Last update: 26 June 2026
OSL Pay (also known as WisPay) operates internationally through different entities (together “OSL Pay,” “we,” “us,” or “our”) to provide fiat on ramp and fiat off ramp services for buying and selling cryptocurrency. Please see the table below in “Contact Us” to determine which entity or entities you are contracting with.
This Privacy Policy is designed to help you understand how we collect, use, process, and share your personal information, and to help you understand and exercise your privacy rights.
This Privacy Policy applies to personal information processed by us, including on our websites, mobile applications, and other online or offline offerings. To make this Privacy Policy easier to read, our websites, mobile applications, and other offerings are collectively called the “Services.”
For information on our processing of Non-public Information that is subject to the General Data Protection Regulation (“GDPR”).
Changes to our Privacy Policy. We may revise this Privacy Policy from time to time in our sole discretion. If there are any material changes to this Privacy Policy, we will notify you as required by applicable law. You understand and agree that you will be deemed to have accepted the updated Privacy Policy if you continue to use our Services after the new Privacy Policy takes effect.
We collect information from you and about you. Here are some examples of the information we may collect, how we may collect it, how we may use it, how we may disclose it and whether we share it for cross-contextual marketing purposes or sell it. Below this Notice At Collection, you will find more detailed descriptions of how we may use and disclose these categories of personal information. For information regarding our data retention criteria, please see the Retention of Personal Information section below.
The categories of personal information we collect / process depend on how you interact with us, our Services, and the requirements of applicable law. We collect information that you provide to us, information we obtain automatically when you use our Services, and information from other sources such as third-party services and organizations, as described below.
Account Administration Information. We may collect personal information from you in connection with the administration of your account. This personal information may include your name, date of birth, age, nationality, country of residence, gender, occupation, signature, utility bills, professional details, photographs, video footage, phone number, home address, email address, government issued identification such as passport, driver’s license, national identification card with photograph, tax identification number, national insurance number, social security number and visa information.
Financial and Transactional Information. We may collect financial information such as your wallet address, bank account numbers, bank statements, transaction history, trading data, and credit/debit card numbers. We may collect personal information and details associated with your transactions including, but not limited to, information about the transactions you make using the Services, the purpose of the transactions, information on sources of your funds, sender and receiver of funds, and ultimate beneficiary information.
Your Communications with Us. We may collect personal information, such as email address, phone number, or mailing address when you request information about our Services, register for our newsletter, request customer or technical support, or otherwise communicate with us.
Surveys. We may contact you to participate in surveys. If you decide to participate, we may collect personal information from you in connection with the survey.
Interactive Features. We and others who use our Services, such as our third-party technology vendors, may collect personal information that you submit or make available through our interactive features (e.g., messaging and chat features, commenting functionalities, forums, blogs, and social media pages). Any information you provide using the public sharing features of the Services will be considered “public,” unless otherwise required by applicable law.
Sweepstakes or Contests. We may collect personal information you provide for any sweepstakes or contests that we offer. In some jurisdictions, we are required to publicly share information of sweepstakes and contest winners.
Conferences, Trade Shows, and Other Events. We may collect personal information from you when we attend or host conferences, trade shows, and other events.
Business Development and Strategic Partnerships. We may collect personal information from you and third parties to assess and pursue potential business opportunities.
Job Applications. We may post job openings and opportunities on our Services. If you respond to one of these postings, we may collect your personal information, such as your application, CV, cover letter, and/or any other information you provide to us.
For each of the categories above, we may use the information to provide our services, for administrative purposes, for marketing and advertising our products and services, with your consent, for other purposes, or at your request or direction. We may disclose the information to provide our services, to protect us or others, in the event of a merger, sale or other asset transfers, or at your request or direction. We do not share this information for cross-contextual marketing purposes or sell it.
We may collect personal information automatically when you use our Services, as described below.
