Privacy Policy

LifeHub LLC (hereinafter referred to as "we") values your privacy and personal information security, and is committed to providing a secure and reliable payment service environment. This Privacy Policy (hereinafter referred to as "this Policy") explains how we collect, store, use, disclose, and protect your personal information when you use the payment products and related services offered by Lifehubpay (hereinafter referred to as "this Service").

Before using this service, you should read and fully understand all the contents of this policy. By using this service in any way, you indicate that you have read, understood, and agreed to our processing of your personal information in accordance with this policy. If you do not agree with any terms of this policy, do not use this service.

This policy constitutes a key agreement between you and LifeHub LLC regarding personal information processing, and is an integral part of the Lifehub Pay Terms of Service.

1. The information we collect

This chapter details the types of personal information we collect and how we collect it. To provide, maintain, and optimize this service, we will legally collect and use the following information related to you:

(1) Information you voluntarily provided

• Registration and account details: When you register a Lifehubpay account, we may collect your name, email address, phone number, and password. If you log in through third-party social platforms (e.g., Facebook, Google), we will also obtain your public profile information (e.g., nickname, profile picture) to streamline account registration and login.
• Payment and Billing Information: To process your payment, you may need to provide real-name verification details such as your bank card number, account name, bank information, and ID number. We will also record transaction details including the amount, time, recipient, payment method, order number, and status.
• Customer Service and Support: When you contact our customer service, you may need to provide your name, contact information, and a detailed description of your issue. We will document all communications and the resolution status.

(2) Information we obtain from third parties

• Third-party linked information: If you choose to link third-party payment tools, financial institution accounts, or other third-party services to use this service, we will obtain necessary account information and transaction verification data from the relevant third parties based on your authorization, subject to the scope of your authorization.
• Additional Information: To ensure service security and prevent fraud risks, we may obtain relevant information from legally compliant third parties, including approximate geographic location data associated with IP addresses, device identification information, and anti-fraud-related data. To enhance service experience and deliver personalized services, we may also collect demographic data for advertising and analytics purposes.

(3) Information collected through cookies and similar technologies

We employ technologies including cookies, web beacons, log files, scripts, and electronic tags (collectively termed "cookies") to enhance your experience with our services. Cookies are small files stored on your device that help us identify your account, record usage preferences, and ensure secure account login and transactions. You can adjust your device settings to allow or block cookie installation. However, please note that refusing to install essential cookies may disable certain features (e.g., automatic account login and transaction security verification), requiring you to re-enter account details and potentially compromising your optimal service experience.

2. How we use your information

We will only use your personal information within the scope permitted by this policy and applicable laws and regulations, primarily for the following purposes:

1. Service Provision: We provide core payment services, including account registration and management, transaction initiation and processing, fund settlement and reconciliation, and transaction voucher generation, to ensure you can use basic payment functions such as transfers, payments, receipts, and bill inquiries.
2. Risk Prevention: Protect services and prevent risks: Analyze IP addresses, device information, and anti-fraud data to detect and prevent fraudulent activities such as fake registrations, account theft, and transaction fraud. Verify transactions to protect your account funds and personal information.
3. Service Optimization: Optimize service experience and quality: Adjust the service interface and workflow based on your usage habits (e.g., preferred payment methods, transaction scenarios). Use data analysis to identify service issues and continuously improve features, delivering payment solutions that better meet your needs.
4. Customer Support: Provide customer service support and issue resolution: Use the contact information and issue description you provided to quickly respond to your inquiries, complaints, or requests for assistance, efficiently resolve issues encountered while using this service, and record the resolution for future reference.
5. Notifications: Send necessary service notifications: Receive important updates such as account status changes, transaction alerts, service updates, and policy adjustments to ensure you stay informed about key information related to your account and services.
6. Compliance: Conduct compliance-related activities: To comply with laws, regulations, regulatory requirements, and judicial rulings, we perform necessary information verification, reporting, and disclosure to fulfill our legal obligations.

