At PAYCONFIDENCE LTD we respect the privacy of our users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit or download our mobile application called Payconfidence (Payc), herein after referred to as the Application. Please read this Privacy Policy carefully. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS THE APPLICATION.

We may need to update, modify or amend our Privacy Policy as our technology evolves and as required by law. If we materially change the ways in which we use or share personal data previously collected from you through our Services, we will provide notice or obtain consent regarding such changes as may be required by law.

This Privacy Policy does not apply to the third-party online/mobile store from which you install the Application, including any in-game virtual items, which may also collect and use data about you. We are not responsible for any of the data collected by any such third party.

This Privacy and Cookie Policy (Privacy Policy) describes how we collect, use, store, share, and protect personal data from Website Visitors, Customers, and/or Vendors (Data Subjects) who engage with our services. It applies to our website and all related sites, applications, services and tools (collectively, our Services).

Our Services are primarily intended for and provided to businesses and other organisations including individual consumers (Users). Thus, we generally process personal data at the direction of and on behalf of Users. When we do, we do so as a service provider or a Data Processor to those Users, but we do not control and are not responsible for the privacy practices of those Users. If you are a Customer of a Payconfidence User, you should read that Users Privacy Policy and direct any privacy inquiries to that Merchant.

This Privacy Policy does not apply to services that are not owned or controlled by Payconfidence, including third-party websites and the services of Payconfidence Users. This Privacy Policy applies to all forms of systems, operations and processes within the Payconfidence environment that involve the processing of personal data.

By using or accessing our Services, you agree to the collection, use, and disclosure of your personal data as described in this Privacy Policy. Your use of our Services is also subject to Payconfidence Terms.

COLLECTION OF YOUR INFORMATION

We may collect information about you in a variety of ways. The information we may collect via the Application depends on the content and materials you use, and includes:

1. The Information we Collect

   The personal data we collect depends on how you interact with us, the services you use, and the choices you make. We may collect information from different sources and in various ways, including information you provide directly, information collected automatically, third-party data sources, and data we infer or generate from other data.

   1. Personal Data You Provide Directly

   We collect personal data you provide to us. For example:

   • Contact information: As part of our operations, Payconfidence may collect information such as your name, telephone numbers, address etc.
   • Payment information: If you make a purchase such as when you checkout with Payconfidence on a Merchant’s website or make a payment using our service, we collect payment card numbers, financial account information, and other payment details and pass to our payment partner Squad by GTCO. We do not store such payment information in our database.
   • Communications: If you contact us directly, for example, with an inquiry or a support request, we may receive additional personal data about you, including your email address and the content of your communications.

When you are asked to provide personal data, you may decline. And you may use web browser or operating system controls to prevent certain types of automatic data collection. But if you choose not to provide or allow information that is necessary for certain services or features, those services or features may not be available or fully functional.

Mobile Device Access

We may request access or permission to certain features from your mobile device, including your mobile device’s storage. If you wish to change our access or permissions, you may do so in your device’s settings.

Push Notifications

We may request to send you push notifications regarding your account or the Application. If you wish to opt-out from receiving these types of communications, you may turn them off in your device’s settings.

Data From Contests, Giveaways, and Surveys

2. How We Use Personal Information

1. Provide you with the required services
2. Respond to your questions or requests
3. Improve features, website content and analyse data to develop products and services
4. Address inappropriate use of our website
5. Prevent, detect and manage risk against fraud and illegal activities using internal and third party screening tools
6. Send you marketing content, newsletters and service updates curated by Payconfidence (only with your explicit consent)
7. Verify your identity and the information you provide in line with Payconfidence’s statutory obligations using internal and third party tools
8. Maintain up-to-date records
9. Resolve disputes that may arise, including investigations by law enforcement or regulatory bodies
10. Any other purpose that we disclose to you in the course of providing Payconfidence services to you

