Privacy Policy

Effective date: September 22, 2026

This Privacy Policy explains how VIA ONE Corporation ("Via One", "we", "us") collects, uses, shares and protects personal information when you visit via.one, use our messaging based services on WhatsApp or Telegram, use a Via One account or wallet, or transact with a retailer that uses the Via One platform. It applies to consumers, to the customers and employees of retailers on our platform, and to visitors of this website.

1. Who we are

VIA ONE Corporation is a Wyoming corporation. Some services are provided together with our affiliated companies and with regulated financial institutions, payment networks and mobile operators (our "service partners"). Where an affiliate or partner is the provider of record for a specific product, its own terms and privacy notice also apply and are shown to you at the time.

2. Information we collect

Information you give us

• Identity and contact details: full name, date of birth, mobile phone number, email address and, where required for a product, government identification, address and tax identifiers.
• Transaction details: the phone number, account or card you are sending to, recipient name, amount, currency, purpose of payment and the bank or operator involved.
• Account security: a PIN you create, one time codes and your responses to security questions.
• Messages: the content of conversations you have with our service on WhatsApp, Telegram or other channels, including voice notes you choose to send.
• Support requests: anything you send us when you ask for help.

Information collected automatically

• Device and usage data: IP address, device type, operating system, browser, language, pages viewed and the date and time of each interaction.
• Messaging metadata: the phone number or handle you message us from, delivery and read status, and the channel used.
• Transaction logs: the outcome of each payment, top up, transfer or card action, kept for reconciliation and dispute handling.

Information from other sources

• Verification providers: results of identity, sanctions, fraud and phone number checks.
• Service partners: confirmation, status and settlement details for transactions you initiate.
• Retailers on our platform: when you transact at a store that uses Via One, the store may provide your phone number and the product you purchased so that we can deliver it.

3. How we use information

We use automated systems, including artificial intelligence, to understand your messages, route your request and detect fraud. A person reviews any decision that would deny you a service or close your account.

4. How we share information

We share personal information only as follows:

• Service partners that carry out the transaction: banks, payment networks, card issuers, mobile operators and their processors. They receive only what is needed to complete and reconcile that transaction.
• Verification and security providers for identity, sanctions, fraud and phone checks.
• Messaging platforms that deliver our conversations, such as WhatsApp and Telegram, under their own terms.
• Retailers on our platform that served you, limited to the status of the product you bought at their store.
• Affiliated companies that provide part of the service, under this same policy.
• Professional advisers and service providers such as hosting, analytics, customer support and legal or audit firms, bound by confidentiality.
• Authorities and regulators when required by law, court order or a lawful request, or to protect the safety of any person.
• A successor in a merger, acquisition or sale of assets, under the same protections.

We do not sell personal information and we do not share it with third parties for their own marketing.

5. Messaging consent

By messaging us on WhatsApp, Telegram, SMS or a similar channel you agree to receive replies and transaction messages on that channel. Message and data rates from your carrier may apply. To stop marketing messages reply STOP; you will still receive messages about transactions you have started.

6. How long we keep information

We keep identity and transaction records for as long as your account is open and for at least five years after the last transaction, or longer where anti money laundering, tax or other laws require it. Conversation logs are kept for the same period when they relate to a transaction, and otherwise for no more than 24 months. Card numbers are never stored in our conversation records. When information is no longer needed we delete it or make it anonymous.

7. How we protect information

We use encryption in transit and at rest, access controls, logging and monitoring, and we limit access to staff who need it for their work. Payment card data is handled by certified processors and is not stored by us. No method of transmission or storage is completely secure; if we become aware of a breach that affects you we will notify you and the relevant authorities as the law requires.

8. Your choices and rights

• Access and correction: you can ask for a copy of the personal information we hold about you and ask us to correct it.
• Deletion: you can ask us to delete your information. We will do so unless we must keep it to meet a legal obligation, complete a transaction or resolve a dispute.
• Marketing: you can opt out at any time by replying STOP or contacting us.
• Cookies: this website uses only the cookies needed for it to work and for basic, aggregated analytics. You can block cookies in your browser.

California residents have the right to know what personal information we collect, use and disclose, to request deletion, to correct inaccurate information, and not to be discriminated against for exercising these rights. We do not sell or share personal information as those terms are defined in the California Consumer Privacy Act. Residents of the European Economic Area and the United Kingdom may also have rights to restrict or object to processing and to data portability, and may lodge a complaint with their supervisory authority. To exercise any right, email support@via.one. We will verify your identity before acting and respond within the time the law allows.

9. International transfers

Via One operates from the United States and delivers services in Mexico, Latin America and the Caribbean. Your information may be processed in the United States and in the country where a transaction is delivered. Where required, we use contractual protections for these transfers.

10. Children

Our services are for adults aged 18 and over. We do not knowingly collect information from anyone under 18. If you believe a minor has provided us information, contact us and we will delete it.

11. Changes to this policy

We may update this policy from time to time. The effective date at the top shows the latest version. For material changes we will notify you on the channel you use with us before they take effect.

12. Contact us