Effective Date: 16th Feb 2025

JostPay Limited ("we," "our," or "the Company") is committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information when you use our services ("Services") provided through JostPay Limited. By accessing or using our Services, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

We collect the following types of information:

Name
Email address
Phone number
Physical address
Social media account information (if you use SocialBoost services)
BVN (if you activate a personal bank virtual account for deposit)
Age
Gender
Government Issued ID Card (If you verify your account)
Facial Capture (If you verify your account)

1.2 Usage Data

We may collect information on how you access and use our Services, such as:

IP address
Browser type and version
Device type
Pages visited on our website
Time and date of your visit
Time spent on those pages
Referring website or search term used to find our website

1.3 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and improve user experience. These technologies include:

Cookies: Small files stored on your device that contain information about your browsing activity.
Web Beacons and Pixels: Small graphic images or code used to track user activity on our site.

You can control the use of cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website.

2. How We Use Your Information

We use the information we collect for the following purposes:

To Provide and Improve Our Services: To offer our products, services, and features; process payments; and improve user experience.
To Communicate with You: To send account-related information, updates on new features, promotional content, or respond to inquiries and customer support requests.
To Personalize Content: To deliver tailored content and recommendations based on your preferences and activities.
For Marketing and Promotions: To send promotional offers, newsletters, and updates. You can opt out of receiving marketing emails at any time by following the unsubscribe instructions provided.
To Maintain Security and Integrity: To prevent fraud, ensure the security of our Services, and comply with legal obligations.

3. How We Share Your Information

We may share your information with the following parties:

3.1 Service Providers

We may share your information with third-party vendors and service providers who assist in operating our business, such as:

Payment processors
Email service providers
Hosting providers
Customer support platforms These third parties are bound by contractual obligations to protect your information.

3.2 Business Transactions

In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you if your personal data is transferred and becomes subject to a different privacy policy.

3.3 Legal Obligations

We may disclose your information if required by law or to protect our rights, property, or safety, or the rights, property, or safety of others. This includes:

Complying with legal obligations, court orders, or government requests.
Enforcing our Terms and Conditions and other agreements.

4. Data Retention

We will retain your personal data only for as long as necessary for the purposes set out in this Privacy Policy. We will also retain and use your personal information to comply with legal obligations, resolve disputes, and enforce our agreements.

5. Security of Your Information

We employ industry-standard security measures to protect the personal information you provide. This includes encryption, secure servers, and firewalls. However, no method of transmission over the Internet or method of electronic storage is 100% secure, so we cannot guarantee absolute security.

6. Your Data Protection Rights

You have the following rights regarding your personal information:

Access: You can request access to the personal data we hold about you.
Correction: You can request that we correct or update any inaccurate or incomplete personal data.
Deletion: You can request that we delete your personal data, subject to certain legal exceptions.
Object to Processing: You can object to the processing of your personal data in certain circumstances.
Data Portability: You have the right to request a copy of your personal data in a commonly used, machine-readable format.
Withdraw Consent: You can withdraw your consent for the processing of your personal data at any time, where we rely on consent.

To exercise these rights, please contact us at [email protected]. We will respond to your request within a reasonable timeframe and in accordance with applicable data protection laws.

7. Children's Privacy

Our Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without verification of parental consent, we will take steps to delete such information.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Any changes will be posted on this page with an updated "Effective Date." We encourage you to review this Privacy Policy periodically for any updates. By continuing to use our Services after any changes, you agree to the revised Privacy Policy.

9. Contact Us

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

Email: [email protected]
Address: JostPay Building, Okun Ajah Road, Opposite Atican BeachView Estate, Lagos, Nigeria

By using JostPay’s Services, you consent to the collection, use, and disclosure of your personal data as described in this Privacy Policy.

Note: This Privacy Policy applies to JostPay Limited and its Services.