Technical Information. We may collect certain information automatically when you use our Services, such as your Internet protocol (IP) address, user settings, MAC address, cookie identifiers, mobile carrier, mobile advertising and other unique identifiers, browser or device information, location information (including precise location information and/or approximate location derived from IP address), and Internet service provider. We may also automatically collect information regarding your use of our Services, such as pages that you visit before, during and after using our Services, information about the links you click, the types of content you interact with, the frequency and duration of your activities, and other information about how you use our Services.
Biometric Information. If you consent to our collection of biometric information or if our collection of biometric information is otherwise permitted, you agree that we may use facial recognition technology to extract biometric information contained in facial images that you provide to the Services. For example, we may compare the face on your government-issued photo ID against a selfie that you provide to us. We use this biometric information for identity verification and fraud prevention. This information may be shared with, or collected by, our service providers to facilitate these purposes. Where required by law, we will delete your biometric information within one year from your last interaction with the Services.
Third-Party Services and Sources. We may obtain personal information about you from other sources, including through Third-Party Services (defined below) and organizations. For example, if you access our Services through a third-party application, such as an app store, a third-party login service, or a social networking site, we may collect personal information about you from that third-party application that you have made available via your privacy settings. We may also obtain personal information about you from other third-party sources, including information about your transactions, wallet balances or usage, and other information.
Credit Bureaus and ID Verification Partners. We may obtain personal information about you from credit bureaus and identity verification partners.
Blockchain Information. We may obtain personal information about you through our analysis of blockchain information.
Referrals and Sharing Features. Our Services may offer various tools and functionalities that allow you to provide personal information about your friends through our referral service. Our referral services may also allow you to forward or share certain content with a friend or colleague, such as an email inviting your friend to use our Services. Please only share with us contact information of people with whom you have a relationship (e.g., relative, friend, neighbor, or co-worker).
For each of the categories above, we may use the information to provide our services, for administrative purposes, for marketing and advertising our products and services, with your consent, for other purposes, or at your request or direction. We may disclose the information to provide our services, to protect us or others, in the event of a merger, sale or other asset transfers, or at your request or direction. We do not share this information for cross-contextual marketing purposes or sell it.
We use your personal information for a variety of business purposes, including to provide our Services, for administrative purposes, and to market our products and Services, as described below.
We use your information to fulfil our contract with you and provide you with our Services, such as:
We use your information for various administrative purposes, such as:
We may use personal information to tailor and provide you with content and advertisements. We may provide you with these materials as permitted by applicable law. Some of the ways we may market to you include email campaigns, text messages, custom audiences advertising, and “interest-based” or “personalized advertising,” including through cross-device tracking.
If you have any questions about our marketing practices, you may contact us at any time as set forth in “Contact Us” below.
We may use personal information for other purposes that are compatible with the specific purpose(s) that were disclosed to you at or before the time you provided your personal information, or with your consent.
We also use your personal information for other purposes as requested by you or as permitted by applicable law.
Automated Decision Making. We may engage in automated decision making, including profiling. For example, we may engage in automated decision making for purposes of fraud prevention. This automated decision making may involve the processing of your name, contact information and government identification numbers. This process allows us to verify the identity of the users of the Services and protect ourselves and our users by allowing us to detect and prevent fraudulent or criminal transactions. As a result of our use of automated decision making, your account, or specific transactions through the Services, may be suspended or denied. You may have the right to opt out of the processing of your personal information for profiling in furtherance of decisions about you that produce legal or similarly significant effects. OSL Pay’s processing of your personal information will not result in a decision based solely on automated processing that significantly affects you unless such a decision is necessary as part of a contract we have with you, we have your consent, or we are permitted by law to engage in such automated decision making. If you have questions about our automated decision making, you may contact us as set forth in “Contact Us” below.
De-identified and Aggregated Information. We may use personal information to create de-identified and/or aggregated information, such as demographic information, information about the device from which you access our Services, or other analyses we create.
