At SMPLY PAY, we are committed to safeguarding your privacy and protecting your personal information. This Privacy Policy outlines how we collect, use, and disclose information when you use our services, including but not limited to online payments, refunds, and customer support. By accessing or using SMPLY PAY services, you consent to the practices outlined in this policy.

1. Information We Collect

We collect the following types of information:

• Personal Information: Includes your name, email address, phone number, billing address, and credit card information when you use our payment processing services.
• Transaction Data: Information related to your payments, including the transaction amount, date and merchant details.
• Technical Data: Includes IP addresses, browser types, operating systems, device information, and cookies for the purpose of improving user experience and security.
• Support Information: Any information provided during interactions with our customer support, such as emails, chat logs, or phone call recordings.

2. How We Use Your Information

We use the information we collect to:

• Process Payments: Facilitate and manage transactions, including payments, refunds, and disputes.
• Improve Our Services: Analyze data for internal operations such as troubleshooting, data analysis, testing, research, and statistical purposes.
• Communicate: Send you administrative messages, service notifications, or marketing communications, unless you choose to opt out.
• Fraud Detection and Prevention: Monitor transactions for fraud and other unlawful activity.
• Legal and Regulatory Compliance: Ensure compliance with legal obligations, including anti-money laundering (AML) and Know Your Customer (KYC) regulations.

3. Sharing Your Information

We do not sell or rent your personal information to third parties. However, we may share your information under the following circumstances:

• Service Providers: We share information with third-party vendors and service providers who assist with payment processing, fraud detection, and customer support. These providers are contractually obligated to safeguard your information and use it only for purposes related to SMPLY PAY.
• Legal Obligations: We may disclose your information to comply with legal requirements, such as responding to a subpoena, court order, or regulatory request.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new owner.

   

4. Data Security

We take security seriously and implement a variety of measures to protect your information, including encryption, firewalls, and secure access controls. Despite our efforts, no method of transmission over the internet or electronic storage is entirely secure. Therefore, while we strive to protect your information, we cannot guarantee its absolute security.

5. Cookies and Tracking Technologies

SMPLY PAY uses tracking technologies to enhance user experience and for analytics purposes.

6. Your Rights

You have the following rights regarding your personal information:

• Access and Update: You can request access to or correction of your personal information at any time.
• Deletion: You can request the deletion of your personal information, subject to legal obligations.
• Opt-Out: You can opt out of marketing communications at any time by following the unsubscribe instructions in our emails.

7. Children's Privacy

SMPLY PAY services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected such information, we will take immediate steps to delete it.

8. International Data Transfers

Your personal information may be transferred to and processed in countries outside your own, including those that may have less stringent data protection laws. We will take appropriate measures to ensure that your personal information remains protected.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top of this page. We encourage you to review this policy periodically to stay informed about how we protect your information.

10. Data Minimization

We are committed to collecting only the minimum amount of information necessary to provide our services. We do not collect or process more information than we need for the specific purpose for which it is collected.

11. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of complying with legal, regulatory, accounting or reporting obligations, as well as for the resolution of disputes and enforcement of our agreements.

The criteria used to determine retention periods include:

• The nature and security of the data: Certain sensitive data may be retained for shorter periods to minimize risk.
• Legal or regulatory requirements: We may retain your data for a longer period where we are required to do so by law or to comply with regulatory obligations, such as anti-money laundering (AML) and tax laws.
• Operation needs: We retain data for the duration of your account's existence and may keep backups of your data for a reasonable period after account closure to handle refunds, chargebacks, or legal claims.
• User request for deletion: Subject to applicable laws, we will delete or anonymize your personal data upon your request.

   

12. Automated Decision-Making and Profiling

SMPLY PAY does not use personal data for automated decision-making processes or profiling that may affect you legally or significantly, unless required by law. Any such processes, if introduced, will be done with explicit user consent.

13. User Consent

Where required by law, we will seek your explicit consent before collecting or using your personal information. You have the right to withdraw your consent at any time by contacting us at info@smplypay.com. Withdrawal of your consent may limit your ability to access certain services.

14. International Users

If you are accessing our services from outside Kenya, please be aware that your personal information may be transferred, stored, and processed in a country different from you reside. We ensure that adequate safeguards are in place to protect your data during such transfers.

15. Business Partners and Affilitates

We may share your personal information with our business partners or affilitates in order to provide enhanced services, but only with your explicit consent. These entities will comply with the terms of this Privacy Policy and any other applicable privacy regulations.

16. Data Anonymization and Aggregation

We may anonymize and aggregate personal data in a way that it no longer identifies individual users. This aggregated data may be used for analytical, research, or statistical purposes, and may be shared with third parties to improve our services.

17. Breach Notification

In the event of a data breach, we are committed to notifying affected users as soon as possible, and within the time frame required by applicable data protection laws. We will also report such breaches to the appropriate regulatory authorities.

18. User Responsibilities

Users are responsible for ensuring that the personal information they provide is accurate and up to date. You should also protect the confidentiality of your login credentials and inform us immediately if you suspect any unauthorized access to your account.

19. Data Portability

Where applicable by law, you have the right to request a copy of the personal data we hold you in a structured, commonly used, and machine-readable format. You may also request that we transmit this data to another service provider, where technically feasible.

20. Right to Restrict Processing

In certain circumstances, you may have the right to request that we limit the processing of your personal data. This could apply, for example, if you contest the accuracy of the information we hold or if you object to process on legitimate grounds.

21. Third-Party Links

Our services may contain links to third-party websites or applications. Please be aware that SMPLY PAY is not responsible for the privacy practices or the content of such third-party services. We encourage you to review the privacy policies of these third-party sites before sharing any personal information with them.

22. Data Subject Requests

We provide users with mechanisms to submit requests to access, modify, or delete their personal data. You can make these requests by contacting us through info@smplypay.com or by accessing your account settings. We will respond to your request within a reasonable timeframe, in compliance with applicable laws.

23. Contact

If  you have any questions about this Privacy Policy or how we handle your information, please contact us at:

Email: info@smplypay.com

Phone: 0717 622774