3. How We Share Personal Data

1. Users: We may share your contact information with Users as part of your purchase details for record purposes. We will not share this information with other third parties except as a necessary part of providing our website and services. We do not share your card information with Users. Please review your merchant’s privacy policy to understand the privacy policies guiding the merchant you transact with.
2. Service providers: We share personal data with vendors or agents working on our behalf for the purposes described in this statement. For example, companies we've hired to provide customer service support, to assist in protecting and securing our systems and services, or to perform sanctions screening and identity verification services may need access to personal data to provide those functions. The processing by such third parties shall be governed by a written contract with Payconfidence to ensure adequate protection and security measures are put in place for the protection of personal data in accordance with the terms of this Privacy Policy.
3. Financial services & payment processing: When you provide payment data, for example to make a purchase, we will share payment and transactional data with banks and other entities as necessary for payment processing, fraud prevention, credit risk reduction, or other related financial services.
4. Legal and law enforcement. We may access, disclose, and preserve personal data in accordance with applicable law and when we believe that doing so is necessary to comply with applicable law or respond to valid legal process, including from law enforcement or other government agencies.

   Please note that buyers, sellers, and other users you contract with have their own respective privacy policies, and although Payconfidence’s Terms of Use does not allow the other transacting party to use your information for anything other than as authorised by you, Payconfidence is not responsible for their actions, including their data protection practices. If you provide personal data to any of those third parties, or allow us to share personal data with them, that data is governed by their privacy policies.

   4.Cookies

   We and our partners use cookies and similar technologies on our website to help collect information and operate the site. We use cookies to remember Users and make your user experience easier; customise our services, content and advertising; help you ensure that your account security is not compromised, mitigate risk and prevent fraud; and to promote trust and safety on our website. Most web browsers are set to accept cookies by default. If you prefer, you can go to your browser settings to learn how to delete or reject cookies. If you choose to delete or reject cookies, this may impact your experience using our website.

   5. How We Protect your Information

   Payconfidence shall establish adequate controls in order to protect the integrity and confidentiality of personal data, both in digital and physical format and to prevent personal data from being accidentally or deliberately compromised.

   Payconfidence is committed to managing your personal data in line with best practices. We protect your personal data using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorised access, disclosure and alteration, we also use industry recommended security protocols to safeguard your personal data. Other security safeguards include but are not limited to data encryption, firewalls, and physical access controls to our building and files, and only granting access to personal data to employees who require it to fulfil their job responsibilities. Employees may have access to personal data only as is appropriate for the type and scope of the task in question and are contractually forbidden to use personal data for their own private or commercial purposes or to disclose them to unauthorised persons, or to make them available in any other way.

   6. Storage Limitation

   We will retain your information for the following periods:
   • As long as reasonably necessary for the purpose of providing our services to you
   • For the duration your account is active and we have your consent
   • For the period needed to comply with our legal and statutory obligations
   • As needed to verify your information with a financial institution

   Payconfidence is statutorily obliged to retain the data you provide in order to process transactions, ensure settlements, make refunds, identify fraud and to comply with applicable laws and regulatory guidelines.

   7. Use Of Your Information

   Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Application to:

   1. Create and manage your account
   2. Compile anonymous statistical data and analysis for use internally.
   3. Email you regarding your account or order.
   4. Enable user-to-user communications.
   5. Increase the efficiency and operation of the Application.
   6. Request feedback and contact you about your use of the Application.
   7. Resolve disputes and troubleshoot problems.
   8. Send you a newsletter.
   9. Assist law enforcement and respond to subpoena.
   10. Deliver targeted advertising, coupons, newsletters, and other information regarding promotions and the Application to you.
   11. Fulfill and manage purchases, orders, payments, and other transactions related to the Application.
   12. Generate a personal profile about you to make future visits to the Application more personalized.
   13. Monitor and analyze usage and trends to improve your experience with the Application.
   14. Notify you of updates to the Application
   15. Offer new products, services, mobile applications, and/or recommendations to you.
   16. Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
   17. Process payments and refunds.
   18. Respond to product and customer service requests.

   8. DISCLOSURE OF YOUR INFORMATION

   We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

   By Law or to Protect Rights

   If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation. This includes exchanging information with other entities for fraud protection and credit risk reduction.

   Third-Party Service Providers

   We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.

   Marketing Communications

   With your consent, or with an opportunity for you to withdraw consent, we may share your information with third parties for marketing purposes, as permitted by law.

