Privacy and policies

Privacy Policy

Last Updated: January 2026

Bridger AI Limited and its affiliates (“BridgerPay”, “we”, “our”, or “us”) provide a payment orchestration platform enabling merchants to connect with financial institutions and process transactions through our checkout solution. We recognize the importance of data privacy and are committed to protecting personal information entrusted to us by our merchants, their customers (“End Users”), website visitors, and partners.

This Privacy Policy explains how we collect, use, share, store, and secure personal information, and outlines your rights under applicable laws, including the EU General Data Protection Regulation (GDPR) and other data protection frameworks.

1. Who This Policy Applies To

This Privacy Policy applies to:

Visitors to our website (www.bridgerpay.com)

Merchants using our Services

End Users whose personal data is processed through our checkout solution

Any other individual interacting with us or our Services

2. Information We Collect

We may collect the following types of personal information:

Directly from you (Merchant or End User):

Name, email address, phone number

Billing, shipping, and payment details

Account login credentials

Communications and support requests

Automatically (via cookies, SDKs, APIs):

Device and browser information

IP address and location data

Usage metrics and transaction logs

Behavioral and performance data (e.g., clicks, heatmaps)

From third parties:

Payment processors, fraud prevention tools, and KYC/AML services

Your employer or contracting entity (if you are a merchant or user of our Services)

3. How We Use Your Information

We use personal information to:

Provide and maintain our Services

Authenticate access and manage user accounts

Process transactions securely

Prevent fraud and ensure security

Respond to inquiries and offer support

Comply with legal obligations (e.g., anti-money laundering laws)

Improve and develop our platform, analytics, and features

Send service-related communications and, where permitted by law and with consent where required, marketing communications.”

4. Legal Basis for Processing

We process your data under one or more of the following legal bases:

Performance of a contract – e.g., delivering checkout and payment services

Legitimate interests – e.g., fraud prevention, service improvements

Legal obligation – e.g., compliance with financial regulations

Consent – e.g., marketing communications, cookies

5. Data Sharing and Disclosure

We may share your data with

Our trusted third-party service providers

Payment processors, acquiring banks, and financial institutions integrated into our platform

Legal or regulatory authorities, when required

Acquirers or successors in the event of a merger, acquisition, or asset sale

We do not sell your personal data.

6. Cross-Border Data Transfers

If data is transferred outside the European Economic Area (EEA), we ensure appropriate safeguards are in place, such as:

EU Standard Contractual Clauses (SCCs)

Adequacy decisions by the European Commission

You may contact us at privacy@bridgerpay.com to request a copy of the safeguards used for cross-border transfers of personal data.

7. Data Retention

We retain personal data for a period of up to three (3) years after the end of our relationship with you, unless a longer retention period is required or permitted by law. This retention period allows us to:

Provide and support our Services

Comply with legal, accounting, and regulatory requirements (e.g., anti-money laundering laws)

Resolve disputes, enforce agreements, and prevent fraud

After the retention period, personal data will be securely deleted or anonymized, unless otherwise required by applicable law.

except where longer retention is required under financial, tax, anti-money laundering, or regulatory obligations.

8. Your Rights

Depending on your location, you have the right to:

Access, correct, or delete your personal data

Withdraw consent at any time (where processing is based on consent)

Object to or restrict certain types of processing

Receive a portable copy of your data

Lodge a complaint with a data protection authority

To exercise your rights, contact us at privacy@bridgerpay.com.

9. Cookies and Tracking Technologies

We use cookies and similar technologies for:

Authentication and session management

Analytics and performance tracking

Personalization and marketing (with consent)

See our Cookies Policy for more details and control options.

10. Data Security

We implement robust technical and organizational measures to protect personal data, including:

Encryption in transit and at rest

Access controls and multi-factor authentication

Regular penetration testing and security audits

However, no system is 100% secure. Please contact us immediately if you believe your account or data has been compromised.