3. Your personal information rights

We respect your rights to personal information. You can exercise the following rights through the relevant service interfaces or by contacting our customer service:

• Access and Copy Rights: You may access your account details (including name, linked mobile number), transaction records, and real-name verification information. To copy these details, use the "Export" or "Download" functions in the service interface, or contact customer service for assistance. For security purposes, sensitive information (e.g., full ID numbers, bank card numbers) will be partially obscured with asterisks.
• Correction and Supplement Rights: If you find your personal information (e.g., contact details, ID validity period) inaccurate or incomplete, you can correct it yourself through the account settings or submit a correction request to customer service. We will process it promptly after verifying your identity.
• Right to Erasure: You have the right to request the deletion of certain personal information, such as transaction records. If you believe that our collection or use of your personal information violates laws, regulations, or this policy, you may contact customer service to request the deletion of relevant information. Please note that some information may not be completely deleted immediately due to the expiration of legally mandated retention periods, technical difficulties in immediate deletion, or compliance obligations. In such cases, we will cease all processing of that information except for storage and security protection.
• Account Cancellation: You may request the cancellation of your Lifehubpay account through the designated service channel. Before cancellation, please ensure your account has no outstanding balances, pending transactions, or other restrictions. Upon cancellation, we will delete all account information and cease processing personal data related to the account. However, we are required to retain necessary information in compliance with legal and regulatory requirements.
• Right to Withdraw Consent: You may revoke your consent to Cookie usage by adjusting device settings, or by unbinding third-party services and disabling non-core features in your account settings. Upon withdrawal, we will cease collecting or using the relevant information, though this does not affect any data processing completed with your prior consent.

If you cannot exercise these rights or require clarification on our personal information processing rules, please contact us via the contact information at the end of this policy. We will respond within a reasonable timeframe. To ensure your information security, we may verify your identity through methods such as account password verification or mobile verification codes.

4. Information Storage and Protection

(1) Storing of information

We store your personal information on servers that meet security standards, including our own servers and third-party cloud service providers (with strict confidentiality and security agreements). The storage period follows the principles of "minimum necessary" and "legal requirements," retaining your personal information only for the shortest duration necessary to fulfill the purposes outlined in this policy. After the storage period expires, we will securely process your personal information through methods such as encrypted deletion or physical destruction.

(2) Information Protection

We place high priority on your information security and implement multi-layered technical and managerial measures to ensure its protection.

• Technical safeguards: Implement data encryption technologies (e.g., transmission encryption, storage encryption); establish access control mechanisms to strictly limit internal personnel's access permissions to personal information; conduct regular system security audits and vulnerability patches.
• Management safeguards: Establish stringent information security management systems and operational protocols, conduct privacy protection and information security training for employees, and enter into confidentiality agreements with third-party partners.

Please note that no technology is absolutely secure in the internet environment. In the event of a data breach, we will promptly implement remedial actions in accordance with legal requirements and notify you and the relevant regulatory authorities.

5. External information delivery

We promise not to sell, rent, or share your personal information with any third party. We will only share your personal information under the following limited circumstances:

• Obtain your explicit consent: Before providing your personal information to third parties, we have obtained your written or electronic authorization.
• For service provision purposes: As required by the service agreement with you or to fulfill service objectives, we may provide necessary information to third parties (e.g., banks, payment institutions, clearing institutions) to process transactions and settle funds.
• Comply with laws, regulations, and regulatory requirements: To comply with laws, regulations, judicial rulings, administrative orders, or in response to legitimate requests from regulatory authorities.
• Protecting Legitimate Rights and Interests: To protect the legitimate rights and interests of you, us, or other third parties (such as fraud prevention and dispute resolution).

6. Child protection

This service is exclusively available to users who meet the legal age requirements. We do not collect personal information from minors (as defined by applicable laws, typically referring to individuals under 18 years of age). If a minor uses this service without their guardian's consent, the guardian should contact us immediately. Upon identity verification, we will immediately cease processing the minor's personal information and delete the relevant data.

7. Privacy Policy Update

We reserve the right to amend this policy in accordance with updated laws and regulations, service adjustments, or business development needs. The revised policy will be prominently displayed on this service with a new effective date. If the changes affect your core rights, we will notify you via your provided contact information to ensure you are informed of the policy updates.

By continuing to use this service after this policy update takes effect, you agree to the revised policy. If you do not agree, stop using this service immediately.

8. Contact Us

If you have any questions, suggestions, or need to exercise your personal information rights or report issues related to information processing, please contact us through the following methods: