal requirements – regulatory reporting, audits.
Communications – notifications, updates, support responses.
Marketing (with consent) – optional updates about new products or promotions.

Automated Decision-Making & Profiling

Loispay uses automated systems to assess risks, including:

Transaction risk scoring.
Fraud alerts and sanctions screening.
Creditworthiness assessments for loans.
Customers have the right to request human review of automated decisions.

Information Sharing

We share your data with:

Regulators and authorities (FIUs, law enforcement, courts).
KYC/KYT providers (Persona, Sumsub, Elliptic, Crystal Intelligence).
Payment processors (PayPal, CoinPayments, card networks, Cards).
Service providers (cloud hosting, IT security, analytics).
Loispay affiliates and subsidiaries.

We do not sell or rent your personal information.

Data Storage & Retention

Personal and transactional records are retained for 7 years minimum under AML rules.
Data is stored in encrypted databases with strict access controls.
Cross-border transfers: If data is transferred outside the EU/EEA, we apply GDPR Standard Contractual Clauses (SCCs) or rely on adequacy decisions to safeguard your rights.

Children’s Data

Loispay does not offer services to persons under 18. We do not knowingly collect or process data of minors. Accounts found to be linked to minors will be closed.

Cookies & Tracking

Cookies help us remember preferences, enhance performance, and secure logins.
Customers may disable cookies in their browser, though some services may be limited.

Data Security

We apply tier-one security standards:

End-to-end encryption (SSL/TLS).
Multi-layer firewalls and intrusion detection systems.
Multi-factor authentication (OTP, 2FA).
Regular penetration testing and audits.

Data Breach Notifications

In the unlikely event of a data breach affecting your information:

We will notify affected customers promptly.
We will inform relevant regulators (as required by GDPR, within 72 hours).

Your Rights

Under GDPR, CCPA, and other regulations, you have the right to:

Access your personal data.
Correct inaccurate or incomplete data.
Request deletion where legally possible.
Restrict processing in certain circumstances.
Portability: transfer data to another provider.
Object to processing for marketing or profiling.

Requests can be sent to info@loispay.com or open new ticket.

Marketing & Communication Preferences

We will only send marketing messages with your explicit consent.
You may withdraw consent anytime via account settings or the unsubscribe link.
Transactional and compliance-related messages cannot be opted out of.

Cardholder Data Privacy

For Virtual Credit Card holders:

Card data is encrypted and tokenized.
Loispay will never request PINs, CVV codes, or 2FA codes by email or phone.
Fraudulent use of cards must be reported immediately.

Employee Confidentiality

Employees with access to customer data are bound by confidentiality agreements. Breaches result in termination and possible prosecution.

Policy Updates

This Privacy Policy is reviewed quarterly and updated in line with:

New laws and regulations.
New Loispay products and services.
Evolving risk and cybersecurity standards.

The latest version will always be available at www.loispay.com.

Contact Us

For privacy questions or complaints:
info@loispay.com or open new ticket