ChessNam

1. Introduction

Welcome to ChessNam. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, and share information about you when you use our services.

2. Information We Collect

We collect information you provide directly to us, such as:

Account information (name, email, password)
Profile information (chess rating, tournament history)
Tournament registration information and payment transaction data
Communications with us
Tournament participation data and results
Device and usage information when you use our platform

2.1 Payment Processing Information

ChessNam processes tournament payments directly through PayMongo, a licensed payment service provider. We collect and process payment information including transaction amounts, PayMongo reference numbers, payment timestamps, and customer billing information. We do not store sensitive payment credentials like GCash PINs or card numbers - these are handled securely by PayMongo.

2.2 Financial Transaction Data

Payment amounts and fee calculations
Transaction reference numbers from PayMongo
Payment timestamps and status information
Billing name, email, and phone number for payment processing
Tournament registration and player category selections
Refund request history and processing status

3. How We Use Your Information

We use the information we collect to:

Provide, maintain, and improve our services
Process tournament payments and registrations through PayMongo
Calculate and collect platform fees and payment processing fees
Send you updates about tournaments and chess events
Respond to your comments and questions
Process refund requests for eligible exceptions
Protect against fraud, abuse, and duplicate payments
Comply with financial regulations and payment processing requirements

4. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

With tournament organizers for events you register for
With PayMongo (our payment processor) for transaction processing
With your consent
To comply with legal obligations
To protect our rights and safety
With financial institutions if required for compliance purposes
With regulatory authorities when legally required

4.1 PayMongo Data Sharing

When processing payments, we share necessary information with PayMongo including:

Payment amounts and transaction details
Customer billing information (name, email, phone)
Tournament and registration identifiers
Information required for fraud prevention and compliance

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

5.1 Payment Data Security

PCI DSS Compliance: Payment processing meets industry security standards
SSL/TLS Encryption: All payment data encrypted during transmission
Tokenization: Sensitive payment data replaced with secure tokens
No Storage of Credentials: We never store GCash PINs or payment credentials
Secure APIs: PayMongo integration uses authenticated, encrypted connections

5.2 Platform Security

HTTPS/HSTS implementation across all platform interactions
Regular security assessments and vulnerability scans
Secure API key management and rotation
Incident response procedures for security breaches

6. Your Rights

You have the right to:

Access your personal information
Correct inaccurate information
Request deletion of your information
Object to processing of your information
Data portability
Request information about data processing
Withdraw consent where processing is based on consent
Request transaction history and payment records

6.1 Financial Data Limitations

Important: Financial transaction data cannot be deleted due to:

Legal requirements for financial record keeping (7+ years)
Tax reporting and audit obligations
Anti-money laundering (AML) compliance requirements
Payment processor (PayMongo) data retention policies
Fraud prevention and dispute resolution needs

7. Contact Us

If you have any questions about this Privacy Policy, please contact us through our Facebook page.

8. Data Retention

8.1 General Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations.

8.2 Financial Data Retention

Transaction Records: Retained for 7 years for tax and audit purposes
Payment Processing Data: Kept as long as required by financial regulations
Refund Request History: Maintained for dispute resolution purposes
Fee Calculations: Preserved for financial reconciliation and reporting
Compliance records: Retained as required by BSP and other regulations

9. International Data Transfers

9.1 Data Transfers

Your information may be transferred to and processed in countries other than your own, including through our payment processor PayMongo and their international banking partners.

9.2 Regulatory Compliance

Philippine Data Privacy Act: Full compliance with local privacy laws
BSP Regulations: Adherence to central bank payment processing rules
Anti-Money Laundering: Transaction monitoring and reporting as required
Tax Reporting: Financial records maintained for tax authority compliance
PayMongo Compliance: Alignment with payment processor regulatory requirements

10. Children's Privacy and Payment Processing

Our service is not intended for children under 13. We do not knowingly collect personal information from children under 13. For payment processing:

Players under 18 require parent/guardian consent for tournament registration
Payment authorization must come from a parent/guardian for minors
GCash accounts used for payment must belong to adults (18+)
Tournament organizers may have additional age verification requirements

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

Last Updated: 10/5/2025