Effective Date: 13 August 2026 · Last Updated: 13 August 2026
Welcome to FINTECHOISIS ("Payments Repository", "we", "us", or "our"). Payments Repository is an independent intelligence, research, knowledge and information platform covering the broad financial-services ecosystem, including but not limited to payments, banking, cross-border payments, remittances, fintech, financial infrastructure, digital financial services, payment networks, financial technology, regulatory developments, digital assets, and related financial-services markets.
Our website is intended to provide readers, researchers, professionals, institutions, students, analysts and other interested parties with access to research, analysis, datasets, publications, articles, market intelligence, charts, visualisations, references and other informational content.
This Privacy Policy explains how we collect, use, process, store, protect and disclose information when you access or use our website, subscribe to our publications, contact us, participate in research activities, or otherwise interact with our services.
By accessing or using the website, you acknowledge that you have read and understood this Privacy Policy.
This Privacy Policy applies to personal information collected through:
This Privacy Policy does not necessarily apply to websites, applications, products or services operated by third parties that may be linked from our website. Where you access a third-party website through a link provided on our website, that third party's own privacy policy will apply.
Payments Repository is primarily an information, research and intelligence platform. The content available through the website may include information obtained from publicly available sources, regulatory publications, central banks, financial institutions, industry bodies, academic publications, research organisations, market participants, licensed databases and other sources.
We seek to present information responsibly and accurately; however, information may change over time and may contain estimates, assumptions, historical information, projections or interpretations.
Payments Repository does not provide:
Readers should independently verify information before relying on it for financial, commercial, investment, regulatory, legal or other material decisions.
At the date shown at the top of this Policy, the published GPIR website is a static GitHub Pages site. The current implementation does not provide visitor accounts, authentication, password collection, payment collection, uploads, contact forms, newsletter subscriptions, comments or advertising.
The current site does not intentionally collect a visitor's name, email address, phone number, financial information, precise location or other personal information through a site feature. A visitor may choose to contact the repository owner through a separate external channel; information voluntarily sent through that channel is outside the site's static page implementation and should be limited to what is necessary.
The site stores only interface preferences in browser local storage: the selected language and, where used by the FX ticker, the selected display currency. These values remain in the visitor's browser and are not submitted to GPIR by the site.
The site does not currently deploy an analytics script, advertising tracker, cookie-consent platform, tracking pixel or server-side user profile. GitHub Pages, browsers and external services may still process ordinary connection and request metadata under their own terms; this Policy does not claim that such platform-level processing is absent.
Depending on how you interact with our website, we may collect different categories of information.
You may voluntarily provide information when you:
This information may include:
We encourage users not to submit sensitive personal information unless it is specifically required and requested by us.
GPIR does not add a site-level analytics or profiling layer to collect the categories below. GitHub Pages and other infrastructure may process ordinary request metadata as part of serving a public website, under their own policies. GPIR does not receive that information through a current site feature or use it to build visitor profiles.
The browser may expose local, non-transmitted signals to the site's performance-tier code so the page can select an appropriate rendering mode. These signals are read in memory for the current page load and are not sent to GPIR.
The current site does not intentionally collect through its own code:
Any platform-level logs or processing controlled by GitHub or an external service are not controlled by the GPIR static site and should be reviewed in the relevant provider's documentation.
The current GPIR website does not deploy a third-party analytics service. No analytics provider is configured in the repository's HTML or JavaScript, and no analytics account or event pipeline is part of the current site implementation.
If analytics is introduced in a later, separately authorized change, the provider, purpose, data categories and applicable consent controls must be documented in this Policy before it is treated as current practice.
Possible future analytics information could include:
That future possibility is not a description of current GPIR collection.
We may use information collected through the website for legitimate business and operational purposes, including:
Where permitted by applicable law, we may use your contact information to:
You may unsubscribe from marketing or newsletter communications at any time.
