Last Updated: October 2025 | Version 1.1
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.
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.
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.
The personal data we collect depends on how you interact with us:
We collect information when you:
We also collect information from credit bureaus, identity verification services, public databases, and our partner network when necessary for compliance or service delivery.
We use your personal data to:
We process your personal data based on:
We share your information only when necessary:
Our network of payment providers worldwide to complete your transactions.
Companies that help us operate our platform (hosting, data analysis, customer support, fraud prevention).
Government agencies and law enforcement when required by law.
Our subsidiaries and affiliated companies for operational purposes.
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.
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:
We implement industry-leading security measures including:
While we maintain robust security, no system is 100% secure. If you suspect unauthorized access, contact us immediately at support@instarails.io.
We retain personal data only as long as necessary for:
Once no longer needed, we securely delete or anonymize your information according to our data retention policies.
You have the right to:
To exercise your rights, email us at support@instarails.io. We’ll respond within 30 days and may need to verify your identity.
You can opt out of marketing emails by:
Note: You’ll still receive important service-related messages even if you opt out of marketing.
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.
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).
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.
This CCPA Notice supplements our Privacy Policy and applies solely to California residents. It describes the categories of personal information we collect, how we use it, your rights under California law, and how to exercise those rights.
In the past 12 months, we have collected the following categories of personal information:
We collect personal information from:
We use the personal information we collect for the following business purposes:
We may disclose your personal information to the following categories of third parties for business purposes:
We do not sell your personal information. Instarails has not sold personal information in the preceding 12 months and does not sell personal information.
We do not share your personal information for cross-context behavioral advertising. Instarails does not share personal information with third parties for targeted advertising purposes.
We collect sensitive personal information (such as government ID numbers and financial account information) solely for the purposes of providing our payment services, verifying your identity, and complying with legal requirements. We do not use or disclose sensitive personal information for purposes other than those permitted under the CCPA.
As a California resident, you have the following rights:
To submit a request to know, delete, or correct your personal information, you may:
We will verify your identity before processing your request. This may require you to provide information that matches our records. For requests submitted by an authorized agent, we may require proof of authorization and verify the agent’s identity.
We will respond to verifiable requests within 45 days. If we need additional time (up to 90 days total), we will notify you of the reason and extension period.
We retain personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations (typically 5-7 years for financial records), resolve disputes, and enforce our agreements.
This Privacy Policy should be read in conjunction with:
Questions about this Privacy Policy or how we handle your data?
Email: support@instarails.io
Instarails Inc.
131 Continental Drive, Suite 305
Newark, DE 19713
From startups to enterprises, businesses trust Instarails to move money across borders — instantly and affordably.
"Switching to Instarails for invoicing our U.S. clients was a game-changer. We used to get poor FX and on top of that, bank charges were eating into every payment. It was silently adding up to around 15% loss on every transfer. Now with Instarails, we get the live exchange rate, zero surprises on charges, and the money hits our account in under 30 minutes. It's faster, cheaper, and honestly just simpler. Highly recommend Instarails to any tech company in India billing U.S. clients."
" Instarails has transformed how we handle international payments. Their platform saves us at least 3% in costs, directly improving our bottom line. The batch upload feature streamlines our processes, but what's most impressive is the impact on our overseas team — they now receive their full salaries directly in their bank accounts in under one minute, with zero deductions."
"As a freelancer working with U.S. clients, I used to dread payment day. Between bank wire fees and terrible exchange rates, I was losing approximately 3% on every invoice. On a $10,000 project, that's $300 — almost ₹25,000 — just vanishing. Since I started using Instarails, everything changed. I send my invoice, my client pays, and the money hits my account instantly at the best FX rate with the lowest fees. Plus, I get a proper invoice for my records. "
"What sold me on Instarails is that I don't deal with a wallet at all. My US clients send payment and it arrives directly in my Fidelity Bank Ghana account as GHS — instantly, at the best FX rate I've seen. Before, I was waiting days for SWIFT transfers to clear and losing over 5% to fees and poor conversion rates. Now the money arrives in minutes, ready to use — and because it's sitting in my bank account, not a wallet, I'm actually earning interest on it. It's changed how efficiently I run my travel business."
