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Send, spend, save, and earn rewards all in one easy-to-use app designed for everyday life.

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PalWallet is a secure, all-in-one financial platform for individuals and businesses to manage money and crypto with confidence.

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Building the future of
finance with innovative
solutions that empower
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worldwide.

Join us at Money2020 2-4 June 2026

Privacy Policy

Effective Date: October 22, 2026

This privacy policy for DPO (“We”, “Us” or “Our”) tells you how we may collect, use and share your information when you visit our website www.Palwallet.com.

We appreciate your decision to use our website www.Palwallet.com and to trust us with your valuable personal information. In this document, we seek to explain in the clearest terms possible our privacy practices. We strongly encourage you to read this document (and any other related documents) carefully before using the website. If there are any terms or conditions in this document that you do not agree with, please do not use the website, or in case you are already using it, please discontinue the use immediately. By using the website, you are accepting and consenting to the practices described in this Privacy Policy.

What information do we collect about you?

When we collect information, we do so to ensure that you get to experience our service seamlessly. For that, we collect the following information. Some are your personal information and some are your sensitive personal information.

The personal information that we collect about you are the following:

  • Name
  • Address
  • Email address
  • Identification ID number
  • Location data

Sometimes, we also collect sensitive personal information from you, which includes the following:

  • Biometric information

 

How do we collect such information?

We may use any of the following three ways to get information about you.

  1. The information that you give us
  2. The information that we automatically collect from you
  3. Information that we collect from third parties

Before going into the reasons why we collect the information that we do, we want you to understand what the above three terms mean.

a. The information that you give us

When you sign up for an account to use our service/product we will ask you certain questions like your name or email address. These are the information that you give us. This may not be limited to what we have mentioned and can change according to the nature of the service/product that we provide.

b. The information that we automatically collect from you

When you access our service from a device, we may automatically collect information from your device, such as through the use of cookies. You will know more about automatic collection of personal information in the next section.

c. Information that we collect from third parties

These third parties can be data aggregators, online directories, data marketplaces or exchanges, etc from where we may collect information about you.

Cookies and similar technologies

Cookies are small packets of information that are placed on your device, so that we can retrieve the information about you, such as your login information, your choices on our websites and other information.

For more information about cookies and similar technologies, please visit our cookie policy.

Do not track requests

We respond to “do not track” requests in the following manner:

Our website does not currently respond to browser “Do Not Track” signals. You can manage your cookie preferences through our cookie settings.

Why do we collect information about you?

We collect information about you for a variety of reasons. It helps us, among other things, to serve you better. The following are the ways in which we use the information that we collect about you.

  • To provide and maintain service
  • To manage your account
  • To perform a contract with us
  • To contact the user
  • To send marketing and promotional communications
  • To evaluate and improve our products/services
  • To examine the usage trends
  • targeted advertising

How long do we retain your information?

We will only keep your personal information for 5 years, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice requires us to retain your personal information for longer than the period during which users have an account with us.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymise such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

Do we share your information?

We may share your information with third parties in the following ways:

  1. Sharing with your consent: When you give consent, we may share your information with third parties for the purposes that are mentioned in the consent notification.
  2. Legal Obligations: We may disclose information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).
  3. For business transfers: We may share your personal information in connection with, or during the course of negotiations regarding merger, sale of business assets, financing or acquisition of all or a part of our business by another entity.

Sale/sharing of information

We do not sell or share the information we collect from our users.

Disclosure of personally sensitive information

We do not disclose personally sensitive information for purposes other than the following:

  1. To perform services or deliver goods.
  2. To prevent, detect, and investigate security incidents that compromise the availability, authenticity, integrity, or confidentiality of stored or transmitted personal information.
  3. To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions.
  4. To ensure safety of natural persons.
  5. For short-term, transient use, including, but not limited to, non personalised advertising shown as part of a consumer’s current interaction with the business.
  6. To perform services on behalf of the business
  7. To verify or maintain the quality or safety of a product, service, or device and to improve or upgrade them.
  8. To collect or process sensitive personal information where such collection or processing is not for the purpose of inferring characteristics about a consumer.

GDPR Disclosures

Cross border data transfer

The information that we collect from you, including your personal data, may be processed in locations outside the European Union, where data transfer laws may differ from those in effect in your jurisdiction. In some cases, the transfer may be to countries classified as ‘adequate countries’ by the European Union (see here for details on adequate countries). However, where the transfer is not to an adequate country, we have implemented appropriate legal measures in accordance with the General Data Protection Regulation to ensure that your personal information is adequately protected.

Standard Contractual Clauses: When we transfer the data collected from you, including personal data, to third countries that are not deemed adequate, we have agreements in place with processors in those countries that include the Standard Contractual Clauses mandated by the GDPR. For more information on Standard Contractual Clauses, please see here.

Automatic processing of data

We use automated processing of the personal information we collect to personalise our services for you and others.

Legal basis for the collection

The General Data Protection Regulation requires us to identify and set out the legal basis, or in other words, the legal justification, for processing your personal information. The following are the legal bases on which we process your personal data.

