⭐ ANCHORPAY — PRIVACY POLICY

1. INTRODUCTION

This Privacy Policy explains how AnchorPay collects, uses, discloses, stores, and protects personal information when you use the Service.

By creating an account or using AnchorPay, you agree to the collection and handling of your information as described in this Policy.

AnchorPay is committed to complying with the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs).

2. INFORMATION WE COLLECT

AnchorPay collects the following categories of information:

2.1 Personal Information You Provide

• Name
• Email address
• Phone number
• Date of birth
• Optional profile details
• Identity verification information (if required)
• Evidence submitted during disputes (photos, screenshots, messages, etc.)
• Communications sent to AnchorPay support or moderation

2.2 Transaction Information

Processed via Stripe:

• deposit amounts
• payment method details (AnchorPay never sees full card numbers)
• transaction history
• payout status
• chargeback notifications
• fraud analysis results from Stripe

2.3 Usage Information

Automatically collected to operate and secure the Service:

• device type
• IP address
• operating system
• app interaction data
• crash logs
• access times
• navigation behaviour within the app

2.4 Information About Other Users You Transact With

AnchorPay may store or provide:

• the other user’s profile details
• your transaction and dispute history with them
• submitted evidence
• communication within the platform

2.5 Fraud Prevention Data

Collected to protect users and maintain platform integrity:

• device fingerprinting
• behavioural risk signals
• unusual login or transaction patterns
• attempted policy violations
• flagged activity from Stripe

3. HOW WE USE YOUR INFORMATION

AnchorPay uses personal information for the following purposes:

3.1 Platform Operation

• account creation and management
• processing deposits and payouts through Stripe
• logging transaction activity
• enabling communication between users
• maintaining a secure payment environment

3.2 Dispute Handling

To review disputes, AnchorPay may:

• analyse evidence provided by both parties
• review communication logs
• determine a deposit outcome
• record reasoning and decisions

Moderators may access data required to evaluate a case fairly.

3.3 Fraud Prevention and Security

AnchorPay may use information to:

• identify suspicious actions
• prevent scams and misuse
• investigate fraudulent behaviour
• meet Stripe’s risk-management requirements
• enforce platform rules

3.4 Legal Compliance

AnchorPay may use or disclose data to:

• comply with the Privacy Act 1988
• respond to valid legal requests
• satisfy law enforcement obligations
• meet anti-money laundering (AML) expectations
• comply with Stripe investigations

3.5 Service Improvement

AnchorPay may use anonymised or aggregated data to develop new features, improve stability, and analyse platform usage trends. This data does not identify individual users.

4. HOW WE SHARE YOUR INFORMATION

AnchorPay shares information only as required to operate the Service or comply with law.

4.1 With Stripe (Payment Processor)

Stripe receives:

• your name
• email
• IP address
• device information
• transaction data
• fraud detection signals

Stripe processes all payments on AnchorPay’s behalf.

4.2 With Other Users

Only limited information is shared:

• your name or chosen display information
• evidence you submit for disputes
• communication relevant to a transaction

Sensitive personal data is not shared.

4.3 With Moderators and Support

Moderators may access:

• dispute submissions
• communication logs
• transaction metadata
• history of interactions with other users

This is required to reach fair platform-level outcomes.

4.4 With Service Providers

AnchorPay may share data with:

• hosting platforms (e.g., Google Cloud / Firebase)
• analytics tools (anonymous only)
• identity verification providers (if used)
• fraud and risk detection systems

These providers only access data required to perform their role.

4.5 With Law Enforcement or Regulators

AnchorPay may disclose information:

• if required by Australian law
• in response to valid legal requests
• where necessary to prevent harm, fraud, or illegal activity

4.6 Business Transition

If AnchorPay transitions into a registered company in the future or undergoes structural change, user data may transfer as part of platform ownership, consistent with privacy laws.

5. DATA STORAGE & SECURITY

AnchorPay uses industry-standard protections including:

• encrypted network communication (HTTPS)
• secure Firestore/Firebase data storage
• role-based access for moderators
• Stripe’s secure payment tokenisation
• continuous fraud monitoring

However, no online service can guarantee absolute security. By using AnchorPay, you acknowledge these inherent risks.

6. DATA RETENTION

AnchorPay stores data:

• as long as required to operate your account
• as required for transaction records
• as needed for dispute resolution
• as needed to comply with legal obligations or audits
• as long as reasonably necessary for fraud prevention

Data no longer required is deleted or anonymised.

7. YOUR RIGHTS

Depending on your jurisdiction, you may request:

• access to your personal information
• correction of inaccurate data
• deletion of data (unless required for legal reasons)
• details about how information is shared
• restriction of certain data uses (where permitted)

Requests may be denied if deletion or modification would:

• interfere with dispute resolution
• violate law enforcement requirements
• compromise fraud prevention
• erase necessary financial records

To submit a request, contact:
Email: [Insert your support or privacy email]

8. CHILDREN’S PRIVACY

AnchorPay is intended for adults aged 18 and over. If it is discovered that a user is a minor, the account will be terminated and personal information removed.

9. INTERNATIONAL DATA TRANSFERS

Data may be stored or processed in:

• Australia
• the United States
• Europe
• regions where service providers operate

By using AnchorPay, you consent to these transfers as permitted under applicable law.

10. ESSENTIAL COMMUNICATIONS

AnchorPay may send system notifications such as:

• deposit updates
• dispute alerts
• account security warnings
• policy changes
• verification requirements

These messages are mandatory for safe platform operation. Marketing communication (if implemented) will require explicit opt-in consent.

11. CHANGES TO THIS PRIVACY POLICY

AnchorPay may update this Privacy Policy periodically. You will be notified of significant changes through in-app messages, or email notifications (if provided).

Continued use of the Service after updates constitutes acceptance of the revised policy.

12. CONTACT INFORMATION

For questions, privacy requests, or concerns:

• Email: [Insert contact email]
• Address: [Insert Australian address or PO box, optional]