Privacy Policy

Last Updated: September 26, 2025

YouPay Pty Ltd, YouPay Inc, YouP Ltd (“YouPay,” “our,” “us,” or “we”) is committed to protecting the privacy and security of the information of our website visitors (“you”). We want you to understand how we collect and use information from our website youpay.co, youpay.ai, youpay.me and sub-domains (the “Site”), our mobile application (the “YouPay App”) and our related services, (together with the Site and the YouPay App, the “Services”) so you can interact with us with confidence. This Privacy Policy covers Personal Information collected directly on the Site, the YouPay App, and via email and/or in connection with the purchase of goods and/or services from a third-party merchant (“Merchant”) using the Services. By using the Services, you accept and agree to the practices this Privacy Policy describes. If you do not agree to any of the terms in this Privacy Policy, you should not use the Services.

What Information Do We Collect?

When you use our Services, whether directly or through a Merchant’s website or mobile application, we may collect, store, and process various kinds of data, including Personal Information about you. “Personal Information” refers to information about you that can be used to identify you, such as your name, address, telephone number, e-mail address, credit card information, or transaction information.

Specifically, we may collect, store, or process information when you:

Register for a YouPay account on the Services;

Purchase goods and/or services using the Services or on the website or mobile application of a Merchant;

Submit a form on the Site or the YouPay App;

Contact us with inquiries, including via an online form, by email, or by telephone;

Contact or communicate us by any other means;

Subscribe to our newsletter or otherwise sign up to receive communications;

Respond to a survey;

Enter contests or sweepstakes; or

Voluntarily provide information.

We may also collect:

Personal Information indirectly through Google Analytics, Facebook Pixels, and other common user tracking solutions to capture user session data; or

Anonymous usage data about our Service visitors, including the URL that the visitor came from, the browser being used, and the IP address.

We also reserve the right to collect anonymous usage data through other websites and online systems in order to provide you with a better user experience. See the section below called “How We Use Cookies” to learn more.

Why We Collect Information

We use your information for the following purposes:

To present our Services to you;

To manage your account with us;

To process transactions;

To personalize your experience;

To provide you with information, products or services, including customer service that you request from us;

To administer a contest, promotion, survey, or other Site feature;

To fulfill any other purpose for which you provide it;

To allow you to participate in any interactive features on our Services;

In any other way we may describe when you provide the information;

To improve our Services;

To perform analytics to learn about the behavior of our Service users;

To record information about your usage, preferences and behavior in relation to the Services, as well as any feedback provided by you;

When combined with the de-identified Personal Information of other > users (in which case such combined information will no longer be > personal) to analyze and develop products and services that suit > our users;

For any other purpose with your consent; or

To evaluate or conduct a merger, divestiture, restructuring, > reorganization, dissolution, or other sale or transfer of some or > all of our assets, whether as a going concern or as part of > bankruptcy, liquidation, or similar proceeding, in which Personal > Information held by us about our Site visitors is among the assets > transferred.

As a user of our Services, you may occasionally receive email, promotional material, or other updates from us about new information, briefings or products or services being offered by YouPay, or any of its related companies or business partners, or Merchants along with newsletters and any noteworthy changes to the Services. You may always unsubscribe and opt out from receiving these promotional/marketing update messages.

How We Use Tracking Technologies

We use cookies (small text files stored in your browser) and other techniques such as web beacons (small, clear picture files used to follow your online activities) (“Tracking Technologies”). Tracking Technologies collect information that tells us how you use our Site, web-related products and Services. The use of Tracking Technologies does not give us access to the rest of your computer.

This, in turn, helps us make our Services relevant to your interests and needs. We use a number of different Tracking Technologies, including functional, performance, advertising, and social media or content cookies. Please see the section “Choices About How We Use and Disclose Your Information” below for more information.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the Personal Information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising. Most browsers accept cookies automatically. You may be able to set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. For instructions, check your browser’s technical information. If you disable or refuse cookies, please note that some parts of this Site may then be inaccessible or not function properly. However, you can still place orders over the telephone or by contacting customer service. Please note that cookie-based opt outs must be performed on each device and browser that you wish to have opted out.

Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your Personal Information with unaffiliated or non-agent third parties for promotional purposes, you can always opt-out by logging into the Site and adjusting your user preferences in your account profile by checking or unchecking the relevant boxes or by sending us an e-mail stating your request to [email protected].

