Privacy Policy

1. Introduction

NexviaOneLink LLC ("NexviaOneLink," "we," "us," or "our") operates the OneLink Pay platform, a business-to-business payment and treasury management service. This Privacy Policy describes how we collect, use, disclose, and protect information in connection with our platform, website, and related services (collectively, the "Services").

This policy applies to all users of our Services, including businesses, their authorized representatives, and visitors to our website. By accessing or using our Services, you acknowledge that you have read and understood this Privacy Policy.

We are committed to protecting the privacy and security of the information entrusted to us. As a B2B fintech platform, we handle sensitive business and financial data with the highest standards of care and in compliance with applicable laws and regulations.

2. Information We Collect

2.1 Personal Information

We collect personal information from authorized representatives and beneficial owners of businesses that use our Services. This includes full legal name, email address, phone number, date of birth, job title, and government-issued identification documents. This information is required to verify your identity and comply with applicable Know Your Business (KYB) and anti-money laundering (AML) regulations.

2.2 Business Information

We collect information about the businesses that apply for and use our Services, including company legal name, registration number, jurisdiction of incorporation, business address, articles of incorporation, operating agreements, ownership structure, and Ultimate Beneficial Owner (UBO) information. We may also collect business licenses, tax identification numbers, and other documentation required for compliance review.

2.3 Financial Information

In the course of providing our Services, we collect financial information such as bank account details, transaction histories, invoice records, payment instructions, wallet addresses, and balance information. This data is necessary to process transactions, manage funds, and maintain accurate records for compliance and audit purposes.

2.4 Technical Information

When you access our website or platform, we automatically collect certain technical information, including your IP address, browser type and version, device type, operating system, referring URLs, and pages visited. We also collect timestamps of access and usage patterns. This information helps us maintain the security and performance of our Services and detect potentially fraudulent activity.

3. How We Use Information

We use the information we collect for the following purposes:

• Service Delivery: To provide, operate, and maintain our B2B payment platform, including processing transactions, managing balances, facilitating stablecoin conversions, and enabling payouts.
• KYB and AML Compliance: To verify the identity of businesses and their authorized representatives, conduct due diligence on beneficial owners, screen against sanctions lists, and fulfill our obligations under applicable anti-money laundering and counter-terrorism financing regulations.
• Transaction Processing: To process deposits, conversions, payouts, and other payment instructions submitted through our platform, including verifying invoice documentation and payer information.
• Communication: To communicate with you regarding your account, transactions, policy updates, security alerts, and service-related announcements.
• Fraud Prevention and Security: To detect, investigate, and prevent fraudulent transactions, unauthorized access, and other illegal activities. We employ transaction monitoring, risk scoring, and other security measures to protect our platform and users.

4. Information Sharing

We do not sell your personal or business information. We may share information in the following limited circumstances:

4.1 Infrastructure Partners

We share necessary information with our third-party infrastructure partners who provide payment processing, banking, stablecoin custody, and related financial services. These partners require certain business and transaction information to facilitate deposits, payouts, and conversions on our platform. All data sharing with infrastructure partners is limited to what is necessary to provide the requested services.

4.2 Regulators and Law Enforcement

We may disclose information to government authorities, regulators, or law enforcement agencies when required by law, regulation, legal process, or governmental request. This includes filing suspicious activity reports and responding to valid subpoenas, court orders, or regulatory examinations.

4.3 Service Providers

We engage third-party service providers to assist with functions such as identity verification, sanctions screening, cloud hosting, data analytics, and customer support. These service providers are contractually obligated to protect the confidentiality and security of your information and may only use it for the purposes specified in their agreements with us.

5. Data Security

We implement industry-standard technical and organizational measures to protect the information we collect and process. These measures include encryption of data in transit and at rest, strict access controls based on the principle of least privilege, regular security assessments, and continuous monitoring of our systems for vulnerabilities and unauthorized access.

While we strive to protect your information, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security, but we are committed to maintaining safeguards that are appropriate to the sensitivity of the information we handle and consistent with industry best practices for financial services platforms.

6. Data Retention

We retain your information for as long as necessary to provide our Services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. Financial services regulations may require us to retain certain records, including transaction data, identity verification documents, and compliance records, for a minimum period following the termination of your account.

When information is no longer required for any of these purposes, we will securely delete or anonymize it in accordance with our data retention policies and applicable law.

7. Your Rights

Depending on your jurisdiction, you may have certain rights with respect to your personal information, including the right to access the information we hold about you, the right to request correction of inaccurate information, and the right to request deletion of your information. To exercise any of these rights, please contact us using the information provided below.

Please note that certain requests may be subject to limitations. For example, we may be unable to delete information that we are required to retain by law or that is necessary for legitimate compliance purposes, such as anti-money laundering record-keeping obligations. We will respond to all valid requests within the timeframe required by applicable law.

8. Cookies and Tracking

Our website and platform use minimal, functional cookies that are necessary to operate the Services, maintain your session, and ensure security. These cookies do not track you across third-party websites and are not used for advertising purposes.

We may use basic analytics to understand how our Services are used and to improve performance. Any analytics data collected is aggregated and does not identify individual users. We do not use third-party advertising trackers or social media tracking pixels on our platform.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by posting the updated policy on our website with a revised effective date. We may also notify you via email or through the platform for significant changes.

Your continued use of the Services after any changes to this Privacy Policy constitutes your acceptance of the updated policy. We encourage you to review this page periodically to stay informed about how we collect, use, and protect your information.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: