1. Introduction
MR1PAY ("MR1PAY," "we," "us," or "our") provides a global financial platform that lets individuals and businesses open accounts, hold multi-currency balances, send and receive money, convert currencies, order virtual and physical payment cards, and receive international payments through global account details.
This Privacy Policy explains what personal information we collect, why we collect it, how we use and share it, how long we keep it, and what choices you have. It applies to our website at mr1pay.com, our web application, customer support channels, and any related services that link to this policy.
By creating an MR1PAY account, using our services, or submitting information to us, you acknowledge that you have read and understood this Privacy Policy. If you do not agree, please do not use our services.
2. Who Is Responsible for Your Data
For the purposes of applicable data protection laws, MR1PAY is the data controller of the personal information described in this policy.
- Legal name: MR1PAY
- Website: https://mr1pay.com
- Support email: support@mr1pay.com
- Support phone: +20 127 432 6238
- Primary place of operation: Egypt
If you have questions or wish to exercise your privacy rights, contact us using the details above. We will respond within the time required by applicable law.
3. Scope of This Policy
This policy covers personal information we process when you:
- Visit our website or landing pages
- Create or manage an MR1PAY account
- Complete identity verification (KYC)
- Add funds, send money, convert currency, or withdraw balances
- Order or use MR1PAY virtual or physical cards
- Use global account details to receive payments
- Contact customer support
- Pay fees or purchase services through our checkout flows
This policy does not apply to third-party websites, apps, or payment platforms that may send funds to your MR1PAY account. Those services have their own privacy policies.
4. Information We Collect
4.1 Account and profile information
- Full name and preferred display name
- Email address
- Phone number
- Account username / MR1PAY handle
- Password or authentication credentials (stored in hashed or secured form)
- Language and account preferences
4.2 Identity verification (KYC) and compliance information
To comply with anti-money-laundering (AML), counter-terrorist financing (CTF), and know-your-customer (KYC) obligations, we may collect:
- Date of birth and nationality
- Residential address, city, and country
- Government-issued identification details and document numbers
- Photos or scans of identity documents (front, back, and selfie where required)
- Proof-of-address or supporting documents when needed
- Verification results, risk scores, and compliance notes
4.3 Financial, transaction, and account activity
- Wallet balances and currency holdings
- Transaction history, including sends, receives, FX conversions, deposits, and withdrawals
- Beneficiary details and transfer references
- Deposit method selections, payment references, and proof-of-payment uploads
- Card order details, delivery information, and card usage metadata
- Limits, fees, statements, and account status
4.4 Payment information
When you pay MR1PAY for card fees, deposits, or other services using a card or online checkout, payment processing is handled by trusted payment service providers, including Stripe, Inc. and its affiliates.
Stripe may collect payment card details, billing address, device information, and fraud prevention signals directly from you. We do not store full payment card numbers on our servers. We may receive limited payment metadata from Stripe, such as the last four digits of a card, card brand, payment status, transaction ID, and amount paid.
Stripe's handling of your information is governed by Stripe's Privacy Policy.
4.5 Card and banking partner data
Virtual and physical cards may be issued or processed through licensed banking, card-network, or payment partners. To provide card services, we may share and receive information such as card status, authorization records, merchant category, and dispute data. We do not expose full card numbers in our customer dashboard.
