Privacy Policy

On the PentaPay platform, we collect the following types of personal information:

a) Information You Provide Directly

• Full name, ID/passport number

• Email address, phone number

• Business registration details

• Payment information

• Login credentials

• KYC (Know Your Customer) documents

b) Information We Collect Automatically

• IP address and browser data

• Device type, operating system

• App usage statistics

• Geolocation (if enabled)

• Cookies and tracking data (see our Cookie Policy)

c) Information from Third Parties

• Bank/payment gateway data

• Credit bureau and risk scoring data (e.g., for PentaScore)

• Identity verification services

2. How We Use Your Information

We use your data to:

• Process and manage payments

• Verify your identity and perform KYC

• Provide customer support

• Monitor, analyze, and improve the platform

• Prevent fraud and ensure compliance

• Communicate updates, security alerts, or promotional offers

We only process personal data based on lawful grounds: contract, legal obligation, legitimate interest, or your consent.

3. Sharing and Disclosure

We may share your data with:

• Regulated financial institutions and payment processors

• Identity and credit verification providers

• Service providers (e.g., hosting, analytics, fraud detection)

• Regulators or law enforcement when required by law

We never sell your personal data.

4. Data Storage and Security

Your data is stored securely using encrypted servers and modern cybersecurity practices. We apply strict access controls and audit trails to protect all sensitive information.

If stored or transferred internationally, we ensure compliance with applicable cross-border data laws.

5. Your Rights

You have the right to:

• Access or correct your personal information

• Withdraw consent at any time

• Request deletion of your data (where lawful)

• Object to data processing or request restrictions

• Lodge a complaint with a data protection authority

To exercise your rights, email us at privacy@pentapay.africa.

6. Retention of Data

We retain your information only as long as necessary to:

• Provide services

• Comply with financial regulations and tax laws

• Resolve disputes or enforce agreements

7. Children’s Privacy

PentaPay is not intended for use by persons under the age of 18. We do not knowingly collect data from minors.

8. Updates to This Policy

We may update this Privacy Policy periodically. If we make material changes, we will notify you via email or in-app notification. Continued use of our services constitutes acceptance.

9. Contact Us

For questions, requests, or concerns, contact:
📧 privacy@pentapay.africa
🌐 www.pentapay.africa