Privacy Policy

Last updated: April 18, 2026

1. Information We Collect

1.1 Information You Provide

• Email address (Gmail only)
• Phone number (for SMS verification)
• Payment information (processed securely via Stripe)
• Task completion proofs (images/videos)

1.2 Information We Collect Automatically

• IP address
• Browser type and version
• Device information
• Usage data and analytics

2. How We Use Your Information

We use collected information to:

• Provide and maintain our Service
• Process transactions and payments
• Send SMS verification codes
• Communicate with you about your account
• Prevent fraud and ensure platform security
• Improve our Service

3. Data Sharing

We do not sell your personal information. We may share data with:

• Payment Processors: Stripe for credit card processing
• SMS Provider: Twilio for phone verification
• Legal Requirements: When required by law or court order

4. Data Security

We implement industry-standard security measures including:

• SSL/TLS encryption for all data transmission
• Bcrypt hashing for password storage
• Regular security audits
• Secure server infrastructure

5. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate data
• Request data deletion
• Export your data
• Opt-out of marketing communications

6. Cookies

We use cookies for:

• Session management
• User preferences
• Analytics (if enabled)

You can control cookies through your browser settings.

7. Third-Party Services

Our Service integrates with:

• Google: Gmail authentication
• Stripe: Payment processing
• Twilio: SMS verification

Each service has its own privacy policy.

8. Children's Privacy

Our Service is not intended for users under 18 years of age. We do not knowingly collect data from children.

9. International Data Transfers

Your data may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place.

10. Data Retention

We retain your data for as long as your account is active or as needed to provide services. You may request deletion at any time.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email.

12. Contact Us

For privacy-related questions, contact us at:

• Email: admin@referxchange.com

13. GDPR Compliance

For EU residents, we comply with GDPR requirements including:

• Lawful basis for data processing
• Data portability
• Right to erasure
• Privacy by design

14. CCPA Compliance

For California residents, we comply with CCPA including:

• Right to know what data we collect
• Right to delete personal information
• Right to opt-out of data sales (we don't sell data)
• Non-discrimination for exercising rights