Privacy Policy

Multipay (“we”, “our”, “us”) is committed to protecting your privacy and ensuring that your personal information is handled in a safe, transparent and compliant manner. This Privacy Policy explains how we collect, use, store and disclose your information when you use our website, platform, mobile services or any cross-border payment and settlement services we provide. By accessing or using our services, you agree to the terms of this Privacy Policy.

1. Information We Collect

1.1 Personal Identification Information
We may collect personal identification details such as full name, date of birth, residential address, identification documents including passport, national ID or driver’s licence, and contact information including email and phone number.

1.2 Financial and Transaction Information
We may collect financial information necessary for providing services, including bank account details, transaction history, payment instructions, settlement details and currency preferences.

1.3 Compliance and Verification Information
To comply with AML/CTF regulations, we may collect identity verification documents, source of funds or source of wealth information, risk assessment details, KYC or KYB information and enhanced due diligence documentation.

1.4 Technical and Usage Data
We may collect technical data such as IP address, browser and device information, pages visited, access times, interactions with our platform and cookies or analytics information.

1. How We Use Your Information
   We use your information to process cross-border payments and settlements, maintain user accounts, send confirmations or notifications, comply with legal and regulatory obligations including AUSTRAC AML/CTF requirements, prevent fraud, improve our services and provide customer support.

2. Legal Basis for Processing
   We process personal information based on compliance with AML/CTF laws, performance of contractual obligations, legitimate business interests and user consent where applicable.

3. Data Storage and Security
   We use industry-standard security measures including encryption, secure servers, access controls, multi-factor authentication and periodic audits. We retain information only as required by law, regulation or business necessity.

4. Sharing and Disclosure of Information
   We may share information with regulatory bodies such as AUSTRAC when legally required. We may share information with financial institutions and settlement partners for transaction processing, with service providers supporting identity verification, cloud storage, IT security or analytics, and with legal authorities if required by law. We do not sell or trade your personal information.

5. International Data Transfers
   Your information may be transferred to or stored in Australia, Singapore, Hong Kong, the United Arab Emirates, the European Union or the United States. We ensure that international transfers meet applicable data protection requirements.

6. Your Rights
   You may have the right to access your personal information, request correction of inaccurate data, request deletion when legally permitted, restrict processing, withdraw consent where applicable or request a copy of your data. To exercise these rights, contact us at admin@mfgpay.com.

7. Cookies and Tracking Technologies
   We may use cookies to enhance functionality, personalize content and analyze usage. You may disable cookies through your browser settings; however, certain site features may not function properly.

8. Changes to This Privacy Policy
   Multipay may update this Privacy Policy from time to time. Changes will be posted on this page with the updated effective date. The effective date of this version is 1 January 2026.

9. Contact Us
   Multipay – Privacy Officer
   Email: admin@mfgpay.com
   Website: www.mfgpay.com