Privacy Policy

Last Updated: March 4, 2026

1. Introduction

SPARK INTER COMMERCE PTE. LTD. ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal data. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website, apply for a merchant account, or use our cross-border acquiring and payment processing services.

2. Information We Collect

We collect various types of information to provide and improve our services to you:

  • Business & Contact Information: Your name, company name, email address, phone number, and physical address provided during onboarding.
  • Financial & KYC Information: Bank account details, tax identification numbers, corporate registration documents, and identity verification documents for beneficial owners, required for Anti-Money Laundering (AML) compliance.
  • Transaction Data: Details of the payments processed through our platform, including transaction amounts, times, merchant IDs, and masked cardholder data (we do not store full raw PANs outside of PCI-compliant environments).
  • Technical Data: IP addresses, browser types, device identifiers, and usage data collected automatically when you access our API or dashboard.

3. How We Use Your Information

Your information is primarily used to operate our platform and maintain compliance:

  • To underwrite your account and process payments efficiently.
  • To conduct risk management, fraud monitoring, and AI-based transaction scoring.
  • To comply with regulatory requirements, including AML, KYC, and Sanctions screening.
  • To communicate with you regarding system updates, settlements, disputes, and customer support.
  • To analyze usage trends to improve our API, dashboard, and service offerings.

4. Data Sharing and Disclosure

We do not sell your personal or business information to third parties. We may share your data with trusted partners strictly for operational and legal purposes:

  • Acquiring Banks & Card Networks: To process transactions and comply with network rules.
  • Service Providers: Third-party vendors who assist with identity verification, fraud prevention, cloud hosting, and customer support.
  • Legal & Regulatory Authorities: When required by law, subpoena, or to protect the rights, property, or safety of SPARK INTER COMMERCE, our merchants, or others.

5. International Data Transfers

As a global cross-border platform, we may transfer, process, and store your data in jurisdictions outside of your home country (e.g., the United States). We ensure that appropriate safeguards, such as Standard Contractual Clauses (SCCs), are in place to protect your data in accordance with applicable data protection laws.

6. Data Security and Retention

We implement strict, industry-standard security measures, including AES-256 encryption, TLS protocols, and role-based access controls, to protect your information. We retain your personal and transaction data only for as long as necessary to fulfill the purposes outlined in this policy, or as required by financial regulations and card scheme rules (typically 5 to 7 years after account closure).

7. Your Privacy Rights

Depending on your location (e.g., under the GDPR or CCPA), you may have the right to:

  • Request access to the personal data we hold about you.
  • Request the correction of inaccurate or incomplete data.
  • Request the deletion of your data, subject to our legal and regulatory retention obligations.
  • Opt-out of marketing communications.

To exercise these rights, please contact our Data Protection Officer at SPARK@sparkintercommerce.com.

8. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to remember your preferences, secure your sessions, and analyze site traffic. You can control cookie settings through your browser, though disabling core cookies may affect the functionality of the SPARK merchant dashboard.

9. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. We will notify you of any material changes by posting the updated policy on our website and, where appropriate, sending an email notification.