This Privacy Policy explains how PayVista Ltd (“PayVista,” “we,” “our,” or “us”) collects, uses, stores, and protects your personal information when you use our website, mobile application, or any of our financial services (“Services”).
By using PayVista, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We collect the following types of information to provide and improve our Services:
a. Personal Information
- Full name
- National ID or passport details
- Date of birth
- Phone number and email address
- Residential or business address
- Profile picture (optional)
b. Financial Information
- Bank account details
- Mobile money account information
- Transaction history
- Credit and repayment records
c. Technical and Usage Data
- IP address and device identifiers
- App activity, login times, and location data (if enabled)
- Browser type and operating system
d. Communication Data
- Messages or inquiries sent to customer support
- Feedback or surveys you respond to
2. How We Use Your Information
- Provide and improve our Services; including user verification, payments, and loan management.
- Process transactions securely.
- Assess creditworthiness for float financing or microloans.
- Prevent fraud and enhance security.
- Communicate updates and account notifications.
- Comply with financial and anti-money-laundering laws.
- Personalize your experience and improve usability.
3. Legal Basis for Processing
- To fulfill contractual obligations
- To comply with legal or regulatory requirements
- To protect legitimate business interests (e.g., fraud prevention)
- With your consent, where applicable
4. How We Share Your Information
PayVista does not sell your personal data.
- Authorized financial partners such as banks and payment processors
- Credit bureaus and regulators
- Data storage and security service providers
- Law enforcement when required by law
5. Data Security
- End-to-end encryption of sensitive data
- Multi-factor authentication
- Secure data centers and firewalls
- Continuous system monitoring
However, no online platform is entirely risk-free. Please safeguard your credentials and devices.
6. Data Retention
- Fulfill policy purposes
- Comply with legal requirements
- Resolve disputes and enforce agreements
Afterward, data is securely deleted or anonymized.
7. Your Rights
- Access and request a copy of your personal data
- Request correction or deletion of inaccurate information
- Withdraw consent (where applicable)
- Object to certain data processing activities
To exercise these rights, contact us at [email protected].