Privacy Policy

Last Updated: 30 September, 2023

At PAYTRYBE, we are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, share, and protect your personal data when you use our cross-border remittance services through our mobile application. By using our services, you consent to the practices described in this policy.

1. Information We Collect

1.1 Personal Information
When you create an account with PAYTRYBE, we may collect information such as your name, contact details, date of birth, and government-issued identification for Know Your Customer (KYC) purposes.

1.2 Financial Information
To facilitate remittance transactions, we may collect your bank account details, credit/debit card information, and transaction history.

1.3 Device Information
We collect information about the device you use to access our app, including device type, operating system, and unique device identifiers.

1.4 Location Information
With your permission, we may collect your location data to improve the accuracy of our services.

2. How We Use Your Information

We use your personal information for the following purposes:

To provide remittance and financial services.
To verify your identity for regulatory compliance.
To process transactions and track transaction history.
To improve our app's functionality and user experience.
To communicate with you regarding your account, transactions, and important updates.
To prevent fraud, illegal activities, and ensure the security of our services.

3. Information Sharing

We may share your personal information with:

Financial institutions and payment processors to facilitate transactions.
Regulatory authorities to comply with legal obligations.
Service providers who assist us in delivering our services.
Business partners for marketing and promotional purposes (with your consent).

4. Data Security

We take data security seriously and implement industry-standard measures to protect your information. This includes encryption, secure access controls, and regular security audits.

5. Your Rights and Choices

You have the right to:

Access, correct, or delete your personal information.
Withdraw consent for marketing communications.
Request data portability of your information.
Object to the processing of your data under certain circumstances.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your app experience and collect analytics data. You can manage your cookie preferences in the app settings.

7. Use of Third-Party Services

7.1 Paga
Purpose: Paga is a payment processing service that assists in facilitating financial transactions.
Information Shared: When you make transactions through our app, we may share your financial information with Paga for payment processing.
Privacy Policy: Please review Paga's privacy policy at Paga Privacy Policy for more information on how they handle your data.

7.2 Apaylo
Purpose: Apaylo provides secure authentication services to verify your identity.
Information Shared: Information Shared: For Know Your Customer (KYC) and security purposes, we may share your personal information with Apaylo.
Privacy Policy: Refer to Apaylo's privacy policy at Apaylo Privacy Policy to understand their data handling practices.

7.3 Veriff
Purpose: Veriff offers identity verification services to ensure compliance with regulatory requirements.
Information Shared: We may share your personal information with Veriff for identity verification purposes.
Privacy Policy: You can find detailed information about how Veriff handles your data in Veriff Privacy Notice

8. Data Transfer

Your personal information may be transferred to servers located in different countries, including Canada and Nigeria, for processing. By using our services, you consent to the transfer of your data across borders as described in this Privacy Policy.

9. Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or for legal reasons. We will notify you of significant changes through the app or other means.

10. Inquiries

PAYTRYBE is responsible for ensuring that our day-to-day procedures are aligned with this Privacy Policy. Should you have any questions about this privacy statement, PAYTRYBE's information services or your transactions on PAYTRYBE, you can contact us via our customer helplines or by email to support@paytrybe.com.