11. Children’s Privacy

Our Services are not directed to individuals under 18. We do not knowingly collect data from children. If we become aware that we have collected personal data from a child under 18 without parental consent, we will take steps to delete that information as soon as possible.

12. Updates to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on our website with the “Last Updated” date. We encourage you to review it regularly.

13. Contact Us

If you have any questions, concerns, or complaints, please contact us at:

📧 privacy@bridgerpay.com

🏢 Bridger AI Limited, Eleftherias Street 153, Limassol, 3042, Cyprus

Terms of Service

Last Updated: January 21, 2026

These Terms and Conditions ("Terms and Conditions") are a legally binding agreement between you, the person or entity that will be accessing or using our website (referenced below as "You" or "Your"), and Bridger AI Limited (the "Company" or "We" or “Us”), with respect to the use of the Company's website at https://www.bridgerpay.com or any other online platform available to You by Company (the "Website"). These Terms and Conditions govern Your use of the Website and the information and content made publicly available on it, and do not govern the payment orchestration services or other services provided under a separate Subscription Agreement. By using the Company's Website, You accept the Terms and Conditions hereof. The Company reserves the right, in its sole discretion, to modify these Terms and Conditions at any time by posting the modified provisions on the Website, and You shall be responsible for reviewing and becoming familiar with any such modifications. Please note that any such modifications shall become effective immediately upon posting. IF YOU DO NOT AGREE TO ALL OF THESE TERMS AND CONDITIONS, YOU SHOULD NOT USE THE WEBSITE.

1 USAGE RULES

1.1 When You use our Website, You represent, warrant and covenant that the information You provide Us is accurate, complete, and current at all times. You agree to accept responsibility for any and all activities or actions in relation of Your use of our Website.

1.2 Your use of our Website is at Your own discretion and at Your sole risk and You will be solely responsible or liable for any loss of data, damage or harm to any of Your devices used to use or access the Website. The information obtained by using the Website is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement of any right, rule regulation or law, or any warranty whatsoever. The Company, its subsidiaries and its affiliates do not warrant that: a) the Website will function uninterrupted, secured or available at any particular time or location; b) any errors or defects will be corrected; c) the results of using the Website will meet your requirements. Additionally, data or content uploaded to the Website may be lost, damaged or otherwise unrecoverable.

2 PROHIBITED USE

2.1 You hereby undertake that You will not, and will not permit or authorize third parties to use the Website in any way that: (i) is defamatory, abusive, harassing, threatening, racially, or constitute an invasion of a right of privacy of another person, or otherwise offensive, violent, vulgar, obscene, or otherwise harms or can reasonably be expected to harm any person or entity; (ii) is illegal or encourages or advocates illegal activity, including without limitation any money laundering or financing of any individual or entity included in any sanctions list; (iii) post or transmit any communication or solicitation designed or intended to obtain private information from any third party; (iv) contain viruses, trojan horse, worm, or any other computer programs designed to interrupt, destroy, or limit the functionality of the Website or any system, computer software, hardware or telecommunications equipment; (v) use a false identity or impersonate another person; (vi) violate or infringing of any rights (including, without limitation, privacy right, copyright, or other intellectual property rights) of any third party; or (vii) violate these Terms and Conditions and/or our Privacy Policy or any Subscription Agreement and any applicable local, state, national or international law or regulation.

2.2 In addition, except as expressly authorized herein, You will not, and will not permit or authorize third parties to: (i) take any action intended to circumvent or disable the operation of any security feature or measure of the Website; (ii) publish, distribute, sell, disclose, market, sublicense, rent, lease, display, provide, transfer or make available any Company’s Content (as defined hereinafter) and/or the Website or any portion thereof, to any third party; (iii) reverse engineer, disassemble, enhance, or otherwise modify or use the source code of the Website or any part thereof; (iv) modify, reproduce, or create derivative works from the Website or any part thereof; (v) access or use the Website via automated means, including by crawling, scraping, caching, Bots or otherwise (except as may be the result of standard search engine protocols or technologies used by a search engine with our express consent).