Promotional Offers from the Company. If you do not wish to have your e-mail address/contact information used by the Company to promote our own or third parties’ products or services, you can opt-out by clicking the unsubscribe link in the promotional email. This opt out does not apply to information provided to the Company as a result of a product purchase, warranty registration, product service experience or other transactions.

Targeted or Interest-Based Advertising. We may work with third-party advertising companies that collect and use information about your online activities across sites over time, in order to deliver more relevant advertising when you are visiting the Site and elsewhere on the Internet. This practice is known as interest-based advertising. The online advertising industry also provides websites from which you may opt-out of receiving targeted ads from our advertising partners that participate in self-regulatory programs. You can access these, and also learn more about targeted advertising and consumer choice and privacy at: www.networkadvertising.org/managing/opt_out.asp, www.youronlinechoices.eu/, or www.youradchoices.ca/, and www.aboutads.info/choices/. You can also opt-out of targeted advertising directly on the advertising platform by visiting https://www.facebook.com/settings/?tab=ads, https://www.google.com/settings/ads/anonymous, and https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads. Note that electing to opt out will not stop advertising from appearing in your browser or applications. It may make the ads you see less relevant to your interests. If you delete, block, or otherwise restrict cookies or use a different computer or Internet browser, you may need to renew your opt-out choice.

Google Analytics. We may use Google Analytics to improve our Site’s functions. You can choose not to be included in Google Analytics by visiting https://tools.google.com/dlpage/gaoptout.

“Do Not Track” Requests

Our Site currently does not respond to “do not track” or similar signals.

How Do We Share Your Personal Information?

Other than disclosure to service providers and Merchants (explained below) or as required by law, we do not give Personal Information to third parties unless we have disclosed the use in this Policy or you have expressly consented for us to do so.

We may disclose your Personal Information as follows:

With affiliates, contractors, service providers, and other third-parties we use to support our business on a need-to-know basis to allow the provision of the Services to you or as requested by you;

To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which Personal Information held by us about the Website users is among the assets transferred;

To enforce any agreement, including any applicable terms of service;

To establish or exercise our right to defend against legal claims;

To law enforcement and other government authorities such as legislatures, courts, agencies and litigants if we reasonably believe that such action is necessary to: (a) comply with the law and the reasonable requests of governmental authorities; (b) comply with legal process; (c) respond to requests from public or government authorities, including public or government authorities outside your country of residence; (d) protect the security or integrity of the Services’ information systems; and/or (e) exercise or protect our rights, privacy, safety or those of affiliates, clients, you or others; and

If we reasonably believe disclosure is necessary or appropriate to protect the rights, property, or safety of YouPay or others.

We may also share Personal Information with Merchants for marketing purposes, including via Google Analytics and Facebook pixels. Access to and use of Personal Information by Merchants is governed by their own privacy policies and all applicable law. Merchants are required to provide you with access to their terms and privacy policies.

Payment Information

After you use our Services, any payment details and/or credentials you have used to purchase the goods and/or services from the merchant will not be stored, kept, or maintained by us.

How Do We Protect Your Information?

To protect your Personal Information, we take commercially reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered, or destroyed. However, no data protection procedures are entirely infallible. As a result, while we strive to protect your Personal Information, we cannot guarantee that it will be 100% secure. Your transmission of your information to our Platform thus is done entirely at your own risk.

Third-Party Websites and Social Media

Our Site may contain links to other sites, including those of third parties or partners. While we seek to link only to sites that share our high standards and respect for privacy, we cannot be responsible for the privacy practices other websites use. By accessing other third party websites or applications through our Site, you are consenting to the terms and privacy policies of those websites. It is possible that other parties may collect personally identifiable information about your online activities over time and across different web sites when you use our Site.

Our Site may include social media features, such as Facebook “Likes” or “Recommend” buttons, Pinterest, Twitter, TikTok, Instagram, Snapchat, and YouTube. These social media features may require cookies to be set to function properly. These features may also collect Personal Information such as your IP address. These features are governed by the Privacy Policy of the social media platform. Please review the Privacy Policy of the social media platforms to learn how they protect your information.

Storage and Retention of Personal Information

All Personal Information collected is stored on secure servers at data centers in APAC and the US. By using the Services, you are consenting to the transfer of your Personal Information to other jurisdictions that may have different privacy laws and regulations than your jurisdiction.

We retain your Personal Information for as long as you maintain an open account with us of as otherwise necessary to provide you with our Services. In some cases, we retain Personal Information for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, or is otherwise permitted or required by applicable law, rule, regulation, or contract. We may further retain information in an anonymous or aggregated form where that information would not identify you personally.

