Effective Date: 03/04/2026

YapPay® (“YapPay,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how YapPay®, a registered trademark of Dubau Ventures, LLC, collects, uses, discloses, and safeguards your information when you visit our website at https://yappay.app and any affiliated pages (collectively, the “Site”).

By accessing or using the Site, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

1.1 Information You Provide to Us

When you interact with the Site, we may collect personal information that you voluntarily provide, including:

• Name

• Email address

• Phone number

• Business name and related business information

• Communications submitted through forms, email, or chat

1.2 Information Collected Automatically

When you visit the Site, certain information may be collected automatically through cookies and similar technologies, including:

• IP address

• Device type and browser information

• Pages visited and time spent on the Site

• Referring or exit URLs

• Approximate geographic location derived from IP address

1.3 Information from Third Parties

We may receive information about you from third parties such as:

• Service providers (e.g., analytics platforms, CRM systems, communication tools)

• Business partners or integrations

• Publicly available sources

2. How We Use Your Information

We use the information we collect for purposes that include:

• Providing and operating our services

• Responding to inquiries and providing customer support

• Improving and optimizing the Site and user experience

• Personalizing communications and content

• Analyzing usage trends and marketing performance

• Detecting, preventing, and addressing fraud or security issues

• Complying with legal, regulatory, and contractual obligations

We do not sell personal information.

3. Sharing and Disclosure of Information

We may share information with:

• Payment processors, registered Independent Sales Organizations, and sponsoring financial institutions as necessary to provide payment processing services

• Service providers that support our operations, such as hosting, analytics, communications, and customer management

• Business partners or affiliates solely for internal business purposes

• Legal or regulatory authorities when required by law, subpoena, or legal process

• Parties involved in a merger, acquisition, financing, or sale of assets

4. Payment Processing and Financial Data

YapPay provides access to payment processing services through partnerships with registered Independent Sales Organizations and sponsoring acquiring banks. YapPay does not store full credit card numbers or sensitive cardholder data. Payment information is processed securely by PCI DSS compliant third party providers. Sponsoring banks do not endorse or assume responsibility for the products or services provided by YapPay.

5. Cookies and Online Tracking Technologies

We and third party vendors may use cookies and similar technologies to:

• Enable Site functionality

• Analyze traffic and usage patterns

• Improve marketing and advertising effectiveness

You may control cookies through your browser settings or available cookie preference tools. Disabling cookies may limit certain Site features. We do not currently respond to “Do Not Track” signals.

6. Your Privacy Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including the right to:

• Request access to the personal information we hold about you

• Request correction or deletion of your personal information

• Object to or restrict certain data processing activities

• Opt out of targeted advertising where applicable

California residents may have rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). European residents may have rights under the General Data Protection Regulation (GDPR).

Requests may be submitted by emailing [email protected].

7. International Users

If you access the Site from outside the United States, your information may be transferred to and processed in the United States, where data protection laws may differ from those in your country of residence.

8. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Third Party Websites and Tools

The Site may contain links to third party websites or include third party tools such as chat widgets or embedded services. These third parties operate independently and have their own privacy practices. We are not responsible for the content or privacy practices of third party sites or services.

10. Dispute Resolution

By using the Site, you agree that any disputes arising out of or relating to this Privacy Policy shall be resolved through binding arbitration in the State of Wyoming, in accordance with the rules of the American Arbitration Association, unless otherwise agreed in writing.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Continued use of the Site after changes are posted constitutes acceptance of the revised Privacy Policy.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at [email protected].

YapPay® is a registered trademark of Dubau Ventures, LLC.