Privacy Policy
PayFect – Flawless Digital Transaction
PayFect (“PayFect”, “we”, “our”, or “us”) is committed to protecting your privacy and ensuring the security of your information. This Privacy Policy explains how we collect, use, store, and safeguard information when you access or use the PayFect mobile application, website, and related services.
By using PayFect, you agree to the collection and use of information in accordance with this Privacy Policy.
1. Information We Collect
To provide secure and seamless digital transaction services, we may collect the following information:
a. Account Information
When you create an account, we may collect:
- Full name
- Email address
- Mobile number
- Business information (where applicable)
- Username and login credentials
b. Transaction Information
To facilitate payments and digital transactions, we may collect:
- Transaction amounts
- Payment references
- Transaction history
- Payment status information
- Recipient and sender details
c. Customer Information
Where services involve customer management, loyalty programmes, or merchant operations, we may collect customer-related information such as:
- Customer names
- Contact details
- Transaction records
- Loyalty or rewards information
d. Device and Technical Information
We may automatically collect:
- Device model and type
- Operating system version
- App version
- IP address
- Browser information
- Device identifiers
- Activity logs and performance data
e. Camera and Media Access
PayFect may request permission to access your device camera for:
- QR code scanning
- Payment verification
- Identity verification processes
- Uploading images or supporting documents
f. Location Information
With your consent, we may collect approximate location information to:
- Improve service availability
- Prevent fraudulent activity
- Enhance transaction security
g. Communication Data
We may collect information when you contact customer support, submit feedback, or communicate with us through email, chat, or other support channels.
2. How We Use Your Information
We use the collected information to:
- Process and manage digital transactions
- Verify user identity and account ownership
- Provide payment and wallet services
- Detect, prevent, and investigate fraud or suspicious activity
- Improve platform functionality and user experience
- Send transaction confirmations and service notifications
- Provide customer support
- Maintain security and compliance requirements
- Generate analytics and business insights
- Comply with applicable legal and regulatory obligations
3. Information Sharing
PayFect does not sell, rent, or trade your personal information.
We may share information only under the following circumstances:
Service Providers
With trusted third-party providers who assist us in:
- Payment processing
- Cloud hosting
- Analytics
- Customer support
- Security monitoring
These providers are contractually obligated to protect your information.
Legal Requirements
We may disclose information when required to:
- Comply with applicable laws and regulations
- Respond to lawful requests from authorities
- Protect our legal rights
- Prevent fraud or illegal activities
Business Transfers
In the event of a merger, acquisition, restructuring, or asset sale, information may be transferred as part of the business transaction.
4. Data Security
We implement industry-standard technical and organisational measures to protect your information, including:
- Secure server infrastructure
- Encrypted data transmission
- Access controls
- Authentication mechanisms
- Continuous security monitoring
While we take reasonable steps to protect your information, no online platform can guarantee absolute security. Users are encouraged to maintain strong passwords and keep account credentials confidential.
5. Data Retention
We retain information only for as long as necessary to:
- Provide our services
- Maintain transaction records
- Meet legal and regulatory obligations
- Resolve disputes
- Enforce our agreements
When information is no longer required, it will be securely deleted or anonymized.
6. Permissions Used
PayFect may request access to the following device permissions:
Camera
For QR code scanning, payment verification, and document uploads.
Storage or Media Access
To upload, download, and manage transaction-related files or images.
Notifications
To provide transaction alerts, payment confirmations, security notices, and service updates.
Internet Access
To enable secure communication with PayFect servers and process transactions in real time.
Location Access (Optional)
To enhance security, fraud prevention, and service availability.
Users may manage these permissions through their device settings.
7. Your Rights
Depending on applicable laws and regulations, you may have the right to:
- Access your personal information
- Update or correct inaccurate information
- Request the deletion of your data
- Restrict certain processing activities
- Withdraw consent where applicable
- Object to specific uses of your information
- Request a copy of your information
To exercise these rights, please contact us using the details provided below.
8. Third-Party Services
PayFect may integrate with third-party services, including:
- Payment gateways
- Banking partners
- Analytics providers
- Notification services
- Identity verification providers
These third parties operate under their own privacy policies, and we encourage users to review those policies where applicable.
9. International Data Transfers
Your information may be processed and stored in countries outside your jurisdiction where our service providers or infrastructure are located.
Where international transfers occur, we take appropriate measures to ensure that your information remains protected and handled in accordance with applicable privacy laws.
10. Children’s Privacy
PayFect services are not intended for individuals under the age of 18.
We do not knowingly collect personal information from children. If we become aware that such information has been collected, we will take appropriate steps to remove it promptly.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or security practices.
Updated versions will be published within the application and on our official website. Continued use of PayFect after changes become effective constitutes acceptance of the revised Privacy Policy.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your information, please contact us:
PayFect – Flawless Digital Transaction
Email: hello@perkss.co.uk
We will make reasonable efforts to respond promptly to all privacy-related enquirers.