We may use personal information for other purposes that are clearly disclosed to you at the time you provide personal information or with your consent.
We disclose your personal information to third parties for a variety of business purposes, including to provide our Services, to protect us or others, or in the event of a major business transaction such as a merger, sale, or asset transfer, as described below.
Notice Regarding Use of the Blockchain. Aspects of our Services may be hosted on or interact with the blockchain. Where you use aspects of our Services that are hosted on or interact with the blockchain, information about your interactions and/or transactions will be provided to the applicable blockchain network and may be accessible to third parties due to the nature of the blockchain protocol.
The categories of third parties with whom we may disclose your personal information are described below.
We may access, preserve, and disclose any information we store associated with you to external parties if we, in good faith, believe doing so is required or appropriate to: comply with law enforcement or national security requests and legal process, such as a court order or subpoena; protect your, our, or others’ rights, property, or safety; enforce our policies or contracts; collect amounts owed to us; or assist with an investigation or prosecution of suspected or actual illegal activity.
If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction, as permitted by law and/or contract.
We may disclose personal information for other purposes at your request or direction. We may also disclose your personal information for purposes that are specifically disclosed at the time of collection.
We store the personal information we collect as described in this Privacy Policy for as long as you use our Services, or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws. Please note that due to technical restrictions inherent in the blockchain, deletion of some of your personal information may be difficult or impossible.
We, as well as third parties that provide content, advertising, or other functionality on our Services, may use cookies, pixel tags, and other tracking technologies (“Technologies”) to automatically collect information through your use of our Services.
Our uses of these Technologies fall into the following general categories:
Your Privacy Choices. The privacy choices you may have about your personal information are determined by applicable law and are described below.
The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the Network Advertising Initiative, the Digital Advertising Alliance, the European Digital Advertising Alliance, and the Digital Advertising Alliance of Canada. Please note you must separately opt out in each browser and on each device.
Your Privacy Rights. Based on your state and country of residence, you may have the rights listed below with respect to the personal information that we maintain about you. We may take steps to verify your identity, as permitted or required under applicable law, before we process your request. Verification may include asking you to provide information about yourself that we can match against information already in our possession.
If you would like to exercise any of these rights, please contact us as set forth in “Contact Us” below. We will process such requests in accordance with applicable laws. Please note that technical restrictions inherent in the blockchain may make certain requests difficult or impossible (e.g., deletion).
Agents. Agents that you have authorized to act on your behalf may also submit privacy requests as instructed above. The agent must also provide evidence that they have your written permission to submit a request on your behalf. If we are unable to verify the authenticity of a request, we may ask you for more information or may deny the request.
De-Identified Information. If we create or receive de-identified information, we will not attempt to re-identify such information, except to comply with applicable law.
Appeal Process. If you exercise any of the above rights and either (a) receive a decision from us which you disagree with or (b) we have not acted on your request within the statutorily mandated timeframe, you may submit a written appeal by contacting us as set forth in “Contact Us” below. If we deny the appeal, you may contact your relevant regulator (e.g., if you are a resident of Virginia, you may submit a complaint to the Virginia Attorney General at: https://www.oag.state.va.us/consumer-protection/index.php/file-a-complaint).
We take steps to ensure that your information is treated securely and in accordance with this Privacy Policy.
By using our Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of our Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on our Services, by mail, or by sending an email to you.
All information processed by us may be transferred, processed, and stored anywhere in the world, which may have data protection laws that are different from the laws where you live. We endeavor to safeguard your information consistent with the requirements of applicable laws.
If we transfer personal information which originates in the European Economic Area, Switzerland, and/or the United Kingdom to a country that has not been found to provide an adequate level of protection under applicable data protection laws, one of the safeguards we may use to support such transfer is the EU Standard Contractual Clauses or the UK International Data Transfer Agreement.
For more information about the safeguards we use for international transfers of your personal information or the transfers themselves, please contact us as set forth below.
