MochiPay Privacy Policy

Privacy at a glance

We collect information needed to operate merchant accounts, payment orders, blockchain monitoring and security. Customer funds travel on public blockchains directly to configured receiving wallets; blockchain records are public and cannot be deleted by us.

1. Scope

This Privacy Policy applies to the public website, merchant and administrator portals, hosted checkout, APIs, plugins and monitoring components provided as part of the MochiPay Service.

A merchant determines what customer and order information it sends to the Service. Merchants remain responsible for their own privacy notices and legal basis for processing customer information.

2. Information We Process

Merchant and administrator information

Email address, display name, password hash, account status, subscription details, API credentials, login time, login result, IP address and locally resolved country, region or city information.

Order and customer information

Merchant order reference, system order ID, amount, currency, payment method, product type, optional description and product information, customer name, email, phone, company, optional shipping address, customer IP, callback URL and return URL.

Payment and blockchain information

Receiving address, payment amount, asset, network, transaction hash, confirmation count, payment status, timestamps and exchange-rate snapshot. Public blockchain information may be obtained from blockchain nodes or explorers.

Technical information

Request IP, user agent where available, API authentication result, error details, callback attempts, diagnostic logs and other information required to secure and troubleshoot the Service.

3. How We Use Information

Create and maintain accounts and subscriptions.
Create payment orders and show hosted checkout instructions.
Match blockchain transfers, update status and send callbacks.
Authenticate API calls and protect accounts against abuse.
Display order history, payment details and local IP-location information to authorized users.
Maintain, diagnose and improve reliability and security.
Comply with applicable legal obligations and enforce service terms.

4. Wallet and Credential Data

When a merchant or administrator creates a wallet through the Service, the recovery phrase is displayed during creation and stored in encrypted form in the configured database. API secrets and other sensitive credentials are also protected using the application’s configured security mechanism.

Authorized account holders are responsible for securely recording recovery phrases and controlling access. Do not submit recovery phrases, private keys or API secrets through customer-facing fields, descriptions, callbacks or support messages.

5. Public Blockchain Records

Cryptocurrency addresses, transfers, amounts, token contracts and transaction hashes recorded on a public blockchain are visible to the public. Blockchain data is maintained by decentralized networks, not by us, and generally cannot be altered or erased.

7. Retention

Account, subscription, order, transaction, callback, login and security records are retained for as long as reasonably needed to provide the Service, maintain business and audit records, resolve disputes, protect security and meet legal obligations. Retention periods may differ by record type and applicable law.

Public blockchain data remains subject to the operation of the relevant blockchain even after related application records are removed.

8. Security

We use access controls, credential hashing, encryption for designated secrets, request signing and operational logging intended to protect information. No online service, software or storage system can guarantee absolute security.

You should use a strong unique password, protect API secrets, restrict server access, verify callback and payment data, back up recovery phrases offline and keep wallet software and plugins updated.

9. Access, Correction and Other Choices

Merchants can review or update available profile information through the merchant portal. Depending on applicable law, a person may request access, correction or deletion of eligible personal information. Some records may need to be retained for security, transaction integrity, legal obligations or dispute resolution.

Requests should identify the relevant account or merchant and may require verification. Questions may be submitted through the official contact method published at https://mochi.bz.

10. Children

The Service is intended for merchants and developers able to enter into binding agreements. It is not directed to children, and merchants should not intentionally submit children’s personal information unless they have a lawful basis to do so.

11. Policy Updates

We may update this policy to reflect changes in the Service, security practices or legal requirements. The effective date at the top of the page will be revised when a new version is published.

Product activity and setup progress

Registration and subscription attempts may include a predefined failure category, such as invalid email format or an unavailable payment quote. No typed email, password or form contents are included in these attempt events. Shopping-platform preferences support account setup. Collector health records contain worker timestamps and counters, are retained for seven days, and are separate from visitor and payment records. Promotion links may include a short campaign identifier, which is saved with observed events. Subscription checkout can record browser-reported copy actions and refresh failures, and server-observed payment-method changes. Visits are inferred from existing event timestamps; activity spans do not measure active reading time. Payment status always comes from server records.

Website visitor, page-view and country statistics are derived from the same recorded visitor events. Events remain stored in UTC; report date ranges follow the administrator’s saved time zone, defaulting to UTC. Visitor activity records use a signed browser identifier cookie with a 90-day expiry, visit timestamps, IP addresses, locally resolved country/region/city, source category, referrer hostname, user-agent text and selected page or link targets. Query strings, form contents, passwords and API secrets are not stored in visitor activity records. Recognized bots and signed-in administrators are excluded.

Successful registration or login links that browser identifier to the merchant account for authorized administrator analysis of subscription conversion. A browser can have multiple linked accounts; we do not treat its identifier as a verified person or merge visits across devices. Subscription payment status is read from existing server records. Demo actions are simulations and do not count as real subscription payments.

Visitor event details are retained for 90 days and removed in background batches while the website is running; inactive visitor/account links are also removed. Dashboard totals cover the last 90 calendar days in the selected time zone and deduplicate browser IDs across that entire period. Personal backend time-zone preferences are stored with the account; no browser time zone is detected. Legacy IP-day aggregates are retained as historical data and are no longer used for current visitor statistics. Clearing cookies creates a new browser identity. IP-derived locations can reflect a proxy, VPN or mobile network and are approximate. Activity recording is buffered in memory and can be incomplete after a restart or outage; it does not control payment processing.

Affiliate referrals and payouts

Visiting a valid referral link may store a signed referral cookie for 30 days so a new registration can be attributed to the first referring affiliate. Clearing cookies or changing devices may prevent attribution. Registered referral relationships, subscription commission records, payout addresses, manual payment transaction hashes and review records are retained to administer the affiliate program. Affiliates see referral numbers and dates, not referred customers' email addresses. These records are accessible to authorized platform administrators. The referral cookie does not change our aggregate public website traffic statistics.

Privacy Policy