Privacy Policy

This Privacy Policy explains how Jarwin, Inc. DBA InFlow (“InFlow,” “we,” “us,” or “our”) collects, uses, and protects your information when you use our products, websites, SDKs, MCPs, APIs, and mobile applications (collectively, the “Services”). By using the Services, you agree to this Privacy Policy. If you do not agree, please do not use the Services. For details on your legal rights and responsibilities when using the Services, please review our Terms of Service.

1. Who We Are

InFlow provides payment and wallet infrastructure that allows developers, merchants, and AI systems to send, receive, and manage transactions. Our primary website is www.inflowpay.ai.

2. Eligibility and Accounts

a. Account and Identity Information

— Name, email, and contact details.
— Business or organization information (for merchants and developers).
— Identity verification data such as government identification or proof of address.
— Device, browser, and system information used to access the Services.

b. Transaction and Payment Information‍

— Transaction amounts, currencies, counterparties, and timestamps.
— Wallet or account identifiers.
— Payment authorization and confirmation records.
— Billing and plan information displayed in your InFlow dashboard, including subscription type, usage limits, and payment status.

c. Usage Information

— How you use our website, product dashboard, SDK, MCP, and mobile app, including IP addresses, log files, and diagnostic details.

d. Communication Information

— Content of messages you send to us and related metadata.

3. How We Use Information

We use data to:

— Provide and operate the Services, including payments, wallets, and integrations.
— Prevent fraud and ensure security by monitoring transactions and detecting unauthorized activity.
— Comply with legal obligations, including AML, sanctions screening, and identity verification.
— Improve our Services by analyzing anonymized or aggregated usage trends.
— Communicate with you about updates, technical issues, and customer support.
— Develop and enhance features based on legitimate and anonymized insights.

4. How We Do Not Use Information

We do not sell your personal information. We do not use customer or transaction data to train AI models unrelated to providing the Services. We do not share personal data with third parties for their own marketing or analytics.

5. Transaction and Fraud Review

We may review and analyze transaction and usage data to detect fraud, ensure compliance, improve performance, and identify legitimate usage patterns consistent with standard financial-services practices.

For reporting and product improvement, we may also use aggregated or anonymized data that cannot reasonably identify you or your business.

6. Cookies and Similar Technologies

We use cookies and similar technologies to operate, secure, and improve our Services. Cookies allow us to:

— Keep you signed in and maintain session integrity
— Remember preferences and improve usability
— Detect and prevent fraud or abuse
— Measure aggregated performance and usage trends

You can control cookies through your browser settings. Blocking certain cookies may limit functionality.

We do not use cookies for advertising or to track users across unrelated websites.

Essential cookies may be required for authentication, security, or core features.

7. Sharing Information

We share data only when necessary to operate the Services or comply with the law. This includes:

— Financial partners and payment processors who move funds or verify identities
— Service providers for hosting, storage, and security operations
— Regulators and law enforcement when required by law or subpoena
— Corporate transactions if InFlow merges, is acquired, or sells assets (subject to confidentiality obligations)

All third parties must use data only as instructed by InFlow and not for their own purposes.

8. Data Retention

We retain personal and transactional data as long as needed to provide the Services, meet regulatory requirements, and prevent fraud. When data is no longer required, we securely delete or anonymize it.

9. Security

We use industry-standard security measures, including encryption in transit and at rest, access controls, and continuous monitoring. No system is completely secure, but we work continuously to safeguard your information and mitigate risk.

10. Your Rights and Choices

Depending on your location, you may have rights to:

— Access or request a copy of your data
— Request correction or deletion
— Object to or limit specific processing
— Withdraw consent, where applicable

To exercise these rights, contact privacy@inflowpay.ai. We may need to verify your identity before completing a request.

11. International Data Transfers

InFlow is based in the United States. If you access our Services from outside the U.S., your data may be processed in countries with different privacy laws. We use contractual and technical safeguards to protect your information wherever it is processed.

12. Children’s Privacy

Our Services are not directed to individuals under 18. We do not knowingly collect personal data from children. If we learn that a child’s information has been collected, we will delete it promptly.

13. Updates to This Policy

We may update this Privacy Policy from time to time. The Last updated date above shows when it was last revised. Material changes will be posted on www.inflowpay.ai/privacy.

14. Contact

For questions or privacy-related requests, contact:

Jarwin, Inc. DBA InFlow
Email: support@inflowpay.ai
Website: www.inflowpay.ai