3 COMPANY'S AND USERS CONTENT

3.1 The Company retains all right, title, and interest in and to the Website (including all related intellectual property rights). Subject to these Terms and Conditions, the Company hereby grants You a limited, personal, non-transferable, non-exclusive, non-assignable, permission to use the Website, provided that You will not alter or modify any part of the Website. Except as expressly provided herein, no other rights or licenses, expressed or implied, are granted to You by the Company with respect to the Website, including any part of its content and/or intellectual property right, whether registered or not.

3.2 All photos, texts, scripts, designs, graphics, logos, audios, videos, songs, interactive features, interfaces, software, code, trademarks, service marks, trade names and other content used, displayed, included, incorporated, uploaded, posted or published by the Company as part of the Website, are the sole property of the Company and/or their licensors (""Company's Content""), and subject to copyright and other intellectual property rights under applicable laws, and You may not use, download, distribute and/or copy them, in whole or in part, without the prior written permission of the Company. For the sake of clarity, You may not copy, reproduce, modify, publicly display, publicly perform, publish, distribute sell, license, rent, transfer, reproduce, create derivative works based on, or exploit in any way, the Company's Content or any part thereof.

3.3 If You believe in good faith that any material or content made available on or through the Website has been used or exploited in a manner that infringes and/or violates any of your rights, including intellectual property rights, please send Us prompt written notice thereof via e-mail (at: compliance@bridgerpay.com), while specifying the exact location of the infringing material, relevant details of the nature of the infringement etc. We will examine Your notice within a reasonable time, and if we will find that the use of the material and/or content in question does indeed violates Your rights, then we will remove the relevant material and/or content from the Website.

3.4 Our Website allows You to contact Us by providing contact information and a description of your application/request (“Content”). You are responsible for the Content that You provide Us on the Website, including its legality, reliability, and appropriateness. By providing Us the Content, You represent and warrant that: (i) the Content is yours and/or You have the right to use it and the right to grant Us the rights to use it as described in these Terms and/or our Privacy Policy and (ii) that the Content does not violate any privacy rights, publicity rights, copyrights, trademarks, contract rights or any other rights of any person or entity. You retain any and all of Your rights to any Content You submit on our Website. We take no responsibility and assume no liability for Content You or any third-party provide Us on or through the Website. However, by providing Us the Content on our Website, you hereby grant Us the right and permission to use, modify, publicly display that Content, in order to use our best endeavors to assist you with your application/request. The Company has the right, but not the obligation, to monitor, edit or delete all Content provided by You at any time.

4 GENERAL TERMS OF SERVICE

4.1 The Company reserves the right to change, suspend, take offline or discontinue its Website, at its sole discretion, at any time and without notice or liability.

4.2 You are solely responsible for the activity that occurs in relation to the Website by You or on Your behalf. You must notify the Company immediately of any breach of security or unauthorized use of the Company's Website. The Company will not be liable for any losses caused by any use of the Company Website.

4.3 You are responsible for obtaining and maintaining any equipment, hardware, software or ancillary services required to access and use the Website, and for any fees charged by third parties in connection therewith, as necessary, and the Company have no responsibility or obligation in connection therewith.

4.4 If You send the Company any feedbacks or suggestions regarding the Website, You acknowledge that the Company may use them at its sole discretion, without any obligation to compensate You in any manner for such feedbacks or suggestions.

4.5 It is hereby clarified that the Website may contain any links to other third parties' websites, applications or features and/or other platforms, or referrals to certain third parties’ products, content or services that are not owned or controlled by the Company and that the Company has no control over them. If You choose to visit such third party’s websites, applications or features and/or other platforms, or use its products or services, please be aware that such third party’s own terms of service and privacy policy will apply and govern Your activities. The Company does not make any representation or warranty whatsoever regarding such third party's websites, applications, features, other platforms services, products or content. The Company also does not endorse and cannot ensure that You will be satisfied with any content, products or services that You accessed, purchased or download from such other third parties, and is not responsible or liable in any manner for Your interaction with such third parties.

