Privacy Policy

Privacy Policy

Last Updated: October 8, 2025

At Instarails, your privacy matters. This Privacy Policy explains how we collect, use, protect, and share your personal information when you use our cross-border payment services.

Quick Summary

We collect personal information to provide secure international payment services. We protect your data with industry-leading security measures and comply with US, EU, UK, and Indian data protection laws including GDPR. You have rights to access, correct, or delete your information at any time.

Who We Are

Instarails Inc and its affiliated companies (collectively “Instarails”) provide cross-border payment infrastructure and services. We’re committed to protecting your personal data and complying with data privacy laws including GDPR (EU/UK), CCPA (California), and India’s SPDI regulations.

What Information We Collect

The personal data we collect depends on how you interact with us:

Identity Verification Data

• Name, address, date of birth
• Government ID numbers and tax identification
• Copies of ID documents and selfie photos
• Information from credit bureaus and verification services

Financial Data

• Bank account information
• Transaction history and balances
• Payment details and risk scores
• Information needed for anti-money laundering compliance

Transaction Data

• Payment amounts and recipients
• Transaction history and status
• Products and services purchased

Technical Data

• IP address and device information
• Browser type, version, and settings
• Login data and app usage
• Cookies and tracking technologies

Marketing Data

• Email address and preferences
• Marketing opt-in/opt-out choices
• Information about how you found us

How We Collect Your Information

We collect information when you:

• Send or receive international payments through our partners
• Create an account or complete identity verification
• Contact our support team
• Apply for employment
• Visit our website or use our mobile app
• Interact with our sales representatives or social media
• Subscribe to marketing communications

We also collect information from credit bureaus, identity verification services, public databases, and our partner network when necessary for compliance or service delivery.

Why We Use Your Information

We use your personal data to:

• Process your international payment transactions
• Verify your identity and prevent fraud
• Comply with anti-money laundering and regulatory requirements
• Provide customer support and resolve issues
• Improve our services and develop new features
• Send service updates and marketing communications (with your consent)
• Protect our business and comply with legal obligations

Legal Basis for Processing

We process your personal data based on:

• Contract fulfillment: Processing necessary to provide our services
• Legal compliance: Meeting regulatory and legal requirements
• Legitimate interests: Operating and improving our business
• Your consent: When you’ve given explicit permission

Who We Share Information With

We share your information only when necessary:

Payment Partners
Our network of payment providers worldwide to complete your transactions.

Service Providers
Companies that help us operate our platform (hosting, data analysis, customer support, fraud prevention).

Regulatory Authorities
Government agencies and law enforcement when required by law.

Instarails Group
Our subsidiaries and affiliated companies for operational purposes.

Business Transfers
In the event of a merger, acquisition, or sale of assets.

We never sell your personal data to third parties. All partners must maintain the same security and confidentiality standards we uphold.

International Data Transfers

Instarails is headquartered in the United States. Your data may be transferred to and processed in countries outside your residence, including the US, EU, and other jurisdictions where we operate. We ensure adequate protection through:

• Standard contractual clauses
• Data protection agreements
• Compliance with GDPR and other international regulations

How We Protect Your Information

We implement industry-leading security measures including:

• SOC2 Type II certification
• Data encryption in transit and at rest
• Multi-factor authentication
• Firewalls and intrusion detection systems
• Regular security audits and penetration testing
• Employee training and access controls
• 24/7 monitoring and incident response

While we maintain robust security, no system is 100% secure. If you suspect unauthorized access, contact us immediately at support@instarails.io.

How Long We Keep Your Information

We retain personal data only as long as necessary for:

• Providing our services
• Meeting legal and regulatory requirements (typically 5-7 years for financial records)
• Resolving disputes and enforcing agreements

Once no longer needed, we securely delete or anonymize your information according to our data retention policies.

Your Privacy Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update incorrect or incomplete information
• Deletion: Request deletion of your data (subject to legal requirements)
• Restriction: Limit how we process your data
• Portability: Receive your data in a machine-readable format
• Object: Opt out of certain processing activities
• Withdraw consent: Revoke consent for marketing or optional processing
• Complain: Lodge a complaint with your data protection authority

To exercise your rights, email us at support@instarails.io. We’ll respond within 30 days and may need to verify your identity.

Marketing Communications

You can opt out of marketing emails by:

• Clicking “unsubscribe” in any marketing email
• Emailing support@instarails.io

Note: You’ll still receive important service-related messages even if you opt out of marketing.

Automated Decision Making

We use automated systems for fraud detection and risk assessment, but significant decisions always involve human review. You have the right to request human intervention in automated decisions.

Children’s Privacy

Our services are not intended for minors. We don’t knowingly collect information from anyone under 18 (or the age of majority in your jurisdiction).

Changes to This Policy

We may update this Privacy Policy periodically. Changes become effective when posted. We’ll notify you of significant changes via email or prominent notice on our website.

Contact Us

Questions about this Privacy Policy or how we handle your data?

Email: support@instarails.io

Address: Instarails Inc
3423 Piedmont Rd NE, Atlanta GA 30305
United States

For EU/UK residents: You have the right to lodge a complaint with your local supervisory authority.