   Affiliates
   We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy.
   Business Partners

   We may share your information with our business partners to offer you certain products, services or promotions.

   Sale or Bankruptcy

   If we reorganize or sell all or a portion of our assets, undergo a merger, or are acquired by another entity, we may transfer your information to the successor entity. If we go out of business or enter bankruptcy, your information would be an asset transferred or acquired by a third party. You acknowledge that such transfers may occur, and that the transferee may decline honor commitments we made in this Privacy Policy.

   We are not responsible for the actions of third parties with whom you share personal or sensitive data, and we have no authority to manage or control third-party solicitations. If you no longer wish to receive correspondence, emails or other communications from third parties, you are responsible for contacting the third party directly.

   9. TRACKING TECHNOLOGIES

   Cookies and Web Beacons :

   We may use cookies, web beacons, tracking pixels, and other tracking technologies on the Application to help customize the Application and improve your experience. When you access the Application, your personal information is not collected through the use of tracking technology. Most browsers are set to accept cookies by default. You can remove or reject cookies, but be aware that such action could affect the availability and functionality of the Application. You may not decline web beacons. However, they can be rendered ineffective by declining all cookies or by modifying your web browser’s settings to notify you each time a cookie is tendered, permitting you to accept or decline cookies on an individual basis.

   Website Analytics

   We may also partner with selected third-party vendors[, such as [Adobe Analytics,] [Clicktale,] [Clicky,] [Cloudfare,] [Crazy Egg,] [Flurry Analytics,] [Google Analytics,] [Heap Analytics,] [Inspectlet,] [Kissmetrics,] [Mixpanel,] [Piwik,] and others], to allow tracking technologies and remarketing services on the Application through the use of first party cookies and third-party cookies, to, among other things, analyze and track users’ use of the Application, determine the popularity of certain content, and better understand online activity. By accessing the Application, you consent to the collection and use of your information by these third-party vendors. You are encouraged to review their privacy policy and contact them directly for responses to your questions. We do not transfer personal information to these third-party vendors. However, if you do not want any information to be collected and used by tracking technologies, you can install and/or update your settings for one of the following:

   [Adobe Privacy Choices Page]

   [Clicktale Opt-Out Feature]

   [Crazy Egg Opt-Out Feature]

   Digital Advertising Alliance Opt-Out Tool

   [Flurry Analytics Yahoo Opt-Out Manager]

   [Google Analytics Opt-Out Plugin]

   [Google Ads Settings Page]

   [Inspectlet Opt-Out Cookie]

   [Kissmetrics Opt-Out Feature]

   [Mixpanel Opt-Out Cookie]

   Network Advertising Initiative Opt-Out Tool

   You should be aware that getting a new computer, installing a new browser, upgrading an existing browser, or erasing or otherwise altering your browser’s cookies files may also clear certain opt-out cookies, plug-ins, or settings.

   10. Security Of Your Information

   We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. Any information disclosed online is vulnerable to interception and misuse by unauthorized parties. Therefore, we cannot guarantee complete security if you provide personal information.

   11. Policy For Children

   We do not knowingly solicit information from or market to children under the age of 13. If you become aware of any data we have collected from children under age 13, please contact us using the contact information provided below.

   12. OPTIONS REGARDING YOUR INFORMATION

   You may at any time review or change the information in your account or terminate your account by:

   • Logging into your account settings and updating your account
   • Contacting us using the contact information provided below
   • [Other] Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use and/or comply with legal requirements.

   13. Emails and Communications

   If you no longer wish to receive correspondence, emails, or other communications from us, you may opt-out by:

   • Noting your preferences at the time you register your account with the Application
   • Logging into your account settings and updating your preferences.
   • Contacting us using the contact information provided below

   If you no longer wish to receive correspondence, emails, or other communications from third parties, you are responsible for contacting the third party directly.

   14. CONTACT US

   If you have questions or comments about this Privacy Policy, please contact us at:

   PAYCONFIDENCE LTD

   131, Obafemi Awolowo Way

   Alausa Ikeja, Lagos

   Nigeria

   +234 803 302 3191

   [email protected]