5 TERMINATION

The Company may terminate or suspend the Website (or any part thereof) immediately, without prior notice or liability and on its sole discretion. All the provisions of these Terms and Conditions which by their nature should survive termination (including, without limitation, ownership provisions, warranty disclaimers, indemnification obligations and limitations of liability) shall remain in full force and effect following termination thereof. Termination of these Terms and Conditions shall not relieve You from any obligation arising or accruing prior to such termination or limit any liability which You otherwise may have to the Company. If you have executed a Subscription Agreement with Company or any of its resellers, the termination provisions ins such Subscription Agreement shall apply, and, in addition, Company may terminate Your use of the Website immediately upon violation of these Terms and Conditions.

6 WARRANTY AND DISCLAIMER

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS SOLELY WITH YOU. THE WEBSITE IS PUBLISHED WITHOUT WARRANTY OF ANY KIND. THE COMPANY DOES NOT WARRANT THAT YOUR USE OF THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE OR WILL MEET YOUR SPECIFIC REQUIREMENTS. THE COMPANY MAKES NO WARRANTY OR REPRESENTATION, EITHER EXPRESS OR IMPLIED, REGARDING THE WEBSITE, THE CONTENT AND YOUR USE THEREOF, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AVAILABILITY, SECURITY, COMPATIBILITY, NON-INFRINGEMENT OR COMPLETENESS OF RESPONSES, RESULTS AND LACK OF NEGLIGENCE.

7 LIMITATION OF LIABILITY

IN NO EVENT SHALL THE COMPANY, ITS SHAREHOLDERS, DIRECTORS, OFFICERS OR EMPLOYEES, BE LIABLE FOR ANY PERSONAL INJURY, OR ANY SPECIAL, INCIDENTAL, PUNITIVE, CONSEQUENTIAL OR INDIRECT DAMAGES, INCLUDING LABOR COSTS, LOSS OF DATA, LOSS OF GOODWILL, LOSS OF PROFITS, LOSS OF SAVINGS, LOSS OF BUSINESS INFORMATION, OR LOSS OF USE OR OTHER PECUNIARY LOSS, IN CONNECTION WITH OR ARISING OUT OF THESE TERMS AND CONDITIONS, THE WEBSITE, ANY TRANSACTION, OR YOUR USE OF OR INABILITY TO USE THE WEBSITE, HOWEVER CAUSED, ON ANY THEORY OF LIABILITY, REGARDLESS OF WHETHER THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT DEROGATING FROM THE ABOVE, IN NO CASE SHALL THE AGGREATE LIABILITY OF THE COMPANY AND ITS SHAREHOLDERS, DIRECTORS, OFFICERS AND EMPLOYEES UNDER THESE TERMS AND CONDITIONS OR ARISING OUT OF OR OTHERWISE RELATED TO YOUR USE OF THE WEBSITE EXCEED ONE HUNDRED US DOLLARS. FOR THE AVOIDANCE OF DOUBT, THIS LIMITATION OF LIABILITY SHALL NOT APPLY TO ANY CLAIMS GOVERNED BY A SEPARATE WRITTEN SUBSCRIPTION AGREEMENT WITH THE COMPANY.

8 INDEMNIFICATION

Upon its first demand, You will indemnify and hold the Company, its shareholders, directors, officers and employees, harmless from any claim, liability, cost, loss, damage and expense (including reasonable legal fees) caused due to Your access and use of the Website in violation of these Terms and Conditions or in violation or infringement of any rights (including, without limitation, privacy right, copyright, or other intellectual property rights) of any third party and applicable law.

