1. Who We Are

xPayzMarket is a proprietary product and brand of GKS Solutions FZCO (“GKS Solutions,” “we,” “us,” or “our”). This Privacy Policy explains how personal data is collected, used, disclosed, and protected when you access or use the xPayzMarket website, platform, applications, APIs, merchant dashboards, and related services (collectively, the “Services”). For the purposes of applicable data protection laws, including the General Data Protection Regulation (GDPR), the Brazilian General Data Protection Law (Lei Geral de Proteção de Dados – LGPD), and applicable United States privacy laws, GKS Solutions FZCO is the data controller responsible for personal data processed in connection with the Services.

2. Definitions

• “Personal Data” means any information relating to an identified or identifiable natural person.
• “Processing” means any operation performed on Personal Data, including collection, storage, use, disclosure, or deletion.
• “User” or “you” means any individual or entity accessing or using the Services.
• “Merchant” means a business user using xPayzMarket to create storefronts, catalogs, payment links, or orders

3. Scope of This Privacy Policy

This Privacy Policy applies to Personal Data collected through:

• The xPayzMarket website and platform
• Merchant and user accounts
• Communications and customer support
• Platform operations, analytics, and security

This Privacy Policy does not apply to third-party websites, services, or platforms that may be linked to or integrated with the Services. Those services are governed by their own privacy policies.

4. Personal Data We Collect

Depending on how you use the Services, we may collect the following categories of Personal Data:

5. How We Use Personal Data

Personal Data is processed for the following purposes:

• Operating and maintaining the Services
• Creating and managing accounts
• Platform security, fraud prevention, and abuse detection
• Compliance with legal and regulatory obligations
• Customer support and communications
• Improving functionality, reliability, and performance

All processing is conducted by or under the authority of GKS Solutions FZCO.

6. Legal Bases for Processing

Where required by applicable law, Personal Data is processed on one or more of the following bases:

• Performance of a contract with you
• Compliance with legal obligations
• Legitimate interests pursued by us or third parties
• Your consent, where applicable

7. Data Sharing and Disclosure

Personal Data may be disclosed to:

• Service providers acting on our behalf under contractual obligations
• Affiliated entities for operational and security purposes
• Regulated financial, compliance, or infrastructure partners
• Authorities or regulators where legally required

All disclosures occur under the responsibility and control of GKS Solutions FZCO and only to the extent permitted by law.

8. International Data Transfers

Personal Data may be processed in jurisdictions outside your country of residence where GKS Solutions FZCO or its service providers operate.

Where required, appropriate safeguards are implemented in accordance with GDPR, LGPD, and other applicable data protection laws.

9. Data Retention

Personal Data is retained only for as long as necessary to:

• Provide and operate the Services
• Comply with legal, regulatory, and accounting obligations
• Resolve disputes and enforce agreements
• Maintain platform security and integrity

Retention periods are determined and enforced by GKS Solutions FZCO.

10. International Data Transfers

We implement appropriate technical and organizational measures designed to protect Personal Data against unauthorized access, loss, misuse, alteration, or disclosure.

No system is completely secure, and users are responsible for maintaining the confidentiality of their account credentials.

11. Cookies and Similar Technologies

The Services use cookies and similar technologies for essential functionality, security, and performance measurement.

You may control cookie settings through your browser. Where required by law, consent mechanisms are provided.

12. Your Privacy Rights

Depending on your jurisdiction, you may have the right to:

• Access your Personal Data
• Correct inaccurate or incomplete data
• Request deletion of data, where permitted by law
• Restrict or object to certain processing
• Request data portability
• Withdraw consent where processing is based on consent

Requests may be submitted by contacting us at the address below.

13. U.S. State Privacy Disclosures

Where applicable under U.S. state privacy laws:

• We do not sell Personal Data for monetary consideration
• We do not discriminate against users for exercising privacy rights
• Users may request access, correction, or deletion of Personal Data as permitted by law

Requests may be submitted by contacting us at the address below.

14. Children’s Privacy

The Services are not directed to children, and we do not knowingly collect Personal Data from individuals under the age required by applicable law.

15. Contact Information

For questions or requests related to this Privacy Policy or Personal Data processing, please contact:
GKS Solutions FZCO
Email: support@xpayx.market

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in law, regulation, or platform operations. Updates will be posted with a revised “Last Updated” date.

16. Ownership and Intellectual Property

xPayzMarket is a product name and brand owned by GKS Solutions FZCO.