This Supplemental Notice for Australia only applies to our processing of personal information that is subject to the applicable data protection laws of Australia.
This Supplemental Notice for Canada only applies to our processing of personal information that is subject to the applicable data protection laws of Canada.
This Supplemental Notice for the European Economic Area and the United Kingdom only applies to our processing of personal information that is subject to the applicable data protection laws of the European Economic Area or the United Kingdom.
These are the processing goals, legal processing grounds and retention terms for personal data we collected directly from you:
| Category of data | Processing goals | Processing grounds | Retention term |
|---|---|---|---|
| Account administration Such as: name, date of birth, age, nationality, country of residence, gender, occupation, signature, utility bills, professional details, photographs, video footage, phone number, home address, email address, government issued identification such as passport, driver’s license, national identification card with photograph, tax identification number, national insurance number, social security number, visa information and/or any other information deemed necessary to comply with our legal obligations under anti-money laundering and counter terrorism financing laws and procedures. | To onboard you as our customer and to provide our Services | Necessary for the performance of our contract and to take steps prior to entering into a contract (Art. 6.1(b) of the GDPR and UK GDPR) | 1 year after closing your account |
| To comply with legal obligations, such as tax-, social security legislation laws to counter money laundering and financing of terrorism | Necessary for compliance with a legal obligation (Art. 6.1(c) of the GDPR and UK GDPR) | As long as the applicable legal obligation dictates. Tax legislation In UK, LU and LV: 10 years. In NL: 7 years. Anti-money laundering In UK, LU and NL: 5 years after the end of your relationship with us. In LV: 8 years after the end of your relationship with us. | |
| To send you information or offer you services that are akin to Services we already provide to you | Necessary for the purposes of a legitimate interest (Art. 6.1(f) of the GDPR and UK GDPR), which legitimate interest is direct marketing and order recovery and updates | 1 year after closing your account | |
| To send you information or commercial offers that are different from the Services that we already provide to you | Your consent (Art. 6.1(a) of the GDPR and UK GDPR) | Until you withdraw your consent | |
| Financial and transactional information Such as: wallet address, bank account numbers, bank statements, transaction history, trading data, credit/debit card numbers. Information about the transactions you make using the Services, the purpose of the transactions, information on sources of your funds, sender and receiver of funds, and ultimate beneficiary information. | To provide our services | Necessary for the performance of our contract (Art. 6.1(b) of the GDPR and UK GDPR) | 1 year after closing your account |
| To comply with legal obligations, such as tax-, social security- and anti-money laundering laws | Necessary for compliance with a legal obligation (Art. 6.1(c) of the GDPR and UK GDPR) | As long as the applicable legal obligation dictates. Tax legislation In UK, LU and LV: 10 years. In NL: 7 years. Anti-money laundering In UK, LU and NL: 5 years after the end of your relationship with us. In LV: 8 years after the end of your relationship with us. | |
| Your communications with us | To answer your questions and to provide our Services | Necessary for the performance of our contract (Art. 6.1(b) of the GDPR and UK GDPR) | 1 year after closing your account |
| To document our rights and obligations towards you | Necessary for the purposes of a legitimate interest (Art. 6.1(f) of the GDPR and UK GDPR) | As long as the applicable statute of limitations for rights or liabilities that are connected to the topic of the communication | |
| Your responses in surveys | To develop our business and enhance our services | Your consent (Art. 6.1(a) of the GDPR and UK GDPR) | 3 years after your participation in the survey, or until you withdraw your consent (whichever is sooner) |
| Information you provide through our Interactive Features | If you communicate with us directly (privately) through our Interactive Features: to answer questions you might have or provide services that you request | Necessary for the performance of our contract (Art. 6.1(b) of the GDPR and UK GDPR) | 1 year after closing your account |
