Privacy Policy

Effective Date: 15 January 2025

Last Updated: 15 January 2025

This Privacy Policy explains how APX ENTERPRISES, operating as 247Invoicing (also trading as 247 Technologies), trading as 247Invoicing ("247Invoicing", "we", "us", or "our"), collects, uses, stores, protects, and discloses personal information when you use our website, application, invoicing services, payment pages, merchant dashboard, support services, APIs, and related Services.

We respect your privacy and are committed to handling personal information responsibly.

By using 247Invoicing, you acknowledge the practices described in this Privacy Policy.

1. WHO WE ARE

247Invoicing provides invoicing, payment-request, merchant, transaction-management, and related technology services.

Data Controller/Responsible Entity:

APX ENTERPRISES

Trading Name:

247Invoicing

Registered Address:

77 Sands St, Brooklyn, NY 11201, United States

Privacy Contact:

support@247invoicing.com

General Support:

support@247invoicing.com

2. INFORMATION WE COLLECT

Depending on how you use 247Invoicing, we may collect different categories of information.

2.1 Account Information

When you create an account, we may collect:

• full name;
• email address;
• phone number;
• username;
• password credentials in securely protected form;
• business name;
• business type;
• country;
• currency preferences;
• account settings; and
• communication preferences.

3. BUSINESS INFORMATION

Merchants may provide:

• legal business name;
• trading name;
• business registration information;
• business address;
• business category;
• website;
• business description;
• tax information;
• ownership information;
• expected transaction volume;
• products and services offered; and
• payout information.

4. IDENTITY AND KYC INFORMATION

Where verification is required, we may collect information necessary to verify identity, business ownership, or eligibility.

This may include:

• government-issued identification;
• date of birth;
• nationality or country information where legally necessary;
• proof of address;
• business registration documents;
• beneficial ownership information;
• photographs or verification images;
• verification results;
• sanctions-screening results; and
• information required by payment or compliance providers.

Where a third-party verification provider performs verification, that provider may independently process information according to its own privacy policy and contractual obligations.

5. PAYMENT INFORMATION

247Invoicing may process or receive information relating to transactions.

Depending on the payment method, this may include:

• transaction ID;
• invoice ID;
• payment status;
• payment amount;
• currency;
• timestamps;
• payment method;
• masked payment information;
• bank information necessary for payout;
• cryptocurrency wallet address where applicable;
• blockchain transaction identifier;
• payment-provider reference;
• refund information;
• dispute information; and
• fraud or risk signals.

Where a third-party payment processor handles card or other sensitive payment credentials, 247Invoicing may not receive or store the full payment-card number.

Payment information may be processed directly by the applicable payment provider.

6. CUSTOMER INFORMATION

When a customer pays a Merchant invoice, we may process information supplied by the Merchant or customer, including:

• name;
• email address;
• billing information;
• invoice information;
• transaction information;
• communications;
• payment status; and
• information necessary to prevent fraud or process the transaction.

Merchants are responsible for ensuring that they have an appropriate legal basis to provide customer information to 247Invoicing.

7. TRANSACTION INFORMATION

We may collect information regarding transactions performed through the platform, including:

• invoice creation;
• invoice amount;
• currency;
• payment status;
• payout status;
• refunds;
• disputes;
• transaction timestamps;
• merchant/customer relationship;
• payment-provider reference;
• fraud indicators; and
• account activity associated with the transaction.

8. TECHNICAL INFORMATION

When you use our website or application, we may automatically collect technical information such as:

• IP address;
• browser type;
• device type;
• operating system;
• language;
• approximate location derived from IP where appropriate;
• pages visited;
• referring pages;
• timestamps;
• session information;
• application events;
• error logs;
• security logs; and
• similar technical information.

9. COOKIES

247Invoicing may use cookies, pixels, local storage, and similar technologies.

These technologies may be used for:

• authentication;
• maintaining sessions;
• security;
• remembering preferences;
• analytics;
• performance monitoring;
• fraud prevention; and
• improving the Services.

Where required by law, we will obtain consent for non-essential cookies.

You may control cookies through your browser or available cookie-management tools, although disabling certain cookies may affect functionality.

