We collect the data you provide us so that we can offer you our services in the most effective way possible. We aim to maintain the highest level of transparency in the information gathering and utilisation processes. We use your personal information in our business operations to deliver our goods and services or those of our partners and to carry out, among other things, the following:
When you sign up to use YPay Services, your computer, smartphone, or any other access device sends us your information. The data you send us may include, but is not limited to, your computer’s IP address, device ID or unique identification, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, standard web log data, and any other relevant information. If you allow YPay access to your mobile device’s contact list and address book, YPay may use that access to collect and store the names and contact details in your address book in order to facilitate invitations, social interactions, and payments/transfers to your contacts through our Platform as well as other uses outlined in this Policy.
User Profile Data
Demographic/ Geolocation Data
This includes your name, age, gender, income, occupation, and address (including city). If you enable location services, we will be able to gather location information from your mobile device, or when our Platform is running in the background
on your mobile device. If you disable location services, you won’t be able to access the Platform’s crucial functions.
This includes the data you actively put into the platform to facilitate a better quality of services and how you interact with our services:
This information includes the dates and times of access, the features or pages that were seen on the Platform, any system activity such as crashes, the type of browser that was used, and any third-party websites or services that were accessed prior to using our Services. We utilise web beacons and cookies to gather anonymous information as well. When you use YPay Services, including when you add information to a web form, update your account information, take part in community discussions, chats, or dispute resolutions, or when you otherwise contact us regarding YPay Services, we may collect and keep any information you give us.
The Wallet Data may be used by us in line with the provisions of this Policy. We may gather information from you about how you use your wallet, including your transaction history, information about any services you apply for or use, loads, transfers, and spends made with the wallet, KYC information, balances, and payment information needed to transfer money through the various payment channels we offer.
Data from Other Sources
We could also have close relationships with outside parties (such, for instance, commercial partners, technical partners, analytics service providers, and search information providers), and we might get information about you from them. Such information might be integrated with information gathered on this platform and distributed internally.
We only share the data we gather with third parties as necessary; we do not sell your data to any of them for financial gain. To offer you with the Services, we could, nevertheless, enter into data-sharing agreements or divulge the gathered data to third parties. The way in which we distribute the information gathered is given below:
API and Integration Partners
We could provide third parties your information about how you use the Platform, only if your connection to it is made possible by integration with the service provided by the third party. To obtain more information about you, we could disclose your information to our third-party partners. In order to produce offers that may be of interest to you, we may also disclose your information to third-party partners.
We work with third-party service providers to perform services on our behalf, and we may share your information with such service providers to help us provide our Services through the Platform.
Subsidiaries and Holding Companies
We share data with our subsidiaries and affiliates to help us provide our Services or conduct data processing on our behalf.
Financial institutions and Banks that we partner with to jointly create and offer a product. These financial institutions may only use this information to market YPay related products, unless you have given consent for other uses.
Change in Control
We could be required to divulge the databases and information we’ve collected during the course of our business during negotiations or in connection with a change in corporate control, such as a reorganisation, merger, or sale of our assets.
Law Enforcement, only if required
Law enforcement, government officials, or other third parties pursuant to a subpoena/summon, court order, or other legal process or requirement applicable to YPay or one of its affiliates; when we need to do so to comply with law or debit/ credit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement.
It’s crucial that you maintain control over your data. Your personal information belongs to you alone, and you have the right to limit how we use it in the ways described below. Additionally, you need to be aware of your legal options when it comes to how we can utilise your data and information. Following are some important disclaimers for you to consider:
The following is a list of your rights about your data:
Right to Confirmation
You have the right to ask us to confirm if we are processing any of your personal information, including your name, address, age, and credit card numbers.
Right to Rectification
If you believe that any personal information you have supplied to us is erroneous, you have the right to update it and request that we correct it right away. To guarantee that your usage of our Services is perfect, we kindly ask that you always give us with precise and complete information/data.
Right to Purge Your Information
If the data is no longer required by us, you have the right to request that we purge it without undue delay, and we shall comply with your request. However, be assured that as soon as the justification for processing your personal data expires, we will remove it from our databases automatically. Please be aware that there may be many legal basis for processing your personal data concurrently, and we may still be required to keep part of your personal data on file.
Right to the Restriction of Data Processing
You have the right to require us to restrict the usage of data when the use of such data may be illegal or when such data is inaccurate.
Right to Withdraw Consent
You always have the choice to revoke or withdraw your consent for us to handle your data when using our services or in another way. However, we retain the right not to offer the Services for which such information was obtained in the event that you withdraw your permission. You can write an email to us at [email protected] to revoke your permission. Upon receiving a confirmation from us, your withdrawal will take effect.
Right to Opt Out
By emailing us at [email protected], you may tell us that you no longer want to receive promotional communications from us. By following the unsubscribe instructions in such messages, you may also choose not to receive emails and other communications from us. However, we will still send you non-promotional emails even if you have chosen not to receive information from us.
Right to Restrict Location Information
While you can prevent your device from sharing location information at any time through its operating system settings, sharing such location is core to how the Platform works and without it, we cannot provide our Services accurately and efficiently to you.
Complete client satisfaction is what we prioritise. If you are unhappy with our services, we will return your money as long as your complaints are valid after thorough investigation. The following is our cancellation and refund policy:
Policy on Cancellations:
Please email us with any cancellation requests at [email protected]. Customers are free to cancel their YPay cards and ask for a refund if they are unhappy with our services. After deducting the cost of the card’s printing and logistics, a refund will be given.
This Policy may occasionally be updated. To the extent permitted by law, using our services following an update implies acceptance of the new notice. If we make any major changes, we’ll let you know ahead of time. For up-to-date details on our privacy policies, kindly take the time to periodically check our Policy.
We may from time to time send you service-related announcements when we consider it necessary to do so (such as when we temporarily suspend the Platform for maintenance, security, privacy, or administrative-related communications). We send these to you via SMS or email, as we deem fit.
We have appointed a grievance officer to address your concerns regarding data safety, and privacy with regard to your YPay Account. You may contact us on any aspect of this policy or for any discrepancies/grievances with respect to your Personal Data, by contacting our Grievance Officer at:
Email address: [email protected]
Office hours: 12 noon to 6 P.M.