| If you publicly post something on our Interactive Features: to share information for the benefit of others who take an interest in our services and our Interactive Features | Your consent (Art. 6.1(a) of the GDPR and UK GDPR) | Until you withdraw your consent | |
| Information you provide at conferences, trade shows or other events | For market research, in order to develop our business and enhance our services | Necessary for the purposes of our legitimate interest (Art. 6.1(f) of the GDPR and UK GDPR), which legitimate interest is research and development (including marketing research) and taking into consideration that the processed personal data was provided of your own volition at the conference/trade show/event and that our processing is in line with the spirit in which the data was provided | 2 years after the conference, trade show or event |
| To contact you, e.g. with questions or offers connected to the expertise or interests you displayed at the conference, trade show, or event | Necessary for the purposes of our legitimate interest (Art. 6.1(f) of the GDPR and UK GDPR) | 2 years after the conference, trade show or event | |
| Information you provide in a job application | To evaluate your application and respond to it | Your consent (Art. 6.1(a) of the GDPR and UK GDPR) | 6 months after we gave you our final decision on your application, or one year with your permission |
These are the processing goals, legal processing grounds and retention terms for personal data that are collected automatically when you use our Service:
| Category of data | Processing goals | Processing grounds | Retention term |
|---|---|---|---|
| Internet protocol (IP) address, user settings, MAC address, cookie identifiers, mobile carrier, mobile advertising and other unique identifiers, browser or device information, location information (including precise location information and/or approximate location derived from IP address), and Internet service provider. | To allow our computers to recognize your device and communicate with it, in order to perform our Services | Necessary for the performance of our contract (Art. 6.1(b) of the GDPR and UK GDPR) | For the duration of your session |
| To monitor the use of our Services for the purpose of recognizing and combating attacks on its security | Necessary for the purposes of our legitimate interest (Art. 6.1(f) of the GDPR and UK GDPR), which legitimate interest is network and information security and fraud prevention | 24 hours after ending your session | |
| To better understand the way people use our Services, so that we can improve on them | Your consent (Art. 6.1(a) of the GDPR and UK GDPR) | 2 years, or until you withdraw your consent; whichever is sooner | |
| To share this information with our advertising partners, so that they may offer you information or advertisements that are tailored to your interests | Your consent (Art. 6.1(a) of the GDPR and UK GDPR) | 2 years, or until you withdraw your consent; whichever is sooner | |
| Information regarding your use of our Services, such as pages that you visit before, during and after using our Services, information about the links you click, the types of content you interact with, the frequency and duration of your activities, and other information about how you use our Services | To better understand the way people use our Services, so that we can improve on them | Your consent (Art. 6.1(a) of the GDPR and UK GDPR) | 2 years, or until you withdraw your consent; whichever is sooner |
| To share this information with our advertising partners, so that they may offer you information or advertisements that are tailored to your interests | Your consent (Art. 6.1(a) of the GDPR and UK GDPR) | 2 years, or until you withdraw your consent; whichever is sooner | |
| Biometric data, e.g. for facial recognition | For identification and authentication only | Your explicit consent (Art. 6.1(a) of the GDPR and UK GDPR) | 1 year after closing your account, or until you withdraw your consent; whichever is sooner |
These are the processing goals, legal processing grounds and retention terms for personal data that we collect elsewhere:
| Category of data | Processing goals | Processing grounds | Retention term |
|---|---|---|---|
| Information we receive if you access our Services through an app store, a third-party login service, or a social networking site, that you have made available via your privacy settings | To identify you and authorize your access to our Services | Necessary for the performance of our contract (Art. 6.1(b) of the GDPR and UK GDPR) | As long as is technologically necessary to grant you access to our Services |
| To offer you information or advertisements that are tailored to your interests | Your consent (Art. 6.1(a) of the GDPR and UK GDPR) | Until you withdraw your consent | |
