Privacy Policy

This privacy policy describes your rights regarding our collection, use, storage, sharing and protection of your personal information, which you provide when you visit or sign up on our website, mobile apps, and premises (“platform”). When you complete any form, speak with our staff or submit any details to us, we will collect, use and process your personal information in the manner described in this Privacy Policy. We respect the privacy of our online guests and registered users (“Users”) as such we will take reasonable steps to protect your Personal Information.

Overview

PayAfrik World Connect Ltd hereinafter (‘we’, ‘us’ or ‘our’) is a utility payment solutions company focused on providing digital alternatives, automated financial services and enhanced enterprise business applications. These services are provided across various channels including websites, mobile application or any other digital platforms. This Privacy Policy provides all persons and organizations whose Personal Information we hold with a description of the type of Personal Information we collect, the purposes for which we collect that Personal Information, the other parties with whom we may share it and the measures we take to ensure the security of data when they use our platform or subscribe to our services.

Consent

You accept this Privacy Policy when you give consent upon accessing our platform or using our services, content, features, technologies or functions offered on our website, mobile application (APPS), digital platforms or visiting any of our offices. This Policy governs the use of our services by our users and other stakeholders unless otherwise agreed through a written contract. We may amend this Privacy Policy at any time by posting a revised version on our website or at conspicuous points at our offices. The revised version will be effective 7 days after publication.

Information We Collect

• Personal data such as name, age, gender, email address, images, telephone number, address, relationship affiliations, bank account details (limited to name, account name, account number), BVN, and NIN.
• Automatically collected data such as IP address, device ID, geo-location, browser info, web log data, and site usage.
• With your consent, access to phone contacts to facilitate transactions, only stored if explicitly permitted.

How We Get Your Information

• When you sign up, use our services, visit our platforms or offices.
• Fill out forms, contact us, or respond to communication.
• Apply for jobs.

We do not collect data from minors (under 18 years).

Lawful Basis

• Your consent.
• Contractual obligations.
• Legal obligations under NDPA, AML/CFT laws.
• Legitimate business interests.

Information We Collect from Third Parties

We may receive information about you from card companies, banks, payment gateways, and social media sites. This is done only with your authorization.

Cookies

We use cookies to identify users and improve service. You can choose to disable cookies, though it may affect functionality.

How We Use Your Information

• Operate and manage your account.
• Process transactions and notify you.
• Identity verification and security enhancement.
• Customer service, communication, and compliance monitoring.
• Detect fraud and improve service quality.

How We Store and Protect Your Information

We use technical, physical, and administrative security such as encryption, firewalls, and access controls. Data is only transferred to countries with adequate data protection laws or with your consent.

How We Share Your Information

• We do not sell your information.
• Shared only with necessary service providers and under confidentiality agreements.
• Shared with law enforcement on valid court order.
• May be disclosed to investors or in business acquisitions.
• Shared with third-party platforms only with your permission.

Your Responsibility

• Ensure correct transaction details are entered.
• Bear mobile data costs.
• Keep your app and plugins updated.

Your Rights

• Right to be informed and access your data.
• Right to correct inaccurate data.
• Right to object or limit processing.
• Right to data portability.
• Right to be forgotten.
• Right to object to automated decisions.
• Right to withdraw consent.
• Right to complain to the Nigerian Data Protection Commission.

Data Security and Retention

• Firewall protection, encryption, secure storage, and policy enforcement.
• We retain data as required to deliver services or fulfill legal obligations.
• Card details and sensitive credentials are never stored post-transaction.

Data Breaches

We will notify you of any data breach that poses high risk to your privacy and rights, and take swift corrective actions to minimize the damage.

Updates, Modifications & Amendments

We may update this Privacy Policy as technology and legal obligations evolve. Users will be notified of material changes. Continued use means acceptance of updates.

Applicable Laws

This policy is governed by the laws of the Federal Republic of Nigeria including the Nigerian Data Protection Act 2023.

Contact Us

For questions or privacy concerns, contact us via email at [email protected] or call 09091000010.