10. HOW WE USE PERSONAL INFORMATION

We may use personal information to:

Provide Services

• create and manage accounts;
• generate invoices;
• process payment requests;
• facilitate payment-related workflows;
• process eligible payouts;
• provide transaction records;
• provide customer support; and
• operate our platform.

Security and Fraud Prevention

• detect suspicious activity;
• prevent fraud;
• protect accounts;
• investigate unauthorized transactions;
• identify abuse;
• monitor security events;
• enforce our Terms; and
• protect users and our infrastructure.

Verification and Compliance

• verify identity;
• verify businesses;
• conduct risk assessments;
• comply with applicable AML/KYC requirements where applicable;
• perform sanctions screening;
• comply with legal requests; and
• meet obligations imposed by payment providers.

Communications

We may use your information to send:

• account notifications;
• transaction notifications;
• verification requests;
• security alerts;
• support responses;
• service announcements;
• important policy changes; and
• other operational communications.

Where legally permitted and with appropriate consent where required, we may also send marketing communications.

11. LEGAL BASES FOR PROCESSING

Where applicable data-protection laws require a legal basis for processing, we may rely on one or more of the following:

• performance of a contract;
• compliance with a legal obligation;
• legitimate interests;
• consent;
• protection of vital interests; or
• another lawful basis permitted by applicable law.

Our legitimate interests may include:

• operating and improving the platform;
• preventing fraud;
• securing accounts;
• protecting our business and users;
• providing customer support;
• maintaining reliable infrastructure; and
• understanding platform usage.

12. HOW WE SHARE INFORMATION

We do not sell personal information simply as a source of revenue.

We may disclose information to appropriate third parties where necessary to provide the Services, protect users, comply with law, or operate our business.

These parties may include:

Payment Providers

Payment processors, acquiring institutions, banks, card networks, payment gateways, cryptocurrency providers, and related financial-service providers.

Identity and Compliance Providers

Identity verification, fraud prevention, sanctions screening, AML/KYC, risk management, and compliance providers.

Cloud and Infrastructure Providers

Hosting, databases, storage, security, monitoring, and infrastructure providers.

Communications Providers

Email, SMS, notification, customer-support, and communication providers.

Analytics Providers

Providers that help us understand service performance and usage.

Professional Advisers

Lawyers, accountants, auditors, consultants, insurers, and other professional advisers where reasonably necessary.

Government and Law Enforcement

We may disclose information where required or permitted by law, court order, regulatory request, legal process, or where reasonably necessary to prevent fraud, crime, or harm.

13. PAYMENT PROVIDERS AND THIRD PARTIES

When you choose a particular payment method, information may be transferred to the provider responsible for that payment method.

The provider may process information under its own privacy policy.

247Invoicing cannot control the independent privacy practices of third parties.

Users should review the privacy policies of relevant third-party payment providers where appropriate.

14. INTERNATIONAL DATA TRANSFERS

247Invoicing and our service providers may process information in countries other than the country where you live.

Where required by applicable law, we will use appropriate safeguards for international transfers.

These safeguards may include:

• contractual protections;
• approved transfer mechanisms;
• adequacy decisions;
• encryption;
• access controls; and
• other legally recognized safeguards.

15. DATA SECURITY

We use reasonable technical and organizational measures designed to protect personal information.

These measures may include:

• encryption in transit;
• access controls;
• authentication;
• logging;
• monitoring;
• backups;
• security reviews;
• infrastructure protections; and
• restricted access based on business need.

However, no system can guarantee absolute security.

You are responsible for protecting your account credentials and devices.

16. DATA RETENTION

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including:

• providing Services;
• maintaining account records;
• processing transactions;
• preventing fraud;
• resolving disputes;
• enforcing agreements;
• complying with legal obligations;
• accounting and tax purposes; and
• protecting our legal rights.

Some transaction, verification, and financial records may need to be retained for a legally prescribed period even after an account is closed.

When information is no longer required, we may delete, anonymize, or securely dispose of it.

17. YOUR PRIVACY RIGHTS

Depending on where you live, you may have rights relating to your personal information.

