This privacy policy provides for everything you need to know about your data usage when you use our website or application. It is important to us at Payhelpa Limited to help our customers retain their privacy when they use the website. Please the policy carefully in other to understand how we collect your data and what we use it for.

The use of our website/app may result in the processing of personal data. The term “personal data” refers to all information relating to a specific or identifiable person. When you use the website, we collect data that you provide yourself. In addition, when you use the website, we automatically collect certain information about your use of it.

We process personal data in compliance with the relevant data protection regulations of the Federal Republic of Nigeria. We will only process data where we are legally permitted to do so. When you use our website you consent that we are permitted to process your personal data.

Notice

First name, last name, email address, telephone number, street, house number, additional address information, postcode, city, Bank verification Number (BVN) (hereinafter combined referred to as “user profile data”) .

As you try to create an account with PayHelpa, we would require you to input your logging information such as email, phone number, password, and username. Also, we collect information when while you fill forms and send correspondences to us via emails, social media, phone calls, or otherwise.

Access

As a user/customer, we will provide you with the means to ensure that your personal information is correct and current. You may review and update this information at any time on the website. There, you can:

• View and edit the personal information you have already given us.
• Tell us whether you want us to send you marketing information.
• Sign up for promotional materials about our services and products.
• Create an account with Payhelpa . Once you create the account, you will not need to do it again. Wherever you go on our page or app, your information stays with you.

Security & Account Protection

PayHelpa Limited has taken strong measures to protect the security of your personal information and to ensure that your choices for its intended use are honored. We take strong precautions to protect your data from loss, misuse, unauthorized access or disclosure, alteration, or destruction. When your bank account information is collected, it is transmitted by encryption technology.

We would make reasonable efforts to ensure that your transactions are safe and secure. Payhelpa Limited strictly protects the security of your personal information and honours your choices for their intended use. We carefully protect your data from loss, misuse, unauthorized access or disclosure, alteration, or destruction.

Your personal information is never shared outside the company without your permission, except under the conditions explained above. Inside the company, data is stored in password-controlled servers with limited access. Your information may be stored and processed in Nigeria or any other country where PayHelpa Limited, its subsidiaries, affiliates or agents are located.

No security measures, however, are 100% complete. Therefore, we do not promise and cannot guarantee, and thus you should not expect, that your personal information or private communications will not be collected and used by others. You have a significant role in protecting your information. No one can see or edit your personal information without knowing your user name and password, so do not share these with others. When creating your password you should use unique numbers, letters, special characters, and combinations. If you do share your password or your personal information with others, you are solely responsible for all actions taken via your account. If your password has been compromised for any reason, you must immediately notify us to change your password. We are not responsible for the unauthorized use of your information or any lost, stolen, or compromised passwords, or for any activity on your account via unauthorized password activity.

Links To External Website

Our website/ App may contain links to other websites or resources over which we do not have any control. Such links do not constitute an endorsement by us. You acknowledge that PayHelpa is providing these links to you only as a convenience, and further agree that we are not responsible for the content of such external websites.

We are not responsible for the protection and privacy of any information which you provide while visiting such external websites and such sites are not governed by this policy. Your use of any external website is subject to the terms of use and privacy policy located on the external website linked to.

Enforcement

If for some reason you believe we have not adhered to these principles, please notify us by email at support@payHelpa.com and we will do our best to determine and correct the problem promptly. Be certain the words “Privacy Policy” are in the Subject line.

Customer Profile

As mentioned above, every customer with a personal account has a virtual account number. Each profile is assigned a unique personal identification number, which helps us ensure that only you can access, receive and transfer money.

When you register, we create your profile, assign a personal identification number, and then send this personal identification number back to you.

We collect information from you by using cookies. A cookie contains information about the user. The cookie helps us analyze web traffic or informs you about your use of a particular website.

Cookies allow web applications to respond to you as an individual, tailoring their operations to your needs likes, and dislikes by gathering and remembering information about your preferences. When you visit the website, we may send one or more cookies (i.e., a small text file containing a string of alphanumeric characters) to your computer that identifies your browser. The terms of use of these cookies are governed by this policy.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you disable cookies you may be prevented from taking full advantage of the website because it may not function properly if the ability to accept cookies is disabled.

What We Do With The Information You Share

When you join us, you provide us with your contact information, email address, and other personal information in order to:

• Send you updates about your request, questionnaires to measure your satisfaction with our service, and announcements about new and exciting services that we offer.
• Better understand your needs and provide you with a better website experience
• Provide required and requested services to you
• Verify your identity and eligibility to use our services
• Provide support services to you when necessary
• Maintain perfect records on every user
• To process payment, including sharing with third-party payment gateways in connection with our services
• To improve our website and services
• To periodically send promotional emails to the email address you provide regarding new services introduced by us or special offers.
• Resolve disputes and protect ourselves
• Effect unanticipated, necessary and legal-complaint uses
• Send you updates about your request, questionnaires to measure your satisfaction with our service, and announcements about new and exciting services that we offer.
• Better understand your needs and provide you with a better website experience
• Provide required and requested services to you
• Verify your identity and eligibility to use our services
• Provide support services to you when necessary
• Maintain perfect records on every user
• To process payment, including sharing with third-party payment gateways in connection with our services
• To improve our website and services
• To periodically send promotional emails to the email address you provide regarding new services introduced by us or special offers.
• Resolve disputes and protect ourselves
• Effect unanticipated, necessary and legal-complaint uses

Disclosure

Payhelpa Limited will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to:
(a) Conform to the edicts of the law or comply with legal process served on us or the site;
(b) Protect and defend the rights or property of Payhelpa Limited and,
(c) Act in urgent circumstances to protect the personal safety of users of Paylepa Limited, its Websites, or the public.
(d) Enforce this Privacy Policy or our Terms of Use
(e) Prevent illegal or unauthorized transactions.

Choices You Have Regarding The Use Of Your Personal Information

PayHelpa Limited may send periodic promotional or informational emails to you. You may opt-out of such communications by following the opt-out instructions contained in the email. Please note that it may take up to ……… business days for us to process opt-out requests. If you opt-out of receiving emails about a recommendation or other information we think may interest you, we may still send you emails about your account or any service you have requested or received from us.

Duration Of Storage

Unless otherwise stated in the following sections, We will store personal data only for as long as necessary to achieve the purpose of processing, or to fulfill our contractual or statutory obligations. Such statutory storage duties may result especially from commercial or tax law regulations.

Changes To Our Privacy Policy

In line with applicable law, we may revise this Privacy Policy at any time and at our discretion. You may decide whether you want to accept a revised version of this Policy.

Withdrawal Of Consent

You are entitled to withdraw your consent to the processing of your personal data. Withdrawal of consent does not affect the legality of processing done before you declared your withdrawal.