9 MISCELLANEOUS

9.1 These Terms and Conditions and its performance shall be governed exclusively by the laws of Cyprus, without regard to conflict of law’s provisions that would result in the application of the laws of any other jurisdiction. The parties hereto submit the exclusive jurisdiction to the courts of Limassol, Cyprus.

9.2 These Terms and Conditions and our Privacy Policy constitute the entire agreement between You and the Company with respect to the access and/or use of the Website, and supersede all prior or contemporaneous understandings regarding such subject matter. For the avoidance of doubt, nothing in these Terms and Conditions shall supersede the terms of any separate written Subscription Agreement between You and the Company. The Privacy Policy is available at: https://www.bridgerpay.com/privacy-policy.

9.3 The Company reserves the right to update these Terms and Conditions from time to time, with or without notice, and will post its updated Terms and Conditions on its website. Your continued use of our Website will be subject to the then-current Terms and Conditions. If any modification is unacceptable to You, You may cease using the Website. If You do not cease using the Website, You will be deemed to have accepted those modifications.

9.4 These Terms and Conditions will also govern any future upgrades or updates or new releases provided by the Company in connection with the Website, unless any such upgrades or updates are accompanied by a separate set of terms and conditions, in which case the terms of that upgraded or updated terms and conditions will govern.

9.5 In the event that a court of competent jurisdiction finds any provision of these Terms and Conditions to be illegal, invalid or unenforceable, the remaining provisions will remain in full force and effect.

9.6 The failure of the Company to enforce any right or provision in these Terms and Conditions will not constitute a waiver of such right or provision unless acknowledged and agreed by the Company in writing.

9.7 If You have any questions or queries about these Terms and Conditions or our website in general, please do not hesitate to contact us via e-mail at: compliance@bridgerpay.com.

Prohibited Businesses

BridgerPay has strict guidelines regarding the businesses, products, and services that we deem to be prohibited or restricted from using BridgerPay’s services.

Prohibited – we will not process for these products and services.

Restricted – may be eligible but only with prior approval in writing from BridgerPay Compliance.

The types of businesses listed below are representative, but not exhaustive. Businesses that offer illegal products or services are never eligible to use BridgerPay.

If you are uncertain as to whether a business is Prohibited or Restricted or you have questions about how these requirements apply to your clients, please contact BridgerPay Compliance (compliance@bridgerpay.com).

Prohibited Products and Services – will not be allowed

1 Adult entertainment, website or contents such as:

Sexually oriented items such as sex toys

Adult escorts, prostitution services and massage parlours

Child pornography

Male or Female Sexual Enhancement Supplements or Products

Video texting or paid subscriptions to live-streaming where it involves adult erotic content or conversations

Gentleman’s Clubs, Strip Clubs and Topless Bars

2 Counterfeit items

3 Credit repair services

4 Drugs or drug proprietors selling illegal substances

5 Drug paraphernalia that involves equipment designed for making or using drugs

6 Espionage equipment and accessories

7 Human remains and body parts

8 Illegal investment schemes

9 Illegal downloads of movies, music, computer and video games

10 Illegal software – e.g. Malware, Software to break encryption of phones/computers

11 Illegal sale of financial information (e.g. bank accounts, bank cards)

12 Poisonous and hazardous materials

13 Products/Services promoting abuse, hatred, racism, religious persecution, terrorism, violence or contain offensive content

14 Pyramid or ponzi schemes

15 Sanction list inclusions (global)

16 Shell banks and companies

17 Signal Jammers/Blockers that interferes with cellular/communication devices

18 Stolen goods including digital and virtual goods

19 Surrogacy services

20 Tobacco / Cigar / Electronic Cigarette / Nicotine content products

21 Trade of weapons, ammunition, military arms, explosive devices and firearm parts

22 Marketing or lead generation companies for non-regulated enterprises or illegal enterprises

23 Any other category, products or services that BridgerPay decides to prohibit, in its sole discretion.