Privacy Policy

1. Introduction

YovaPay ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

2. Information We Collect

2.1 Personal Information

• Full name
• Date of birth
• Contact information (email, phone number)
• Residential address
• Government-issued identification documents
• Banking and financial information
• Transaction history

2.2 Technical Information

• IP address
• Device information
• Browser type and version
• Operating system
• Usage patterns and preferences

3. How We Use Your Information.

We use your information to:

• Provide and maintain our services
• Process your transactions
• Verify your identity
• Comply with legal and regulatory requirements
• Detect and prevent fraud
• Improve our services
• Communicate with you about your account and transactions

4. Data Storage and Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

Your data is stored securely in accordance with applicable data protection laws, including:

• EU General Data Protection Regulation (GDPR)
• UK Data Protection Act
• Rwanda Data Protection Law

5. Data Sharing and Third Parties

We may share your information with:

• Licensed financial partners who help process your transactions
• Identity verification services
• Regulatory authorities
• Law enforcement agencies when required by law

6. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information
• Object to processing of your information
• Data portability
• Withdraw consent

7. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers in accordance with applicable data protection laws.

8. Retention Period

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes
• Enforce our agreements

9. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience and collect usage data. You can control cookie settings through your browser preferences.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

11. Changes to Privacy Policy

We may update this Privacy Policy periodically. We will notify you of any material changes through our website or by email.