MernaPay
MernaPay
Sign Up
Back to home

Privacy Policy

Effective date: July 22, 2026. MernaPay LLC ("MernaPay," "we," "us," or "our") respects your privacy and is committed to protecting your personal information.

This Privacy Policy describes how MernaPay LLC collects, uses, discloses, and safeguards information when you visit our website, create an account, or use our services (collectively, the "Services"). By using the Services, you agree to the practices described in this policy.

1. Information we collect

We may collect the following categories of information:

  • Account information: Name, email address, password credentials, and profile details you provide during registration or onboarding.
  • Identity and verification information: Information submitted for account verification, which may include government-issued identification details where required.
  • Financial and transaction information: Wallet balances, deposit records, virtual card activity, cashback calculations, and related transaction metadata.
  • Technical information: IP address, browser type, device identifiers, operating system, and usage data collected through cookies and similar technologies.
  • Communications: Messages you send to our support team, including contact form submissions and email correspondence.

2. How we use information

We use collected information to:

  • Provide, operate, and maintain the Services;
  • Create and manage your account, wallet, and virtual cards;
  • Process deposits, card transactions, and cashback credits;
  • Verify identity and prevent fraud or unauthorized access;
  • Communicate with you about your account, updates, and support requests;
  • Improve our platform, security, and user experience;
  • Comply with legal obligations and enforce our Terms of Service.

3. Cookies and similar technologies

We use cookies and similar tracking technologies to maintain sessions, remember preferences, analyze usage patterns, and improve the Services. You can control cookies through your browser settings, though disabling certain cookies may affect functionality.

We may use essential cookies required for authentication and security, as well as analytics cookies that help us understand how the platform is used.

4. How we share information

We do not sell your personal information. We may share information with service providers who assist us in operating the Services (such as hosting, authentication, and infrastructure providers), when required by law, or to protect the rights, property, or safety of MernaPay, our users, or others.

Information may also be shared in connection with a merger, acquisition, or sale of assets, subject to appropriate confidentiality protections.

5. Security

We implement administrative, technical, and organizational measures designed to protect your information, including encrypted connections, access controls, and activity logging. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Data retention

We retain personal information for as long as necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer required, we take steps to delete or anonymize it in accordance with our retention policies.

7. Your rights

Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict the processing of your personal information, as well as the right to data portability or to object to certain processing. To exercise these rights, contact us using the information below.

We may need to verify your identity before responding to certain requests. We will respond within a reasonable timeframe as required by applicable law.

8. International users

If you access the Services from outside the United States, your information may be processed and stored in the United States or other countries where our service providers operate. By using the Services, you consent to such transfers.

9. Children

The Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us.

10. Changes to this policy

We may update this Privacy Policy from time to time. We will post the revised policy on this page and update the effective date. Continued use of the Services after changes constitutes acceptance of the updated policy.

11. Contact

For privacy-related questions or requests, contact MernaPay LLC at support or email privacy@mernapay.com.