Paymi Solutions Limited Licensed by the Central Bank of Nigeria

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PRIVACY POLICY

This privacy statement (“Policy”) is applicable to the website(s) and mobile application(s) (collectively, the “Sites”) created and managed by Paymi Solutions Ltd. (“PayZeep by Paymi Solutions”, “we”, “us”, or “our”). This Policy explains our data protection practices for our websites, products, and subscription-based services (collectively, “Services”), including the categories of personal data we collect, how we collect it, how we use it, and how we share it with third parties.

The websites, mobile applications, and other additional websites and mobile applications created and managed by Paymi Solutions Ltd are all included in the list of sites covered by this policy. The following are specifics about the current Sites:

https://payzeep.com/http://www.paymi.com.ng/

We appreciate your confidence in us and recognize how important your privacy is to you. As a result, we adhere to the highest standards to ensure secure transactions and the confidentiality of our customer information.

We are dedicated to protecting your personal data (any information you disclose to us that can be used to identify you) in compliance with the provisions of the Nigeria Data Protection Regulation 2019 (“NDPR”) and the Nigerian Data Protection Act 2023.

By visiting the Sites (including any new or updated websites or mobile applications), you agree to the terms and conditions of this Privacy Policy. Please do not use or access this website if you do not want your personal data to be used in accordance with this Policy.

We retain the right to change and update this Policy at any moment, at our sole discretion. As a result, we encourage you to consult the most recent version of this Policy whenever you visit the Sites.

ELIGIBILITY

Any registration by, use of, or access to the Sites and Services by any natural person under the age of eighteen (18) is prohibited, unlicensed, and in violation of this Policy. The Sites and Services are only intended for individuals who, if they are natural people, are eighteen (18) years of age or older.

CONSENT

By using the Sites and Services and providing your personal data, you agree to the collection and use of the information you provide to us in accordance with this Policy, including your consent to disclose your personal data in accordance with the conditions of this Policy. Any changes to our Policy will be announced on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we release it. If you do not agree to give consent to the processing of personal data as defined in this Policy, please do not use or access the Sites or Services.

LEGAL FOUNDATION FOR COLLECTING AND PROCESSING PERSONAL DATA

In line with the provisions of the NDPR, there must be a legal justification for processing personal data prior to such processing. We process your personal data in accordance with the regulations of the NDPR using the following legal basis:

  • Consent: if you have given your permission for us to process your personal data for one or more specific reasons. You provide such consent by continuing to use the Services and the Sites.
  • Contract performance: to carry out a contract we have with you or a contract to which you are a party, and to take the appropriate procedures at your request prior to entering into a contract.
  • Legal obligation: where personal data processing is required by law. We are required by law to keep some account opening information and personal data of our customers after they quit doing business with us.
  • Legitimate interest: to protect the vital interests of other data subjects and to carry out our business purposes. Furthermore, we have a legitimate interest in preventing fraud, money laundering, and verifying data subjects’ identities in order to protect our customers and business, to understand how people interact with our Sites, to provide communication that we believe will be of interest to you, and to determine the effectiveness of promotional campaigns and advertising.
  • Public interest: such processing is required for the fulfillment of a task performed in the public interest or in the exercise of an official public mandate vested in us.

INFORMATION THAT WE MIGHT GATHER FROM YOU

We gather and keep your personal information that you voluntarily supply to us when using the Sites or Services.

In this context, “personal data” or “information” refers to any information that identifies or can be used to identify a natural person, including: Names, identification numbers, location information, online identifiers, addresses, photos, email addresses, bank information, posts on social networking sites, and other distinctive identifiers, including but not limited to MAC addresses, IP addresses, IMEI numbers, and SIMs.

This also applies to sensitive personal data/information, which could include: • religious or other beliefs; • race, ethnicity; • political opinions; • trade union membership; • criminal history; or • any other sensitive personal information.

Your full legal names, marital status, title, birthdate, gender, business name, email address, mailing address, telephone number, bank account number, payment card details, bank verification number, national identification number, international passport number, means of identification, contact information for guarantors, bank statements, your preferences, interests, feed, and other personal data may be collected for the purpose of enabling access to our Services.

Our primary purpose in collecting the aforementioned personal information is to provide you with a secure, efficient, smooth, and customized experience. This enables us to provide Services and features that are likely to match your requirements, as well as to tailor the Sites to make your experience safer and easier.

How we get your Personal Information

Personal Information is collected when users register, use services, and participate in interactive features, complete online forms, take surveys, post messages, upload materials, and contact support.

We may use your information to contact you and remind you to complete incomplete information, or when you only partially complete or abandon information. We also gather information about your browsing habits and technical information about the devices you use to access the website through cookies, server logs, and other technologies.

We obtain technical data from third parties and public sources, contact, financial, and transaction data from companies that offer technical, payment, credit referencing, and delivery services, and we employ third-party service providers to protect data about financial crime, fraud, sanctions, and politically exposed individuals. The submitted personal information is not our property, and we will only keep it for as long as is necessary. We will not sell, share, transfer or rent out personal information to others, but may share generic information with business partners, affiliates and advertisers.

To provide us with someone else’s personal data, you must provide notification and consent.

INFORMATION OBTAINED FROM OTHER SOURCES

We may combine information from other sources with information collected through the Sites to provide better service.