Consent: We may process your personal information for the purposes described in this Privacy Policy with your consent.

Performance of a contract: Where we have entered into a contract with you, we may use the personal information collected from you to fulfil the terms of that contract.

Legal obligations: We may disclose information where we are legally required to do so to comply with applicable laws, governmental requests, judicial proceedings, court orders, or legal processes, such as responding to a court order or a subpoena (including requests from public authorities to meet national security or law enforcement requirements).

Your rights

In accordance with Articles 12 to 23 of the General Data Protection Regulation, the data subject, that is you, has the following rights.

  1. Right to object to the processing of personal data in certain circumstances. See here for details.
  2. Right to request access to the data we have collected about you and to receive a copy of it in an accessible format.
  3. Right to restrict the processing of your personal data for a limited period, under certain circumstances. See here for details.
  4. Right to rectify or modify personal information that you consider obsolete, incomplete, or inaccurate.
  5. Right to opt out of automated processing of your personal data.
  6. Right to erasure of your personal information, also known as the right to be forgotten.

To exercise any of the rights mentioned above, you may use the contact details provided in this Privacy Policy.

Consequences of non-consent

We require your consent to collect information in order to provide our services to you seamlessly. However, you may refuse consent. Please note that refusing consent may have consequences, including limited access to our services and reduced features on the website.

Privacy of children

We do not knowingly provide our services to children. If you are a parent or legal guardian and believe that your child has provided us with information without your consent, please contact us. Upon verification that we have collected such information without parental consent, we will remove the information from our database.

Security of your personal information

We take reasonable measures to ensure that the information we collect from you is stored securely and protected to the best extent possible. However, no method of internet transmission or digital storage is completely secure, and we cannot guarantee absolute security. While we use commercially reasonable and appropriate security measures to protect your information, we cannot promise that it will be 100% secure.

Links to other websites or apps

On our website, we may provide links to external websites, apps, or services. These are not operated by us and therefore are not governed by our Privacy Policy or practices. We strongly recommend that you review the privacy policies of such websites or services before engaging with them to ensure that you do not provide personal information that you do not wish to share.

Changes to this privacy policy

We may update this Privacy Policy from time to time to reflect changes in the law or our privacy practices. We recommend that you review this privacy policy periodically to ensure it remains in line with your expectations.

The privacy policy will be effective from the date it is posted on this page.

Contact us

For any questions or concerns regarding your privacy, or to exercise any of your rights, you may contact us using the following details:

DPO: Data Protection Officer Email: DPO@PalWallet.com

Address: 9.17 19b Capital Tower, 91 Waterloo Road

Email address: DPO@Palwallet.com

How it connects

One Infrastructure. Three Powerful Products.

PalPayments powers PalWallet. PalWallet powers PalCard. Together, they power modern global finance.
Infrastructure and rails for global payments.
A secure non-custodial multi-chain wallet with low fees.
Send, spend, and manage money worldwide.
One backend. One compliance layer. One user experience.
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ALL-IN-ONE WALLET

Frequently Asked Questions

Whether you’re just getting started or looking for specifics on features like spending limits, card security, international usage, fees, or managing your crypto-linked payments our FAQ section covers it all.

What is PalWallet and how does it work?

PalWallet is a next-generation crypto wallet and payment app that lets you store, send, receive, and swap cryptocurrencies, as well as spend globally using your PalCard. It supports both crypto and fiat, giving you full control of your digital assets in one easy-to-use app. Whether you’re a casual holder or a frequent user, PalWallet simplifies Web3 finance.

Yes. PalWallet offers bank-grade security, including multi-signature architecture, biometric access, and insurance-backed wallets. We also comply with EU-level regulatory standards, ensuring that your funds and data are protected at every layer.

Absolutely. With PalWallet, you can send and receive crypto across borders instantly, with low fees and no hidden charges. It’s perfect for freelancers, digital nomads, or anyone sending money globally in Bitcoin, Ethereum, or stablecoins.

Yes. PalWallet is a hybrid wallet that supports major cryptocurrencies and traditional fiat currencies, making it ideal for users who want to manage digital and traditional money in one place. You can also convert between crypto and fiat with our built-in swap feature.

PalSwaps lets you exchange crypto instantly with low fees, while PalSave allows you to earn passive rewards by holding your crypto. Both features are designed to maximize your crypto’s potential without needing complex DeFi tools or exchanges.

Yes. PalWallet is designed to be simple enough for beginners and powerful enough for experts. Whether you’re just getting started or managing a portfolio, you’ll find intuitive features like one-click swaps, asset tracking, and advanced wallet settings.

Yes. PalWallet operates under a crypto license from Europe and partners with regulated banking institutions for fiat services. Your funds are insured up to certain limits, and all transactions meet AML/KYC compliance. We take your financial security seriously.

GET STARTED

Choose your path

Enterprise teams can build with PalPayments. Consumers can start with PalWallet and PalCard.

For Businesses

Discuss APIs, integration, compliance, and rollout.

For Individuals

Download the app and start spending with PalCard.