California Visitors

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please send an email to [email protected].

European Union Visitors

Legal Basis for Processing

To process your Personal Information, we rely on the following legal bases:

For the performance of a contract we have with you (such as if you use the Services to request a product, we will use your information to fulfill that request).

For compliance with legal obligations to which we are subject (such as tax obligations and when we are obliged to comply with lawful requests from competent authorities, such as law enforcement).

For our legitimate interests (such as tailoring your experience with the Services and for fraud detection), provided that such processing does not outweigh your rights and freedoms.

The processing may also be pursuant to other applicable legal bases for data processing, as set forth in applicable law. To the extent a legal ground described above does not apply to processing of your Personal Information, we will seek your consent for such specific purpose in accordance with applicable law.

Your Rights

We want to make sure our European Union users are fully aware of all of your data protection rights. To the extent a specific element of our processing of your Personal Information relies upon your consent, you may withdraw such consent at any time with future effect. Such a withdrawal with not affect the lawfulness of the processing prior to the consent withdrawal.

Our users from the European Union are entitled to the following rights:

Access: you have the right to request copies of your Personal Information.

Rectification: you have the right to request that we correct any Personal Information about you that you believe is inaccurate. You may also request that we complete Personal Information that you believe is incomplete.

Erasure: you have the right to request that we erase your Personal Information, under certain circumstances.

Restrict Processing: you have the right to request that we restrict the processing of your Personal Information, under certain circumstances.

Object to Processing: you have the right to object to our processing of your Personal Information, under certain circumstances.

Data Portability: you have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you wish to make a request, please contact us by email: [email protected]. Please put “EU Data Subject Request” in the subject line.

You also have the right to lodge a complaint with a data protection authority for your country or region or where an alleged infringement of applicable data protection law occurs. A list of the data protection authorities is available here.

Data Transfers

For transfers from the European Economic Area (EEA) to countries not considered adequate by the European Commission, we have put in place adequate measures, such as standard contractual clauses adopted by the European Commission to protect your Personal Information. If you would like to obtain a copy of those measures, please contact us by email: [email protected].

Automated Decision Making

Automated decision making refers to a decision which is taken through the processing of your Personal Information with or without human involvement. This means processing using, for example, software code or an algorithm, which does not involve human intervention. We may use automated decision making to ensure that marketing materials are tailored to your preferences and to what we think you will be interested in. This does not have any significant effect, or a legal effect on you. In certain circumstances, it may be possible to infer certain information about you from the result of this decision making. Please note that you have certain rights in respected of automated decision making, including asking for certain automated decisions made without human involvement be reconsidered.

Users Only of Legal Age of Majority

Our Services are not intended for people under 18 years of age. If you are under 18, do not use or provide any information on this Services or on or through any of its features/register on the Services or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use.

Review and Correction of Your Information

You may review and edit the information we collected about you at any time by contacting us at the addresses listed at the end of this privacy policy. If your information has been shared with a third party, as described elsewhere in this Privacy Policy, then that third party has received its own copy of your data. If you have been contacted by one of these third parties and wish to correct or delete your information, please contact them directly.

Privacy Policy Updates

We update the Privacy Policy from time to time, so please review it regularly. If we materially change our Privacy Policy, we will notify you by contacting you through your provided e-mail address or by posting a notice on our Site. Your continued use of our Site will be deemed your agreement that your information may be used in accordance with the new policy. If you do not agree with the changes, then you should stop using the Site and notify us that you do not want your information used in accordance with the changes.

Contacting Us

We welcome any questions, comments, or complaints you may have regarding this Privacy Policy. Please do not hesitate to contact us by email at [email protected] or by writing to us:

2810 North Church Street PMB 30021 Wilmington, DE, 19802 US

Gift Cards

We resell gift cards from various gift card platforms (Gift Card Platforms). Gift cards purchased from YouPay and distributed from a Gift Card Platform are distributed under the Privacy Policy, Terms of Service, and Terms of Sale of the respective Gift Card Platform.

Gift Card Platforms and links to their Privacy Policy, Terms of Service, and Terms of Sale can be found below.

Prezzee Pty Ltd – Privacy Policy -Terms of Service – Terms of Sale

Runa Network Limited – Terms Of Use – Privacy Policy

SMS Terms

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Message frequency varies. Message and data rates may apply.

Reply STOP to cancel or Opt-Out or email [email protected]. Carriers are not liable for delayed or undelivered messages.