These may include the right to:

• access personal information;
• request correction;
• request deletion;
• request restriction of processing;
• object to certain processing;
• withdraw consent where processing relies on consent;
• request data portability;
• object to direct marketing;
• lodge a complaint with a relevant data-protection authority; and
• receive information about certain automated decision-making.

These rights may be subject to legal exceptions.

18. HOW TO EXERCISE YOUR RIGHTS

To submit a privacy request, contact:

Privacy Email: support@247invoicing.com

Please include:

• your name;
• account email;
• description of your request; and
• sufficient information for us to verify your identity.

We may request additional information to prevent unauthorized disclosure.

We will respond within the timeframe required by applicable law.

19. ACCOUNT DELETION

You may request deletion of your account where permitted by applicable law.

Deletion may not result in immediate removal of every record because we may be required to retain certain information for:

• legal compliance;
• financial records;
• fraud prevention;
• disputes;
• security;
• regulatory requirements; or
• enforcement of agreements.

Where retention is required, we will restrict its use to the relevant purpose where appropriate.

20. CHILDREN'S PRIVACY

The Services are not intended for children who are below the minimum age permitted to independently use the Services under applicable law.

We do not knowingly collect children's personal information where prohibited by law.

If you believe a child has provided personal information to us improperly, contact us so that we can investigate and take appropriate action.

21. MARKETING COMMUNICATIONS

You may receive operational communications necessary to operate your account.

Where permitted, we may also send promotional communications.

You can unsubscribe from marketing communications by following the unsubscribe instructions in the communication or contacting us.

Unsubscribing from marketing does not prevent us from sending essential service, security, transaction, or legal communications.

22. AUTOMATED DECISION-MAKING AND RISK SYSTEMS

247Invoicing may use automated systems to identify:

• suspicious transactions;
• potential fraud;
• account-security risks;
• unusual activity;
• verification risks; or
• transactions requiring additional review.

An automated system may cause a transaction or account to be flagged for additional review or temporarily restricted.

Where required by applicable law, you may have rights concerning significant automated decisions and may request appropriate human review.

23. FRAUD AND SECURITY MONITORING

We may monitor activity associated with the Services to detect and prevent:

• fraud;
• account takeover;
• payment abuse;
• money laundering;
• sanctions violations;
• unauthorized transactions;
• platform abuse; and
• other security threats.

Information collected for these purposes may be shared with relevant payment providers, fraud-prevention providers, financial institutions, regulators, or law-enforcement authorities where legally permitted or required.

24. BUSINESS TRANSFERS

If 247Invoicing is involved in a merger, acquisition, financing, restructuring, sale of assets, or similar transaction, personal information may be transferred as part of that transaction, subject to applicable law.

Where required, we will provide appropriate notice.

25. LINKS TO OTHER WEBSITES

The Services may contain links to third-party websites.

We are not responsible for the privacy practices of third-party websites.

You should review the privacy policy of any external service before providing personal information.

26. DATA BREACHES

If we become aware of a personal-data breach that requires notification under applicable law, we will take appropriate steps to investigate, contain, remediate, and notify affected individuals or authorities where legally required.

27. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically.

The "Last Updated" date will identify the most recent version.

For material changes, we may provide additional notice where required.

Your continued use of the Services after an updated Privacy Policy becomes effective will be subject to the updated policy, to the extent permitted by law.

28. CONTACT US

For privacy questions, data requests, complaints, or concerns:

247Invoicing

Legal Entity: APX ENTERPRISES, operating as 247Invoicing (also trading as 247 Technologies)

Address: 77 Sands St, Brooklyn, NY 11201, United States

Privacy Email: support@247invoicing.com

Support Email: support@247invoicing.com

Website: https://247invoicing.com

29. DATA PROTECTION AUTHORITY

If applicable law gives you the right to complain to a data-protection regulator, you may contact the competent authority in your jurisdiction.

For users in Nigeria, the applicable data-protection authority and current complaint procedures should be identified and confirmed before publication.

By using 247Invoicing, you acknowledge that you have reviewed this Privacy Policy and understand how your personal information may be processed as described above.