Effective Date: 01 June, 2023

PRIVACY POLICY Last updated 08 April, 2024

Introduction

Welcome to Gexipay's privacy policy.

Gexipay is a payment platform dedicated to simplifying the way users manage and settle bills, subscriptions, and various digital assets. Gexipay respects your privacy and is committed to protecting your personal data. This privacy policy will inform you about how we collect, use, and protect your personal data when you use the Gexipay website and/or app (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.

This privacy policy explains:

• The type of personal information we collect
• How we collect personal information
• How we use cookies
• How we use your personal information
• Disclosure of personal information
• Security of your personal information
• International transfers
• Data retention
• Your legal rights
• How you contact us about this notice

Please read this privacy policy carefully to understand our practices regarding your personal data and how we will treat it.

Important Information and Who We Are

Purpose of this Privacy Policy

At Gexipay, your privacy is highly valued, and we exercise all reasonable endeavors to protect your Personal Information in line with this Privacy Policy. "Personal information" refers to any information from which your identity could reasonably be ascertained. Gexipay will only collect and use your personal information in accordance with this Privacy Policy and the terms of your agreements with Gexipay.

By using Gexipay's products, services, content, features, technologies, or functions offered on our website and all related sites, applications, and services, you accept this Privacy Policy.

1. The Type Of Personal Information We Collect

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data). In order to enable us to open and operate an account or to generally provide you with our products and services and comply with laws and regulations, we may need to and/or may be required to collect, record, hold, use, disclose and store (i.e. "process") personal information and financial information about you, including but not limited to:

• Identity Data includes first name, last name, username or similar identifier, means of identification, selfie, date of birth, and gender.
• Contact Data includes residential address, email address, and telephone numbers.
• Financial Data includes bank account information.
• Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.
• Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
• Profile Data includes your username and password, purchases or orders made by you, your interests, preferences, feedback, and survey responses.
• Usage Data includes information about how you use our website, products, and services.
• Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

2. How We Collect Personal Information

We obtain personal information in various ways, including but not limited to:

• when you register an account with Gexipay through our website;
• through your relationship with us, for example information provided by you when using our products or services, when taking part in customer surveys, competitions and promotions;
• from an analysis of the way you use and manage your account with us, from the transactions you make and from the payments which are made to/from your account;
• when you contact Gexipay through various methods such as application forms, email, letters and telephone calls. If you contact us or we contact you using telephone, we may monitor or record the phone call for quality assurance, training and security purposes;
• when we obtain any data and information from third parties;
• from such other sources in respect of which you have given your consent to disclose information relating to you and/or where not otherwise restricted.

3. How We Use Cookies

Cookies help us give you the best experience of using our site. In this policy we use the term "cookies" to refer to cookies and other similar technologies.

Cookies are small data files that we or companies we work with may place on your computer or other device when you visit our website. They allow us to remember your actions or preferences over time.

We use cookies to collect data that helps us to :

• track site usage and browsing behaviour;
• allow you to log-in to your account and navigate through the website;
• monitor the effectiveness of our promotions and advertising; and
• mitigate risk, enhance security and help prevent fraud.

We use both session and persistent cookies. Session cookies are deleted when you close down your browser, while persistent cookies remain on your device until they expire or you delete them. Persistent cookies allow us to remember things about you when you visit our website again.

To help us monitor the effectiveness of our promotions and advertising, we may provide site usage data obtained through the use of cookies to select third-party service providers. Any data provided by us to these third parties will be non-personally identifiable.

By signing-up for an account with Gexipay, or continuing to use our website, you agree to our use of cookies as set out in this policy. You may decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of Gexipay's services. For information on how to delete or reject cookies, you can consult the "help" function within your browser, or visit www.allaboutcookies.org, where you will also find more information about cookies generally.

4. How We Use Your Personal Information

Other than as stated above, we may use your personal information for one or more of the following purposes :

• We use your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law.
• We may also use your information for other purposes with your consent.

We use your personal information for a variety of reasons, depending on how you interact with our Services, including:

• To facilitate account creation and authentication and otherwise manage user accounts.
• To deliver and facilitate delivery of services to the user.
• To respond to user inquiries/offer support to users.
• To send administrative information to you.
• To fulfil and manage your orders.
• To save or protect an individual's vital interest.

Change of purpose: We will only use your personal data for the purposes for which we collected it unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us via our support channels.

If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

5. Disclosure Of Personal Information

As a part of providing you with our products and services, and for the management and operations of these products and services, and to comply with legal and regulatory requirements, we may be required or need to disclose information about you and your account with us to the following third parties:

• companies and organisations that act as our agents, affiliates and/or professional advisers;
• companies and organisations that assist us in processing or otherwise fulfilling transactions that you have requested;
• law enforcement, regulatory and governmental agencies;
• your advisers (including but not limited to accountants, auditors, lawyers, financial advisers or other professional advisers) where authorised by you;
• any other person notified by you as authorised to give instructions or to use the accounts, facilities, products or services on your behalf.

The aforementioned third parties may in some instances be located outside of your country.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

6. Security Of Your Personal Information

Gexipay places great importance on ensuring the security of your personal information. We regularly review and implement up-to-date technical and organisational security measures when processing your personal information. Employees of Gexipay are trained to handle the personal information securely and with utmost respect, failing which they may be subject to disciplinary action.

However, please note that although we take reasonable steps to protect your information, no website, Internet transmission, computer system, or wireless connection is completely secure. We have therefore put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

7. International Transfers

The personal information we collect from you may be transferred to, stored and processed outside of the jurisdiction in which you reside, and the laws of those countries may differ from the laws applicable in your own country. For example, information collected in the European Economic Area (EEA) may be transferred to, stored and processed at a destination(s) outside of the EEA. Any processing of such information will be undertaken by our staff, or the staff of our third-party service providers, whose roles will include verifying your identity, processing payment details, and providing customer support. By submitting your personal data, you agree to the transfer, storing or processing of it outside of your jurisdiction.

8. Data retention

We will only retain your personal data for the duration of your relationship with us, and afterwards for such period as may be necessary to protect the interests of Gexipay and its customers, and as required by Gexipay’s relevant policies, and as required by the law. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation with respect to our relationship with you.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

In some circumstances, we will anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, wherein we may use this information indefinitely without further notice.

9. Your legal rights

Under certain circumstances, you have rights under data protection laws in relation to your data. Please visit the Glossary to find out more about these rights:

• Request access to your personal data.
• Request correction of your personal data.
• Request erasure of your personal data.
• Object to processing of your personal data.
• Request restriction of processing your personal data.
• Request transfer of your personal data.
• Right to withdraw consent.

Opting out of marketing and promotional communications:
You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, or by contacting us using the details provided in the section 'How you can contact us about this notice'

If you wish to exercise any of the rights set out above, please contact our data protection officer (DPO), through email with [email protected]

No fee is usually required:
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.

What we may need from you:
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond:
We try to acknowledge all legitimate requests within 24hrs and resolve any queries within three (3) to five (5) business days. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

10. How you contact us about this notice

If you have questions or comments about this notice, you may email us at [email protected]