Privacy Policy | 1

Last update: 29.01.2026

PAYINQ | AUSDT Privacy Policy

1. Introduction This Privacy Policy describes how PAYINQ and its affiliates (collectively, "PAYINQ," "we," "us," or "our") collect, use, process, and disclose your information in relation to your access to and use of the AUSDT stablecoin and related services ("Services"). PAYINQ | AUSDT = 1:1 parity with the US Dollar (USD). The AUSDT stablecoin operates on the ALLTRA SmartChain, a public blockchain. Your privacy is important to us. We are committed to protecting your personal data and being transparent about the information we collect and how we use it. This policy is designed to comply with high standards of data protection, including the General Data Protection Regulation (GDPR) in Europe and the California Consumer Privacy Act (CCPA) in the United States. Please read this policy carefully. By using our Services, you agree to the collection, use, and disclosure of your information as described in this Privacy Policy.

2. Information We Collect

We collect information to provide and improve our Services. The type of information we collect depends on how you interact with us and the PAYINQ | AUSDT stablecoin.

A. Information You Provide to Us

When you interact directly with PAYINQ's centralized services, we may collect:

Identity Verification Information:

To comply with Anti-Money Laundering (AML), Know Your Customer (KYC), and Counter-Terrorism Financing (CTF) regulations, we may collect your full name, date of birth, physical address, phone number, email address, and a government-issued identification document (e.g., passport, driver's license).

Financial Information:

Information related to the bank account or financial institution you use to send or receive fiat currency in exchange for PAYINQ | AUSDT.

Communications:

Information you provide when you contact us for customer support or other inquiries.

B. Information Collected Automatically Blockchain Data:

When you transact with the PAYINQ | AUSDT stablecoin, certain information is recorded publicly and immutably on the ALLTRA SmartChain. This includes your public wallet address, the wallet address you are transacting with, the transaction amount, and the timestamp. This information is pseudonymous and inherent to the nature of public blockchains. We do not control this public data.

Website and Service Usage Data:

When you visit the PAYINQ website or use our Services, we may automatically collect information such as your IP address, device type, operating system, browser type, and information about your usage patterns (e.g., pages visited, features used).

3. How We Use Your Information

We use the information we collect for the following purposes:

To Provide and Maintain the Services:

To process transactions, facilitate the minting and burning of PAYINQ | AUSDT, and manage your account.

To Comply with Legal Obligations:

To conduct identity verification, screen against sanctions lists, and fulfill our legal and regulatory requirements (including AML/KYC).

For Security and Fraud Prevention:

To protect our platform, our users, and the integrity of the PAYINQ | AUSDT stablecoin from fraud, cyberattacks, and other malicious activity.

To Provide Customer Support:

To respond to your questions, comments, and inquiries.

For Analytics and Improvement:

To understand how our users interact with our Services so we can improve them and develop new features.

4. Legal Basis for Processing (for EEA Users)

If you are in the European Economic Area (EEA), we only process your personal data when we have a valid legal basis, including:

Privacy Policy | 2

Last update: 29.01.2026

Performance of a Contract:

We process your data to provide the Services you have requested.

Legal Obligation:

We process your data to comply with applicable laws and regulations.

Legitimate Interests:

We process your data for our legitimate interests, such as for security and service improvement, provided these interests are not overridden by your fundamental rights and freedoms.

Consent:

Where required, we will obtain your consent to process your personal data. You may withdraw your consent at any time.

5. Data Sharing and Disclosure

We do not sell your personal data. We may share your information in the following limited circumstances:

With Service Providers:

We may share your information with third-party vendors and service providers who perform services on our behalf, such as identity verification (KYC) providers, cloud hosting services, and analytics providers. These providers are contractually obligated to protect your data and use it only for the purposes for which it was disclosed.

For Legal and Compliance Reasons:

We may disclose your information to law enforcement, government authorities, and regulators if required by law, court order, or to comply with a legal process.

To Protect Rights and Property:

We may disclose information if we believe it is necessary to prevent harm, financial loss, or in connection with an investigation of suspected or actual illegal activity.

Public Blockchain Data:

As stated above, transaction data on the ALLTRA SmartChain is public by nature and accessible to anyone.

6. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

Right to Access: The right to request a copy of the personal information we hold about you. Right to Rectification: The right to request that we correct any inaccurate or incomplete personal information. Right to Erasure (Right to be Forgotten): The right to request that we delete your personal information, subject to certain legal limitations. Please note that data recorded on the blockchain cannot be erased. Right to Restrict Processing: The right to request that we restrict the processing of your personal data in certain circumstances. Right to Data Portability: The right to receive your personal data in a structured, commonly used, and machine-readable format. Right to Object: The right to object to our processing of your personal data. To exercise these rights, please contact us at the address provided below. We will respond to your request in accordance with applicable law.

7. Data Security and Retention

We implement robust technical and organizational security measures to protect your personal information from unauthorized access, use, or disclosure. However, no system is completely secure, and we cannot guarantee the absolute security of your information. We retain your personal data for as long as necessary to fulfill the purposes for which it was collected, to comply with our legal obligations (such as AML/CTF record-keeping requirements), resolve disputes, and enforce our agreements.

8. International Data Transfers

Your information may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different from the laws of your country. We take appropriate safeguards to ensure that your personal data remains protected in accordance with this Privacy Policy and applicable law.

9. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal data from a child, we will take steps to delete it as soon as possible.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Effective Date." We encourage you to review this policy periodically.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact our Data Protection Officer at:

PAYINQ Legal Department admin @ inqtel.net.au