| Information we receive from credit bureaus and identity verification partners | To assess our risks when contracting with you | Necessary for the performance of our contract (Art. 6.1(b) of the GDPR and UK GDPR) | 1 year after closing your account |
| To comply with legal obligations, such as tax-, social security- and anti-money laundering laws | Necessary for compliance with a legal obligation (Art. 6.1(c) of the GDPR and UK GDPR) | As long as the applicable legal obligation dictates. Tax legislation In UK, LU and LV: 10 years. In NL: 7 years. Anti-money laundering In UK, LU and NL: 5 years after the end of your relationship with us. In LV: 8 years after the end of your relationship with us. | |
| Information about your transactions, wallet balances or usage, and other information we obtain through analysis of blockchain information or from third parties | To develop our business and enhance our services | Necessary for the purposes of our legitimate interest (Art. 6.1(f) of the GDPR and UK GDPR), which legitimate interest is research and development (including marketing research) and network and information security and fraud prevention | 1 year after closing your account |
| To comply with legal obligations, such as tax-, social security- and anti-money laundering laws | Necessary for compliance with a legal obligation (Art. 6.1(c) of the GDPR and UK GDPR) | As long as the applicable legal obligation dictates. Tax legislation In UK, LU and LV: 10 years. In NL: 7 years. Anti-money laundering In UK, LU and NL: 5 years after the end of your relationship with us. In LV: 8 years after the end of your relationship with us. | |
| Your email address or other contact information if we received it through our referral service | To send you the information that your friend/relation thinks you are interested in | Our legitimate interest (Art. 6.1(f) of the GDPR and UK GDPR), which legitimate interest is direct marketing | For as long as is technologically necessary to send the information to you. |
| To send you further communications, if you opt in | Your consent (Art. 6.1(a) of the GDPR and UK GDPR) | Until you withdraw your consent | |
| To monitor the effect of our referral service | Our legitimate interest (Art. 6.1(f) of the GDPR and UK GDPR), which legitimate interest is direct marketing and to provide our Services | 2 years after the referral |
The Services are not directed to children under 13 (or other age as required by local law), and we do not knowingly collect personal information from children.
If you are a parent or guardian and believe your child has uploaded personal information to our site without your consent, you may contact us as described in “Contact Us” below. If we become aware that a child has provided us with personal information in violation of applicable law, we will delete any personal information we have collected, unless we have a legal obligation to keep it, and terminate the child’s account, if applicable.
Supervisory Authority. If your personal information is subject to the applicable data protection laws of Australia, Brazil, Canada, the European Economic Area, Switzerland, the United Kingdom or Turkey, you have the right to lodge a complaint with the competent supervisory authority or attorney general if you believe our processing of your personal information violates applicable law.
The following table describes which entity (or entities) you are contracting with:
| Where you reside | Payment Method | Entity you are contracting | Entity contact information | Governing law and venue |
|---|---|---|---|---|
| Default — Anywhere unless expressly identified elsewhere in this table and/or listed in Restricted Jurisdictions | All | EU Internet Ventures B.V. | Nieuwezijds Voorburgwal 162, 1012 SJ Amsterdam, Netherlands [email protected] | Amsterdam, Netherlands |
| Card | Global Internet Ventures Pty Ltd | Nieuwezijds Voorburgwal 162, 1012 SJ Amsterdam, Netherlands [email protected] | Victoria, Australia | |
| European Economic Area (EEA) | All | EU Internet Ventures B.V. | Nieuwezijds Voorburgwal 162, 1012 SJ Amsterdam, Netherlands [email protected] | Amsterdam, Netherlands |
The OSL Pay entity (or entities) you are contracting with (each an “OSL Pay Party”) is the controller of the personal information processed under this Privacy Policy. However, the OSL Pay Party may also disclose your personal information to other OSL Pay affiliates and such affiliates may also act as a controller of your personal information. If you have any questions about our privacy practices or this Privacy Policy, or to exercise your rights as detailed in this Privacy Policy, please contact us using the information set forth above.
