Effective Date: 01/18/2026

This Privacy Policy explains how Dubau Ventures, LLC DBA YapPay ("YapPay," "we," "our," or "us"), and a DBA of EPX (a registered ISO of BMO Harris Bank N.A., Chicago, IL, FFB Bank, Fresno, CA, and Citizens Bank N.A., Providence, RI), collects, uses, shares, and protects your information when you interact with our website https://yappay.app and affiliated pages (the “Site” or “Sites”).

1. Information We Collect

a. Information You Provide

When you fill out a form, request a demo, subscribe, or otherwise interact with our Site, we collect personal information like:

Name

Email address

Phone number

b. Information Collected Automatically

Through cookies and similar technologies, we may collect:

IP address

Device and browser details

Pages viewed

Time spent on site

Referring URLs

General location (via IP)

c. Information from Third Parties

We may collect additional data about you from:

Service providers (e.g., chat platforms, analytics tools)

Partners (e.g., lead sources or integrations)

Publicly available sources

2. How We Use Your Information

We may use the information we collect to:

Provide support and respond to inquiries

Improve the Site and user experience

Personalize content and communications

Analyze usage and optimize marketing

Deliver interest-based ads

Prevent fraud or security threats

Comply with legal obligations

We do not sell your personal information.

3. Sharing Your Information

We may share your data with:

NorthAB and EPX as required for merchant services

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

Business partners or affiliates for internal operations

Legal authorities when required by law or enforcement

Parties involved in a merger or acquisition

4. Cookies and Online Tracking

We and third-party vendors use cookies and similar tracking technologies for:

Site functionality

Analytics (e.g., Google Analytics, Hotjar)

Advertising (e.g., Meta, Google Ads)

Your choices:

Adjust browser settings to block cookies

Use our cookie management tool (see cookie icon on-site)

Opt out via Google or NAI

We do not currently respond to “Do Not Track” signals.

5. State Privacy Rights

Depending on where you live, you may have the right to:

Request access to your data

Correct or delete your personal information

Opt out of targeted advertising or sale/sharing

Limit the use of sensitive information

To exercise these rights, contact: [email protected]

6. International Users

If you access our Site from outside the U.S., your data may be transferred to and processed in the U.S., where data protection laws may differ from those in your country.

7. Security

We implement safeguards to protect your data. However, no digital system is 100% secure, and we cannot guarantee absolute security.

8. External Links and Tools

Our Site may include:

Links to third-party sites

Chat widgets or interactive features

These services may collect data independently. Their practices are governed by their own privacy policies.

9. Dispute Resolution & Arbitration

By using our Site, you agree that any disputes shall be resolved via binding arbitration in the State of Wyoming under the American Arbitration Association rules, unless otherwise agreed in writing.

10. Changes to This Policy

We may update this Privacy Policy at any time. Updates will be posted here with the new effective date. Continued use of the Site means you accept the revised policy.

11. Contact Us

Have questions? Email us at [email protected].