4.6 Device, log, and usage information
- IP address and approximate location derived from IP
- Browser type, operating system, and device identifiers
- Pages viewed, session duration, and interaction events
- Security logs, login timestamps, and fraud-prevention signals
- Cookies and similar technologies as described in Section 12
4.7 Communications
- Support tickets, emails, chat messages, and call records
- Feedback, complaints, and survey responses
- Notifications you choose to receive
4.8 Information from third parties
- Identity verification and fraud screening providers
- Payment senders such as platforms, marketplaces, or banks sending funds to your account
- Authentication providers if you choose social or single sign-on options
- Public databases, sanctions lists, and regulatory sources used for compliance screening
5. How We Use Your Information
We use personal information for the following purposes:
- Creating, authenticating, and managing your MR1PAY account
- Providing wallets, transfers, FX, deposits, withdrawals, cards, and global account services
- Verifying your identity and meeting legal, regulatory, and compliance obligations
- Processing payments and collecting fees through providers such as Stripe
- Preventing fraud, abuse, unauthorized access, and financial crime
- Monitoring service performance, troubleshooting, and improving our platform
- Communicating with you about transactions, security alerts, and service updates
- Providing customer support and resolving disputes
- Enforcing our terms, protecting our rights, and responding to lawful requests
- Sending marketing communications where permitted by law and your preferences
6. Legal Bases for Processing
Where applicable data protection laws require a legal basis, we rely on one or more of the following:
- Contract: processing needed to provide the services you request
- Legal obligation: processing required to comply with AML/KYC, tax, sanctions, and financial regulations
- Legitimate interests: securing our platform, preventing fraud, improving services, and supporting business operations, balanced against your rights
- Consent: where required for optional features, certain marketing, or specific document uploads
You may withdraw consent at any time where processing is based on consent, without affecting the lawfulness of processing before withdrawal.
8. International Data Transfers
MR1PAY serves users globally. Your information may be processed in Egypt and in other countries where we or our service providers operate, including countries that may have different data protection laws than your home country.
Where required, we implement appropriate safeguards for cross-border transfers, such as standard contractual clauses, vendor security requirements, and data minimization.
9. Data Retention
We retain personal information only for as long as necessary to provide services, meet legal and regulatory obligations, resolve disputes, and enforce agreements.
- Account and profile data: retained while your account is active and for a reasonable period after closure
- KYC and compliance records: typically retained for the period required by applicable financial regulations, which may be several years after account closure
- Transaction records: retained as required for accounting, tax, audit, and regulatory purposes
- Support communications: retained as needed to resolve issues and improve service quality
- Marketing preferences: retained until you opt out or delete your account, as applicable
When retention is no longer required, we delete or anonymize information using commercially reasonable methods.
10. Security
We use administrative, technical, and organizational measures designed to protect personal information, including encryption in transit, access controls, monitoring, and secure development practices.
No method of transmission or storage is completely secure. You are responsible for keeping your login credentials confidential and notifying us promptly if you suspect unauthorized access to your account.
11. Your Rights and Choices
Depending on your location, you may have some or all of the following rights:
- Access: request a copy of the personal information we hold about you
- Correction: request correction of inaccurate or incomplete information
- Deletion: request deletion of information, subject to legal retention requirements
- Restriction: request that we limit certain processing activities
- Portability: request a structured copy of information you provided, where applicable
- Objection: object to processing based on legitimate interests or direct marketing
- Withdraw consent: where processing is based on consent
- Complaint: lodge a complaint with a supervisory authority in your jurisdiction
To exercise these rights, email support@mr1pay.com. We may need to verify your identity before responding. We aim to respond within 30 days, or sooner where required by law.
You can update certain account details directly in your MR1PAY dashboard. You may also opt out of non-essential marketing emails by using the unsubscribe link in those messages.
13. Children's Privacy
MR1PAY is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, contact us and we will take appropriate steps to delete it.
14. Third-Party Links and Services
Our website may contain links to third-party websites or services, including payment platforms, marketplaces, and social sign-in providers. We are not responsible for the privacy practices of those third parties. We encourage you to review their policies before providing personal information.
15. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or business practices. When we make material changes, we will post the updated policy on this page and update the effective date above. Where required, we will provide additional notice by email or in-app notification.
Your continued use of MR1PAY after the effective date of an updated policy constitutes acceptance of the revised policy, except where applicable law requires explicit consent.
16. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, contact us:
- Email: support@mr1pay.com
- Phone: +20 127 432 6238
- Website: https://mr1pay.com/privacy
For Stripe payment-related privacy questions, you may also review Stripe's Privacy Policy or contact Stripe directly regarding information they collect as an independent payment processor.