1) Agreement to Terms

These Terms of Service govern your access to and use of the PingPay mobile application, PingPay Store application, website, and related services (collectively, the "Service"). By using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2) Service Description

PingPay provides non-custodial wallet features, payment tools, QR payment flows, merchant settlement tools, rewards-related features, and related app experiences. Some features may be released gradually, changed, suspended, or discontinued.

3) Eligibility and Restrictions

You must be legally able to use the Service in your jurisdiction. This Service is not available to residents of South Korea. Access from restricted jurisdictions is prohibited. You are responsible for complying with laws that apply to your use of the Service.

4) Account and Security

You are responsible for maintaining the confidentiality of your account credentials, device access, and security settings. You agree to provide accurate information and to notify us if you believe your account or device has been compromised.

5) Non-Custodial Wallet Notice

PingPay is a non-custodial wallet. Your private keys and seed phrase are stored only on your device. We do not collect or store your private keys or seed phrase. If you lose access to your recovery phrase or device, we may not be able to recover your wallet.

Blockchain transactions may be irreversible and publicly visible. Network fees, confirmation times, and transaction outcomes may depend on third-party blockchain networks outside our control.

6) Acceptable Use

You agree not to use the Service for:

• Illegal activity, fraud, money laundering, sanctions evasion, or abuse.
• Unauthorized access, security interference, scraping, or system disruption.
• Misrepresentation, impersonation, or submission of false information.
• Any activity that violates applicable law or these Terms.

7) Third-Party Services

The Service may interact with app stores, blockchain networks, payment networks, wallet infrastructure, cloud providers, analytics, security, and support tools. Third-party terms, fees, and privacy practices may apply to those services.

8) Fees and Taxes

Certain features may include network fees, payment fees, exchange-related fees, or other third-party charges. You are responsible for any taxes, duties, or reporting obligations that apply to your transactions.

9) Suspension and Termination

We may restrict, suspend, or terminate access to the Service when required by law, for security reasons, to prevent suspected fraud or abuse, or when these Terms are violated.

10) Disclaimers

The Service is provided on an "as is" and "as available" basis. We do not promise that the Service will be uninterrupted, error-free, or available in every region. Nothing in the Service is financial, investment, legal, or tax advice.

11) Limitation of Liability

To the maximum extent permitted by applicable law, we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, data, digital assets, wallet access, or business opportunities.

12) Changes to These Terms

We may update these Terms from time to time. If we make material changes, we may provide notice within the Service or on our website. Your continued use of the Service after changes become effective means you accept the updated Terms.

13) Contact

Support Email: business@meccain.com
Website: https://pingpay.info

This Privacy Policy explains how PingPay ("we," "us," "our") collects, uses, stores, and shares personal information when you use the PingPay mobile application and related services (the "Service").

Controller / Operator

Support Email: business@meccain.com
Website: https://pingpay.info
Business Contact: business@meccain.com

1) Non-Custodial Wallet Notice

PingPay is a non-custodial wallet.

Your private keys / seed phrase (recovery phrase) are stored only on your device. We do not collect, store, or transmit your private keys or seed phrase to our servers.

Wallet addresses and blockchain transaction data (e.g., transaction hash) may be recorded on public blockchain networks and may be publicly visible due to the nature of blockchain technology.

2) Information We Collect

A. Information You Provide

• Account Information (required): email address, password (stored in encrypted/hashed form)
• Profile Information (optional): nickname or profile details (if available in the Service)
• Support Requests (optional): information you submit when contacting support (e.g., message content, email)

B. Information Collected Automatically

• Device & App Information: device model, operating system version, app version, language/region settings
• Log & Usage Information: IP address, access time, feature usage events, error logs, diagnostic data
• Push Notification Token (if enabled): device token used to deliver notifications

C. Information We Do Not Collect

Private keys, seed phrase (recovery phrase), or other wallet secret credentials are never collected by our servers.

If the Service does not include KYC/identity verification, we do not collect government IDs (e.g., passport, national ID), biometric identifiers, or similar sensitive documents.

3) How We Use Information

We use personal information only for the purposes below:

• Account creation, authentication, and account management
• Providing and operating Service features
• Security, fraud prevention, and abuse detection
• Troubleshooting, analytics, and improving Service stability and performance
• Responding to inquiries and providing customer support
• Sending service-related notices and updates (including push notifications if enabled)

4) Sharing of Information

We do not sell your personal information.

We may share personal information only with:

• Service Providers / Processors that help operate the Service under confidentiality and security obligations, and only for purposes described in this Privacy Policy.
• Legal and Compliance when required by law, regulation, court order, or lawful government request.
• Security and Protection to investigate, prevent, or take action regarding illegal activities, suspected fraud, security issues, or violations of our terms.
• With your consent when you explicitly agree to the sharing.

5) Retention and Deletion

We retain personal information only for as long as necessary to provide the Service and fulfill the purposes described in this policy, unless a longer retention period is required by applicable law.

When information is no longer needed, we delete or anonymize it using commercially reasonable measures.

6) Account Deletion and Data Requests

You may request:

• Account deletion, and/or
• Access, correction, export, or deletion of personal information we process.

To submit a request, contact privacy@pingpay.info from the email address associated with your account. We may ask for additional information to verify your identity before processing the request.

7) International Data Transfers (If Applicable)

If your information is transferred to or processed in a country other than your country of residence, we will take reasonable steps to ensure an appropriate level of data protection and security consistent with this Privacy Policy and applicable law.

8) Security Measures

We implement reasonable administrative, technical, and physical safeguards to protect personal information, including:

• Encryption in transit (HTTPS/TLS)
• Password protection (hashed/encrypted storage)
• Access controls and least-privilege permissions
• Monitoring and incident response procedures

No method of transmission or storage is 100% secure. You use the Service at your own risk.

9) Your Rights and Choices

Depending on your location and applicable law, you may have rights to:

• Access, correct, delete, or export your personal information
• Object to or restrict certain processing

You can submit requests using the contact details in Section 6. We may need to verify your identity before processing your request.

10) Restrictions on Use

This service is not available to residents of South Korea. Access from restricted jurisdictions is prohibited.

11) Children's Privacy

The Service is not intended for children under the age of 13 (or the minimum age required by local law). We do not knowingly collect personal information from children. If you believe a child has provided us personal information, please contact business@meccain.com to request deletion.

12) Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will provide notice within the Service or on our website. The "Effective Date" above reflects the latest version.