Where applicable data-protection laws require a legal basis for processing personal information, we may rely on one or more of the following:
From time to time, Payments Repository may invite users or industry participants to contribute:
Where information is submitted for research purposes, we may use it to develop aggregated research, analysis, statistics, reports, visualisations or other publications. Where reasonably possible, information used for public research will be aggregated, anonymised or otherwise presented so that individual contributors are not unnecessarily identified.
If a contribution is intended to be published with attribution, we will make this clear at the time of collection where appropriate.
The Payments Repository may research and reference information that is already publicly available. Such information may include information published by:
The inclusion of publicly available information in the Repository does not necessarily imply endorsement, partnership or affiliation with the original source or organisation.
Our website may contain links to external websites, reports, databases, research publications, regulatory authorities, financial institutions, payment companies, technology providers and other third parties. We do not control the privacy practices of these third parties. You should review the privacy policies and terms applicable to any third-party website that you access. Payments Repository is not responsible for the privacy, security, content or practices of third-party websites.
We may disclose personal information where reasonably necessary to:
Payments Repository may use technology, cloud infrastructure and service providers located in countries other than the country in which you reside. As a result, personal information may be transferred to or processed in jurisdictions outside your country. Where applicable law requires safeguards for international transfers, we will seek to implement appropriate safeguards, which may include contractual protections, recognised transfer mechanisms or other legally permitted measures.
We take reasonable technical and organisational measures designed to protect personal information against:
However, no internet transmission, website, database or electronic storage system can be guaranteed to be completely secure. Accordingly, while we take reasonable measures to protect information, we cannot guarantee absolute security.
We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including:
Retention periods may vary depending on the nature of the information and the purpose for which it was collected. When personal information is no longer required, we may securely delete, anonymise or otherwise dispose of it in accordance with applicable law.
Depending on your jurisdiction, you may have certain rights regarding your personal information. These may include the right to:
These rights are subject to applicable legal limitations and exceptions. To exercise a privacy right, please contact us using the details provided in Section 24 of this Privacy Policy.
Where you subscribe to a newsletter, publication or other communication from Payments Repository, we may use your contact information to provide those communications. You may unsubscribe at any time by:
Unsubscribing from marketing communications does not necessarily stop operational or transactional communications that are necessary for services you have requested.
Payments Repository is intended primarily for professionals, researchers, students and other individuals interested in financial-services and payments research. Our website is not knowingly directed toward children below the minimum age required under applicable law. We do not knowingly collect personal information from children where such collection is prohibited by applicable law. If you believe that a child has provided personal information to us improperly, please contact us so that we can take appropriate action.
Certain browsers and devices may provide privacy preferences or signals regarding tracking. Our handling of such signals will depend on applicable law, the technologies used on our website and the capabilities of our service providers. Where legally required, we will honour applicable privacy preference signals.
We may update this Privacy Policy periodically to reflect:
When we make material changes, we may update the "Last Updated" date and, where appropriate, provide additional notice. We encourage you to review this Privacy Policy periodically.
Payments Repository is intended to support research, education, market understanding and professional analysis. The information published on the website may include historical data, estimates, market intelligence, forecasts, opinions, analytical interpretations and information sourced from third parties. Nothing published by Payments Repository should be interpreted as:
Users remain responsible for independently assessing information before relying upon it.
If you have questions regarding this Privacy Policy, wish to exercise an applicable privacy right, or have concerns regarding the handling of your personal information, please contact:
For privacy-related enquiries, please use the subject line: "Privacy Request — Payments Repository"
We will consider and respond to privacy requests in accordance with applicable law.
This Privacy Policy shall be interpreted in accordance with the laws applicable to [Jurisdiction — to be confirmed], except where applicable data-protection legislation provides individuals with additional mandatory rights or protections. Where the website is accessed from another jurisdiction, applicable mandatory privacy rights may continue to apply.
By using the Payments Repository website, you acknowledge that you have had the opportunity to review this Privacy Policy and understand how information may be collected, used and processed as described above.
Payments Repository
Research. Intelligence. Understanding the Financial Services Ecosystem.
Last Updated: 13 August 2026
