隐私政策

一、信息收集范围

本平台收集的信息包括：用户主动填写的账户资料（姓名、邮箱、电话、地址等）、下单与支付过程中产生的订单信息、IP 地址、浏览器标识（UA）、操作日志、协议授权记录，以及为提供服务所必需的技术信息。上述信息用于身份识别、服务履约、账单开具、风险控制与合规审计。

1. Scope of Information Collection

Information collected by the Platform includes: account details voluntarily provided by the user (name, email, phone, address, etc.), order information generated during ordering and payment, IP address, browser identifier (UA), operation logs, agreement consent records, and technical information necessary to provide the services. Such information is used for identification, service fulfillment, invoicing, risk control and compliance auditing.

二、支付敏感信息

银行卡号、支付账户、支付令牌等支付敏感信息由第三方支付网关托管，本平台不直接存储完整支付凭据。本平台仅保存支付网关返回的交易号、授权结果、3DS2 校验结果、AVS 校验结果等用于对账与争议举证的记录。

2. Sensitive Payment Information

Sensitive payment information such as card numbers, payment accounts and payment tokens is hosted by third-party payment gateways; the Platform does not directly store complete payment credentials. The Platform retains only records returned by payment gateways, such as transaction IDs, authorization results, 3DS2 verification results and AVS verification results, for reconciliation and dispute evidence purposes.

三、信息披露

本平台不会向无关第三方出售用户信息。但在下列情形下，本平台有权披露相关信息：司法机关、监管机构依法要求；支付机构、风控机构为处理拒付、争议、欺诈调查而合理要求；为维护本平台合法权益所必需。

3. Information Disclosure

The Platform will not sell user information to unrelated third parties. However, the Platform may disclose relevant information: when required by judicial or regulatory authorities in accordance with law; when reasonably requested by payment institutions or risk-control institutions to handle chargebacks, disputes or fraud investigations; and when necessary to protect the Platform's legitimate rights and interests.

四、存储期限与证据归档

与订单相关的协议授权记录、支付凭证、履约凭证、通知记录将归入该订单的争议证据档案，自订单创建之日起保留 221 天，到期后由系统自动清理且不可恢复。该期限设置旨在匹配卡组织拒付窗口期并保留必要的举证材料。

4. Retention Period and Evidence Archiving

Agreement consent records, payment evidence, fulfillment evidence and notification records related to an order are archived into that order's dispute evidence file, retained for 221 days from the order creation date, and automatically purged by the system upon expiry without recovery. This retention period is set to match the card network chargeback window and to preserve necessary evidence.

五、政策更新

本平台有权随时更新本隐私政策，更新后的政策自公示之日起生效。用户继续使用本平台服务即视为接受更新后的政策。本政策以中英文双语呈现，如有歧义以中文版本为准，并适用美国新墨西哥州法律。

5. Policy Updates

The Platform may update this Privacy Policy at any time, and the updated policy takes effect upon publication. Continued use of the Platform's services constitutes acceptance of the updated policy. This policy is presented in both Chinese and English; in case of discrepancy the Chinese version prevails, and it is governed by the laws of the State of New Mexico, United States.