Privacy Policy

At Techpay Limited, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our card-to-wallet transfer services. Please read this Privacy Policy carefully to understand our practices regarding your personal data.

1. Information We Collect

We collect several types of information from and about users of our services, including:

• Personal Information: This includes your name, email address, phone number, physical address, date of birth, national identification details, and other information required for KYC (Know Your Customer) compliance.
• Financial Information: We collect payment card information (such as card numbers, expiration dates, and CVV codes), mobile wallet details, and transaction history.
• Device Information: We collect information about the device you use to access our services, including IP address, browser type, operating system, and mobile device identifiers.
• Usage Information: We collect information about how you interact with our services, including pages visited, time spent on pages, and actions taken.

2. How We Collect Information

We collect information through various methods:

• Direct Collection: Information you provide when you register for an account, complete a transaction, or contact our customer support.
• Automated Collection: Information collected automatically through cookies, web beacons, and other tracking technologies when you use our services.
• Third-Party Sources: Information we receive from third-party service providers, such as identity verification services, payment processors, and mobile money operators.

3. How We Use Your Information

We use the information we collect for various purposes, including:

• Processing and completing card-to-wallet transfers and other transactions
• Verifying your identity and preventing fraud
• Complying with legal and regulatory requirements
• Providing customer support and responding to inquiries
• Improving and personalizing our services
• Sending transaction confirmations, receipts, and service-related notifications
• Marketing our services to you (subject to your consent where required)
• Analyzing usage patterns and trends to enhance user experience

4. Disclosure of Your Information

We may disclose your personal information to the following parties:

• Service Providers: Third-party vendors who provide services on our behalf, such as payment processors, identity verification services, and customer support providers.
• Mobile Money Operators: To complete wallet transfers, we share necessary transaction details with the relevant mobile money operators.
• Financial Institutions: Banks and card networks involved in processing your transactions.
• Regulatory Authorities: Government agencies, law enforcement, and regulatory bodies as required by law or to comply with legal processes.
• Business Partners: Trusted third parties with whom we have business relationships to provide complementary services.

We do not sell your personal information to third parties for their marketing purposes.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure socket layer (SSL) technology for all transactions
• PCI-DSS compliance for handling payment card information
• Regular security assessments and penetration testing
• Access controls and authentication mechanisms
• Employee training on data protection and security practices

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

• The length of time we have an ongoing relationship with you
• Legal obligations to retain data for certain periods
• Statute of limitations under applicable law
• Recommendations from regulatory authorities

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access and receive a copy of your personal information
• The right to correct inaccurate or incomplete information
• The right to request deletion of your personal information
• The right to restrict or object to processing of your personal information
• The right to data portability
• The right to withdraw consent (where processing is based on consent)

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities and to remember your preferences. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our services.

9. International Data Transfers

Your personal information may be transferred to and processed in countries other than the one in which you reside. These countries may have data protection laws that are different from those in your country. We take appropriate safeguards to require that your personal information remains protected in accordance with this Privacy Policy.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child, we will take steps to delete that information as quickly as possible.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Telephone & WhatsApp: +260764188643

Email: privacy@techpay.co.zm

Address: Plot No. 123, Great East Road, Lusaka, Zambia