Privacy Policy

Introduction Welcome to PayLoad! We value your trust and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you use our platform, including our website, mobile application, and related services. By accessing or using PayLoad, you agree to the terms outlined in this Privacy Policy.
Information We Collect We collect the following types of information:
 

1. Personal Information: Includes your name, email address, phone number, date of birth, and address provided during account registration or profile updates.
2. Financial Information: Includes payment details and transaction logs when adding funds, purchasing gift cards, or performing mobile top-ups.
3. Identity Verification Information: Includes KYC documents and phone/email verification data to confirm your identity and enhance security.
4. Device and Usage Information: Includes device type, IP address, browser type, and activity logs to analyze user behavior and improve our services.

How We Use Your Information We use the collected information for the following purposes:
 

1. To Provide Services: Enable mobile top-ups, gift card purchases, wallet management, and other features.
2. Account Management: Facilitate profile updates, password changes, and 2FA security settings.
3. Transaction Tracking: Maintain logs for mobile recharges, gift card purchases, and wallet deposits for transparency and record-keeping.
4. Customer Support: Address user queries and issues via our support systems.
5. Compliance and Security: Conduct KYC verification, ensure regulatory compliance, and safeguard accounts against unauthorized access.
6. Improving User Experience: Analyze analytics dashboards and user behavior to enhance platform functionality and performance.
7. Communication: Send transaction notifications, promotional emails, and important updates about the platform.

How We Share Your Information We do not sell or rent your personal data. However, we may share your information with:
 

1. Service Providers: Third-party vendors who assist with payment processing, gift card API integrations, and SMS/email communications.
2. Regulatory Authorities: Government or regulatory agencies as required by law for compliance purposes.
3. Internal Teams: For admin operations such as user care, admin care, and profit management.
4. Third-Party Integrations: APIs for mobile top-ups, gift cards, and payment gateways when necessary to fulfill transactions.

Data Retention We retain your data only as long as it is necessary to fulfill the purposes outlined in this policy or comply with legal obligations. Transaction logs and financial records may be kept for auditing and compliance purposes.
Security Measures We implement robust security measures to protect your data, including:
 

1. Encryption: Encrypt sensitive information during transmission and storage.
2. 2FA Security: Enable two-factor authentication for user and admin accounts.
3. Access Controls: Restrict access to sensitive data to authorized personnel only.
4. Regular Audits: Conduct routine checks and updates to ensure platform security.

User Rights As a PayLoad user, you have the following rights:
 

1. Access Your Data: Request a copy of the personal data we hold about you.
2. Update Your Data: Correct or update your personal information via the profile update feature.
3. Delete Your Data: Request deletion of your account and associated data, subject to regulatory compliance.
4. Data Portability: Obtain your data in a structured, machine-readable format.
5. Opt-Out: Unsubscribe from promotional emails and communications.

Cookie Policy Our platform uses cookies to enhance your experience. These include:
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1. Essential Cookies: Necessary for platform functionality.
2. Analytical Cookies: Help us understand user behavior and improve services.
3. GDPR Compliance: Users can manage their cookie preferences via the cookie settings page.

Third-Party Links PayLoad may contain links to external websites or services. We are not responsible for their privacy practices or content. Please review their privacy policies before engaging with them.
International Data Transfers If you access PayLoad from outside our operational regions, your data may be transferred to and processed in countries with different data protection laws. We ensure such transfers comply with applicable regulations.
Children's Privacy PayLoad is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with their data, contact us to have it removed.
Changes to This Privacy Policy We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised effective date. Please review it periodically to stay informed about how we protect your information.