Q1. What is Interpay?

Interpay Africa ( “Interpay Africa,” “we,” or “us“ ) knows that you care how Personal Information about you is collected, used, shared and stored. “Personal Information” means information which personally identifies you. “Affiliate”, means a company which we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.
We are committed to protecting our customer's Personal Information. This Privacy Policy explains what Personal Information we collect about you when you use our Interpay Africa platform (the “Service“); whom we share it with; and how you can control the collection, correction and/or deletion of Personal Information.
This Privacy Policy should be read along with our Terms of Use posted on our website (“Agreement“) and all other operating rules, policies and procedures and additional terms and conditions published on our Website(all of which are incorporated by reference) which governs your use of our Website and Service. Capitalized terms, if not defined in this Privacy Policy, are defined in the Agreement.
Interpay Africa complies with the data protection frameworks as set forth by the Ghanaian Data Protection Commission regarding the collection, use, and retention of personal data. Interpay Africa adheres to the industry best practices and is committed to providing its users with sufficient notice, choice, security, data integrity, access, and enforcement of data protection principles and standards.

Personal Information We Collect or You May Provide

You provide us with the following Personal Information when you register to be a wallet holder:

• Your full name
• Your email address and telephone number
• Your bank account information
• Your date of birth
• Your location

If you join as an entity, you will provide us with the following Information in addition to the Personal Information you provide when you register to be an Interpay merchant:

• Your registered business name and address
• Your Tax ID and company registration number
• Your contact information such as telephone number and email address
• Your bank account information
• Your logo

We may obtain address information about you from third party sources, for fraud prevention or for legal compliance.
We may collect Personal Information from you as a result of your email communications with us or your public media posts which we may retain along with our responses. Any Personal Information you publicly post online is without any expectation of privacy or confidentiality.
We may also sometimes collect and disclose information about how users use our Website,for example,by tracking unique views received by pages of the Website or the domains from which users originate.This information is not personally identifiable. We may also use “cookies” to track returning users to our Website. A cookie is a piece of software that a Web server can store on the user's PCs and use to identify the users should they visit the Website again. Information collected may be associated with non-public personal information users provide us through our Website.

Information we share with service providers or joint marketers

We may disclose all of the information we collect, as described above, to our Affiliates and to third party entities that perform services on our behalf or with who we partner or are affiliated with in connection with the services we provide to you, including but not limited to financial service provider who provide services to us, those who assist us in preparing and mailing statements (if applicable) and responding to customer inquiries, to those who perform marketing services for us and to financial institutions that are not our Affiliates with whom we jointly offer financial products or services. You do not have the right to opt out of the disclosure of this information.

How We Use Your Personal Information

We use your Personal Information to operate, maintain, and provide to you the Service and conduct our business. For example (and not limited) to:

• Register as a User and to identify you when you sign-in to your account
• Administer your account or funds
• Respond to your inquiries, customer service requests, complaints
• Verify activity as we deem necessary
• Send you a newsletter or other promotional communications
• Conduct research and analyze data to improve our Service or customize our communications with you
• Communicate with you

How We Share Your Personal Information with Third Parties

We will share your personal information with third parties only in the ways that are described in this privacy policy. We do not sell your Personal Information to third parties.
We may share your Personal information:

• As required by law, such as to comply with reporting requirements, a subpoena, or similar legal process.
• In connection with an investigation of fraud, intellectual property infringement, piracy,or other unlawful activity or as we believe reasonably necessary to protect or enforce our rights, protect your safety or the safety of others.
• With any other user, contributor, campaign owner or third party with your prior consent to do so as described in this Policy.

We may provide your personal information to companies that provide services to help us with our business activities such as processing your payments and offering customer service. These companies are authorized to use your personal information only as necessary to provide these services to us and are obligated to keep your information confidential. Some of our pages utilize framing techniques to serve content from our service providers while preserving the look and feel of our site, such as when you enter credit card information. Please be aware that you are providing your personal information to these third parties and not to Interpay Africa.
If Interpay Africa is involved in a merger,acquisition,or sale of all or a portion of its assets or bankruptcy, you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information.

How We Store and Protect Your Personal Information

We may store Personal Information in locations outside our direct control (for instance, on servers or databases co-located with hosting providers).
We use Security Sockets Layer (SSL) encryption technology to encrypt sensitive personal information (such as your payment information and geolocation) before it travels over the internet. Credit card numbers are never stored on our database or servers.
The security of your personal information is important to us. We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet,or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security.

Compromise of Personal Information

We will promptly notify those persons whose Personal Information is compromised. Notwithstanding, Interpay Africa does not accept liability for any unintentional disclosure or a disclosure that occurs due to a security breach of our systems or facilities.

User Access and Choice

You may, of course, decline to submit Personal Information to us; in which case, you may not be able to become an Interpay Africa merchant or wallet holder or use the Service.
If your Personal Information changes, you may correct, update, amend, remove, or ask to have it removed by contacting the email address listed below. If you no longer desire our Service, you may contact us directly. We will respond to your request within 30 days.
We will retain your Personal Information permanently, however we will use your Personal Information for as long as your account is active or as needed to provide you services. We will retain and use your Personal Information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Notification, Electronic Communication and Opt-Out

You consent to our using your email address to send you Service-related notices, including any notices required by law, in lieu of communication by postal mail.
Upon registration, or on other areas of the site, you may opt-in to receive periodic messages from us, including changes to features of the Service, newsletters, promotions and special offers. If you wish to subscribe to these emails, we will use your name and email address to send them to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails. Opting out may prevent you from receiving email messages regarding updates, improvements, or offers.

Children’s Privacy

Protecting the privacy of young children is especially important. Interpay Africa does not knowingly collect or solicit Personal Information from anyone under the age of 18 or knowingly allow such persons to register. If you are below the age of 18, please use our Service with adult supervision. If you are under 18, please do not send any Personal Information to us. If we learn that we have collected Personal Information from a child under age 18, we will remove that information as quickly as possible. If you believe that we might have any Personal Information from or about a child under 18, please contact us at the contact information below.

Changes to Our Privacy Policy

If we make a material change to our privacy policies and procedures as to the collection, use or disclosure of your Personal Information, we will post a notice of those changes on our Website or notify you by email (sent to the email address specified in your account) to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it, prior to the change becoming effective. You are bound by changes to the Privacy Policy when you use the site after those changes have been posted. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Us

If you have any questions about this Privacy Policy, the Services of this site, or your dealings with this Website, please contact us at No.5 North Ridge Close, P.M.B CT 121 Cantonments, North Ridge, Accra, Ghana.