 

   HOW WE USE YOUR INFORMATION

We may use information that we collect about you or that you provide to us, including any personal information:

  • To provide you with our payment solution and to process transactions
  • To provide customer support and to respond to your inquiries
  • To comply with legal and regulatory requirements
  • To improve our services and website and to develop new products and services
  • To personalize your experience and to offer content and features that are most relevant to you
  • To send you notifications about changes to our payment solution or website or about new products or services we offer
  • To conduct research and to analyze trends and usage patterns
  • To detect, prevent, and address fraud, security, or technical issues
  • To enforce our terms of service and to protect the rights, property, or safety of our company, our users, or others.

 

Fraud Prevention

We may process personal data to prevent fraud and money laundering, verify identity, and comply with laws. We may use a fraud prevention database and pass details to the Central Bank of Nigeria and the Economic and Financial Crimes Commission. Additionally, law enforcement agencies may access and use this information.

 

Data analytics and bench-marking

We may utilize information collected and saved during your use of our Services for legitimate purposes, such as providing the best service, solutions, and experience. Delivering advertising or information, doing research and development, developing and supplying new and current functionality and Services, and providing location-based Services are all examples of these activities. We will process your information on a pseudonymized and aggregated basis, with no reference to you or any live individual. If you object, we may be unable to provide you with certain Services and/or solutions.

Your Right as A Data Subject

The NDPR protects personal data by providing legal rights such as the right to be told how we use it, the right to have it rectified or erased, the right to object to processing, the right to have any information provided to us returned to you, the right to withdraw consent, the right to object to decisions based on automated processing, and the right to lodge a complaint with the supervisory authority responsible for data protection matters.

The most important details are that if you request for a copy of your personal data, you may be required to pay a fee. To exercise your rights, you should send a request in writing and specify the right you wish to exercise. You can also access the Data Subject Access Request (DSAR) portal on our website. We will process all requests within 30 days and if any further extension is required, we will communicate it through existing consented channels at no cost. Please contact our Data Protection Officer at [email protected] for further information or to exercise your data protection rights.

 

DATA RETENTION

We will retain your information for as long as your account is active or as needed to provide you with our payment solution and or services. If you wish to cancel your account or request that we no longer use your information to provide you with our payment solution and or services we shall retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. We ensure that personal data is securely deleted, anonymized or destroyed when it can no longer be retained. In some cases, we may decide to retain it in line with the provisions of the NDPR, but we will anonymize it before retaining it.

 

ACCURACY OF YOUR DATA

PayZeep requires that personal data held about customers is accurate and current. To update personal data, customers can do so themselves or contact the Data Protection Officer via [email protected].

 

SECURITY OF YOUR DATA

PayZeep has implemented security steps to safeguard customer data, including keeping it on a dedicated server with 256-bit encryption, limiting access to only a select group of staff, and putting in place protocols to handle any suspected data breach. PayZeep will take precautions to prevent any loss or destruction of data in the unlikely case of a data breach, and it will also notify you and any relevant authorities.

 

DATA TRANSFERS AND SHARING

As a result of the regulatory framework in which PayZeep operates, they can be required to provide information to the government, regulatory organizations, law enforcement authorities, and other parties. Additionally, they might give trustworthy third parties aggregate statistics on their clients, sales, traffic trends, and associated website data. PayZeep may disclose personal information to organizations that offer identity or financial validation services, companies that provide financial products, payment services, banks, analytics services, organizations that provide data, service, and software, organizations that gather and publish customer reviews, organizations that provide marketing services, as well as regulatory and law enforcement agencies.

 

CONFIDENTIALITY

Without prior written agreement, no information on the Sites may be released that is considered confidential. Your email address won’t be used for unsolicited material, and we won’t sell, share, or rent your personal information to anyone else. We take all necessary steps to protect your personal information both online and offline. It is important to protect against unauthorized access to passwords, mobile phones, and computers when using shared devices. Only authorized employees, agents, partners, and third parties with whom we are collaborating have access to your personal data in order to deliver the Services to you.

 

COOKIES

We use data collection devices such as cookies on certain pages of the Sites. Cookies are small files stored on your hard drive that assist us in providing Services customized to your requirements and tastes. We also offer certain features that are only available through the use of a ‘cookie’. Cookies may be used whether you choose to register with us or not, and can allow you to enter your password less frequently during a session. Cookies cannot read data off your hard disk or read cookie files created by other sites.

If you reject the cookies on the Sites, you may still be able to use the Sites, but it shall be limited to certain minimal functionality. The only drawback to this is that you may be limited to some areas of the Sites or limited to certain functions of the Sites.

 

DISCLAIMER

We shall protect your personal information by putting in place the necessary organizational and technical safeguards. Your personal information sent to third websites cannot be guaranteed to be secure by us. If we’ve given you a password to access a particular section of the Sites, be sure to keep it private and don’t tell anybody else. You as a user of the Services undertake all liability and risk associated with maintaining the security of your account with us.

UPDATE TO PRIVACY POLICY

We may need to update our Privacy Policy from time to time, and will notify you of any changes by placing a notice on our websites and/or sending an email. We reserve the right to update this Policy without any intimation to you and your continued use of the Sites will signify your acceptance of any amendment to these terms. If you believe we have not handled your personal data in accordance with this Policy, please contact our Data Protection Officer. We have appointed a Data Protection Officer (DPO) who is responsible for dealing with all such concerns and overseeing questions relating to this Policy and handling requests in relation to the exercise of your rights.

 

CONTACT

Data Protection Officer

Paymi Solutions Ltd

No. 13 Town Planning Way, Illupeju,

Lagos State.

[email protected].

Please let us know how we can help if you have any inquiries, suggestions, or requests regarding your privacy or legal rights.