Paybiz1. Introduction
Paybiz ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.
2. Information We Collect
We collect information you provide directly to us, including:
- Account Information: Name, email address, phone number, and password when you register
- Profile Information: Business name, store slug, and description for merchant accounts
- Transaction Data: Records of purchases, sales, and wallet transactions
- Payment Information: Bank account details for withdrawals
- Communication Data: Messages and correspondence with our support team
We also automatically collect:
- Device information (browser type, operating system)
- IP address and location data
- Usage data (pages visited, features used)
- Cookies and similar tracking technologies
3. How We Use Your Information
We use the information we collect to:
- Provide, maintain, and improve our services
- Process transactions and send related information
- Send promotional communications (with your consent)
- Respond to your comments, questions, and requests
- Monitor and analyze trends, usage, and activities
- Detect, investigate, and prevent fraudulent transactions
- Comply with legal obligations
4. Information Sharing
We do not sell your personal information. We may share your information in the following circumstances:
- Service Providers: With third parties who perform services on our behalf (payment processors, hosting providers)
- Legal Requirements: When required by law or to protect our rights
- Business Transfers: In connection with a merger, acquisition, or sale of assets
- With Your Consent: When you have given us permission to share
5. Data Security
We implement appropriate technical and organizational measures to protect your personal information, including:
- Encryption of data in transit and at rest
- Regular security assessments
- Access controls and authentication measures
- Secure data centers and infrastructure
However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.
6. Data Retention
We retain your personal information for as long as necessary to provide our services and fulfill the purposes described in this policy. We may retain certain information for longer periods as required by law or for legitimate business purposes.
7. Your Rights
You have the right to:
- Access your personal information
- Correct inaccurate or incomplete information
- Request deletion of your information (subject to legal requirements)
- Opt-out of marketing communications
- Export your data in a portable format
8. Cookies
We use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can manage cookie preferences through your browser settings.
9. Third-Party Links
Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies.
10. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.
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 policy on this page and updating the "Last updated" date.
12. Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us at:
Email: privacy@paybiz.ng