Privacy Policy

What we collect, why we collect it, who sees it and what you can ask us to do about it.

1. Who is responsible

TORVEXX LLC is responsible for the personal information described in this policy. It applies to this website and to the Torvexx platform. For information about a merchant’s own customers that the merchant keeps in the platform, we act as a service provider to that merchant, who is responsible for informing its customers.

2. Information we collect

We collect only what we need to answer you and to run the platform:

• Contact details you give us — your name, email address, phone number, business name and the content of your message — when you write or call.
• Account information — details about you, your business and its owners that are needed to open and verify an account, and the bank account for payouts.
• Transaction information — data about the payments processed for a business through the platform, such as amounts, currencies, dates, the payment method used, and the buyer details needed for the payment and for fraud screening.
• Technical information — the servers that deliver this website may record data such as IP address, browser type and the pages requested, for security and reliability.

The contact form on this website does not send anything to us by itself: it opens your own email application with your message filled in, and we receive it only if you send that email.

3. How we use it

• to reply to your questions and requests;
• to open, verify and manage accounts;
• to provide the platform: payments, fraud screening, tax calculation, reporting, dispute handling, payouts and the CRM;
• to keep the website and the platform secure and to prevent fraud, money laundering and misuse;
• to meet our legal obligations.

We do not sell personal information, and we do not use it for advertising.

4. Who we share it with

We share personal information only where it is needed:

• with the regulated third-party payment providers and acquiring partners that process payments, hold funds and settle them, and with card schemes and banks involved in a payment;
• with fraud prevention and identity verification providers;
• with service providers that host or support the platform on our behalf, under confidentiality obligations;
• with authorities, where the law requires it or where it is necessary to protect our rights or the safety of others.

5. How long we keep it

We keep personal information for as long as it is needed for the purposes above, and for as long as the law requires records of financial transactions to be kept. After that it is deleted or made anonymous.

6. How we protect it

Payment data is encrypted with AES 256-bit encryption, and card payments are processed in line with the PCI DSS standard by our payment partners; full card numbers do not pass through merchants’ servers. Access to personal information is limited to those who need it to do their work. No system can be guaranteed to be completely secure, so please tell us at once if you suspect a problem with your account.

7. Your choices

You can ask us for a copy of the personal information we hold about you, ask us to correct it, or ask us to delete it, by writing to contact@torvexx.com. Depending on where you live, including under the Colorado Privacy Act or the GDPR, you may have further rights, such as objecting to some processing. We will answer within a reasonable time, and will not treat you differently for exercising your rights. Some information may have to be kept where the law requires it or where it is needed to complete a transaction or resolve a dispute.

8. International transfers

We are based in the United States. Where personal information is transferred from other countries, we rely on appropriate safeguards such as standard contractual clauses.

9. Cookies

See the Cookie Policy.

10. Children

This website and the platform are intended for businesses. They are not directed at children, and we do not knowingly collect personal information from anyone under 18.

11. Changes and governing law

We may update this policy. The current version is always on this page, with the date it was last changed.

This policy is governed by the laws of the State of Colorado, and any dispute relating to it is to be brought before the state or federal courts located in Colorado.