Overview
Payline and its affiliates (“we,” “us,” “our” collectively, “Payline”) are committed to safeguarding the rights and privacy of individuals in accordance with the Data Protection Legislation.
This Privacy Policy is designed to give you information on our privacy practices, the measures we take to protect the security of the data and to help you understand your rights and choices when we collect or process your Personal Data.
By using or accessing our Services, you agree to the collection, use, and disclosure of your personal data as described in this Privacy Policy. Your use of our Services is also subject to Payline’s Terms. Should you disagree to abide by such Terms, or if you revoke your consent to the processing of your personal data, your account will be disabled and you will no longer be able to access or interact with the Payline platform.
Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at support@payline.co.
Our Privacy Principles
This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for. You can also click here to go directly to our table of contents.
1. Empowering the Individual:
- Payline values your control over your Personal Data and encourages you to make voluntary choices about it.
2. Securing Personal Data:
- We prioritize the security of your information and implement appropriate measures to protect your Personal Data.
3. Transparency and Education:
- We are transparent about what Personal Data is, how we collect and process it, and how we ensure its security.
4. Adherence to Local Laws:
- As a global company, we adapt our privacy practices to local laws. Specific privacy notices may apply to certain products or Services.
5. Ensuring Data Accuracy:
- Steps are taken to keep Personal Data accurate and up-to-date.
6. Need-to-Know Basis for Data Collection:
- We collect and store Personal Data on a "need to collect" basis and in compliance with applicable laws.
1. Personal Data We May Collect About You
We may collect, use, or process Personal Data such as:
- Identity Data: Full name, government-issued identity number, date of birth, and related documents used for identity verification.
- Contact Data: Country of residence, contact address, email address, contact number, device details, and billing information.
- Log/Technical Data: Information about your interactions with Payline Services, including browser details, links clicked, and device information.
- Financial Data: Bank account details, card information, Bank Verification Number (BVN), international bank account number (IBAN), and transaction details.
- Transactional Data: Information related to payments or transactions when using Payline Services.
- Marketing and Communications Data: Records of your subscription preferences, communication history, and content of communications.
2. How We Obtain Your Personal Data and Why We Have It
Personal Data is directly provided by you when:
- Signing up or registering to use a Payline Account.
- Using any of our Services or receiving transfers through our Services.
- Contacting our customer support team or corresponding with us.
- Filling in online forms, responding to surveys, or applying for employment opportunities.
- Registering for and attending webinars, events, or online discussions.
We may also collect Personal Data from third-party sources for due diligence checks.
3. Legal Basis for Using Your Personal Data
The legal bases for processing your Personal Data include:
- Your consent.
- Contractual obligation for providing Services.
- Legal obligation for compliance with applicable laws.
- Legitimate interest, such as fraud prevention or business interests.
4. How We May Use Your Personal Data
We may use your Personal Data for various purposes, including:
- Account creation and management, identity verification, and responding to inquiries.
- Processing payments and transactions, providing payment-related services.
- Fraud prevention, detecting unauthorized transactions, and protecting against liabilities.
- Communication about products, offers, and promotions.
- Sending service updates and resolving inquiries or complaints.
- Business improvement, product development, and legal defense.
5. Your Data Protection Rights
As a User, you have rights under the Data Protection Legislation, including the right to be informed, access, request deletion, correct inaccuracies, opt-out of marketing, object to processing, withdraw consent, and data portability.
6. Disclosing Your Personal Data
We may disclose Personal Data to third parties for the purposes mentioned in this Notice. This includes subsidiaries, service providers, law enforcement agencies, and in the event of a merger or acquisition.
7. Data Security and Retention
We employ security measures to protect Personal Data, including secure servers, firewalls, and encryption. Personal Data is retained as long as necessary for providing Services and complying with legal obligations.
8. Marketing
We may process Personal Data for marketing purposes with your consent. You have the right to opt-out of marketing communication.
9. Cookies
We may process Personal Data for marketing purposes with your consent. You have the right to opt-out of marketing communication.
10. Minors
Payline’s services are not directed at individuals under the age of eighteen (18). If mistaken data collection from a minor is suspected, please contact us.
11. International Data Transfers
Personal Data may be transferred internationally with appropriate safeguards to comply with Data Protection Legislation.
12. Updates to Our Privacy Policy
This Privacy Notice may be updated periodically. Changes will be posted on our website, and significant changes will be communicated directly to Users.
13. Contact Us
For privacy inquiries, contact our Data Protection Officer at privacy@payline.co.
Definitions
- Account:
- A profile created by a User on any Payline platform or product.
- Cookies:
- Small data files transferred to a computer or device for various purposes.
- Data Protection Legislation:
- Applicable laws on the protection of personal data.
- Personal Data:
- Information identifying a living person, including contact details, financial information, and more.
- Services:
- Products, applications, features, websites, tools, software, or any offerings provided by Payline.
- Sites:
- Platforms including mobile applications, websites, and social media.
- User:
- An entity or individual using Payline Services or accessing Payline Sites.