Your privacy is important to us. This policy explains how we collect, use, and protect your personal information.
Payyng ("we," "our," or "us") is 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 payment processing and financial services platform. By using our services, you consent to the practices described in this policy.
When you create a Payyng account, we collect personal information including your name, email address, phone number, date of birth, and government-issued identification details.
We collect bank account details, transaction history, and payment information necessary to provide our financial services.
We automatically collect device information including IP address, browser type, operating system, and mobile device identifiers.
We collect information about how you interact with our platform, including pages visited, features used, and time spent on our services.
We use your information to provide, maintain, and improve our payment processing, money transfer, and bill payment services.
Your information helps us verify your identity, prevent fraud, and protect against unauthorized access to your account.
We use your information to comply with legal obligations, including anti-money laundering (AML) and know your customer (KYC) requirements.
We use your information to respond to your inquiries, resolve issues, and provide customer support services.
We share information with trusted third-party service providers who help us operate our platform, including payment processors and security providers.
We may disclose your information when required by law, regulation, legal process, or governmental request.
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
We may share your information with your explicit consent for specific purposes not covered in this policy.
All sensitive data is encrypted in transit and at rest using industry-standard encryption protocols including TLS 1.3 and AES-256.
We implement strict access controls ensuring only authorized personnel can access your personal information on a need-to-know basis.
Our security practices undergo regular internal and external audits to ensure compliance with industry standards and regulations.
We have comprehensive incident response procedures to quickly address any potential security breaches or data incidents.
You have the following rights regarding your personal information:
Access your personal information we hold about you
Request correction of inaccurate or incomplete information
Request deletion of your personal information (subject to legal requirements)
Object to processing of your personal information
Request restriction of processing in certain circumstances
Data portability - receive a copy of your data in a structured format
We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Specific retention periods include:
As part of our global operations, your personal information may be transferred to and processed in countries other than Nigeria. We ensure that all international transfers comply with applicable data protection laws and implement appropriate safeguards, including standard contractual clauses and adequacy decisions where applicable.
If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us: