1. Information We Collect

Futurum Systems collects information necessary to provide our payment gateway services. This includes: personal information (name, email address) provided during account registration; business information (business name, website URL, business type) for merchant accounts; payment information (debit card details, billing addresses) processed during transactions; identity verification data collected through Plaid integration; and usage data (IP addresses, browser type, access times) collected automatically.

2. How We Use Your Information

We use collected information to: process payment transactions and settlements; verify identities through Plaid for fraud prevention; manage merchant accounts and subscriptions; provide customer support and respond to ; send transaction confirmations and settlement notifications; improve our Service and develop new features; comply with legal obligations and regulatory requirements; and detect and prevent fraudulent or unauthorized activities.

3. Payment Data Security

We implement industry-standard security measures to protect payment data. Debit card information is encrypted in transit and at rest. We do not store full card numbers on our servers — only the last four digits and card brand are retained for transaction records. All transactions are Plaid-verified for bank identity and fund confirmation. Our payment processing infrastructure is designed to comply with industry security standards. Plaid verification data is handled through Plaid's secure infrastructure and is subject to Plaid's privacy policy.

4. Blockchain Data

As part of our stablecoin-powered payment pipeline, certain transaction data is recorded on the Polygon blockchain network. Blockchain transactions are publicly visible and immutable by design. This includes transaction hashes, amounts (in USDC), and wallet addresses used for conversion and settlement. No personally identifiable information is stored on the blockchain. We use blockchain technology to provide transaction finality and transparency. For more details on how our payment pipeline works, see .

5. Third-Party Services

We integrate with third-party services to provide our platform. These include: Plaid for bank account and identity verification; the Polygon blockchain network for stablecoin transactions; and authentication providers for account login. Each third-party service has its own privacy policy governing its use of your data. We encourage you to review these policies. We share only the minimum data necessary for each integration to function.

6. Data Retention

We retain personal and transaction data for as long as necessary to provide our services and comply with legal obligations. Transaction records are retained for a minimum of seven years as required by financial regulations. You may request deletion of your account and associated personal data, subject to our legal retention requirements. Blockchain transaction records cannot be deleted due to the immutable nature of blockchain technology.

7. Cookies and Tracking

We use session cookies to maintain your login state and provide a seamless experience. We may use analytics tools to understand how our Service is used and to improve performance. We do not sell your personal information to third parties. We do not use tracking technologies for advertising purposes.

8. Your Rights

Depending on your jurisdiction, you may have the right to: access the personal data we hold about you; request correction of inaccurate data; request deletion of your data (subject to legal retention requirements); object to or restrict certain processing of your data; request portability of your data; and withdraw consent where processing is based on consent. To exercise these rights, please through our inquiry form or your merchant dashboard.

9. International Transfers

Your data may be processed and stored in jurisdictions outside your country of residence. We implement appropriate safeguards for international data transfers, including standard contractual clauses where required. By using our Service, you consent to the transfer of your data to these jurisdictions.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes through the Service or via email. Your continued use of the Service after changes are posted constitutes acceptance of the updated policy. We encourage you to review this policy periodically.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please through our inquiry form or the Futurum Systems dashboard. This Privacy Policy should be read in conjunction with our .