Privacy Policy

 Overview

What Personal Data Do We Collect?

Why Do We Retain Personal Data?

How Do We Process Personal Data? 

Do We Share Personal Data? 

How Do We Work with Other Services and Platforms? 

How Do We Use Cookies and Tracking Technologies?

What Privacy Choices Are Available To You?

How Do We Protect Your Personal Data?

Can Children Use Our Services? 

What Else Should You Know?

Contact Us

Definitions

1. Overview

Pesajet has developed this Privacy Statement to explain how we may collect, retain, process, share and transfer your personal data when you visit our Site/App or use our services. This Privacy Statement applies to your Personal Data when you visit Site/App or use Services. This Privacy Statement is designed to help you obtain information about our privacy practices and to help you understand your privacy choices when you use our Site/App and Services.

We have defined some terms that we use throughout the Privacy Statement.  You can find the meaning of a capitalized term in the Definitions section.

Please contact us if you have questions about our privacy practices that are not addressed in this Privacy Statement.

2. What Personal Data Do We Collect?

We may collect information about you when you visit our Site/App or use our Services, including the following:

  • Registration and use information – When you register to use our Services by establishing an Account, we will collect Personal Data as necessary to offer and fulfill the Services you request.  Depending on the Services you choose, we may require you to provide us with your name, phone number, e-mail address and identification information to establish an Account.  We may require you to provide us with additional Personal Data as you use our Services.
  • Transaction and experience information – When you use our Services or access our Site/App, for example, to receive money, to process payments, or to send money to friends and family, we collect information about the transaction, as well as other information associated with the transaction such as amount sent or requested.
  • Participant information – When you use our Services or access our Site/App, we collect Personal Data you provide us about the other participants associated with the transaction.
    • Send or request money:  When you send or request money through Pesajet, we collect Personal Data such as name, telephone number, and financial account information about the participant who is receiving money from you or sending money to you.  The extent of Personal Data required about a participant may vary depending on the Services you are using to send or request money.  
    • Pay or request or request a loan:  If you use our Services to pay or request a loan, we collect Personal Data from you about the account holder such as name, telephone number, email address, and account (mobile money) number that you intend to pay. 
  • Other information we collect related to your use of our Site/App or Services – We may collect additional information from or about you when you communicate with us, contact our customer support teams or respond to a survey.

3. Why Do We Retain Personal Data?

We retain Personal Data to fulfill our legal or regulatory obligations and for our business purposes.  We may retain Personal Data for longer periods than required by law if it is in our legitimate business interests and not prohibited by law.  If your Account is closed, we may take steps to mask Personal Data and other information, but we reserve our ability to retain and access the data for so long as required to comply with applicable laws.  We will continue to use and disclose such Personal Data in accordance with this Privacy Statement.

4. How Do We Process Personal Data?

We may process your information for the following reasons:

  • To operate the Site/App and provide the Services, including to:
    • initiate a payment, send or request money, or pay utilities
    • authenticate your access to an Account;
    • communicate with you about your Account.
    • perform creditworthiness and other financial standing checks, evaluate applications, and compare information for accuracy and verification purposes.
    • keep your Account and financial information up to date.
  • To manage our business needs, such as monitoring, analyzing, and improving the Services and the Site/App’ performance and functionality.  For example, we analyze User behavior and perform research about the way you use our Services.
  • To manage risk and protect the Site/App, the Services and you from fraud by verifying your identity. Pesajet risk and fraud tools use Personal DataDevice InformationTechnical Usage Data and Geolocation Information from our Site/App and webSite/App that offer Pesajet Services to help detect and prevent fraud and abuse of the Services.
  • To comply with our obligations and to enforce the terms of our Site/App and Services, including to comply with all applicable laws and regulations.
  • To respond to your requests, for example to contact you about a question you submitted to our customer service team.

5. Do We Share Personal Data?

We may share your Personal Data or other information about you with others in a variety of ways as described in this section of the Privacy Statement. 

We may share your Personal Data or other information for the following reasons:

With other members of the Pesajet corporate family: We may share your Personal Data with members of the Pesajet family of entities to, among other things, provide the Services you have requested or authorized; to manage risk; to help detect and prevent potentially illegal and fraudulent acts and other violations of our policies and agreements; and to help us manage the availability and connectivity of Pesajet products, Services, and communications.

With other companies that provide services to us: We may share Personal Data with third-party service providers that perform services and functions at our direction and on our behalf. These third-party service providers may, for example, provide you with Services, verify your identity, assist in processing transactions, or provide customer support. 

With other financial institutions: We may share Personal Data with other financial institutions that we have partnered with to jointly create and offer a product, such as with Mobile Network Operators and Banks.  These financial institutions may only use this information to offer Pesajet related products, unless you have given consent for other uses. We may also share Personal Data to process transactions, and keep your financial information up to date.

With the other parties to transactions when you use the Services, such as other Users, merchants, and their service providers: We may share information about you and your account with the other parties involved in processing your transactions. This includes other Users you are sending or receiving funds from merchants, and  their service providers when you use the Services to pay for goods or services. The information includes:

  • Personal Data and Account information necessary to facilitate the transaction;
  • information to help other participant(s) resolve disputes and detect and prevent fraud; and
  • aggregated data and performance analytics to help merchants better understand Users and to help merchants enhance Users’ experiences. 

With other third parties for our business purposes or as permitted or required by law: We may share information about you with other parties for Pesajet’s business purposes or as permitted or required by law, including:

  • if we need to do so to comply with a law, legal process or regulations;
  • law enforcement, regulators, government officials, in relation to a subpoena, court order, or other legal process or requirement under law or regulation, or the laws and regulations of other jurisdictions that are applicable to Pesajet or one of its affiliates; when we need to do so to comply with such law or when we believe, in our sole discretion, that the disclosure of Personal Data is necessary or appropriate to prevent physical harm or financial loss; or to report suspected illegal activity or to investigate violations of a user agreement;
  • to protect the vital interests of a person;
  • to protect our property, Services and legal rights.
  • to help assess and manage risk and prevent fraud against us, our Users and fraud involving our Site/App or use of our Services.
  • to companies that we plan to merge with or be acquired by; and
  • to support our audit, compliance, and corporate governance functions.

With your consent: We also will share your Personal Data and other information with your consent or direction. 

8. What Privacy Choices Are Available To You?

You have choices when it comes to the privacy practices and communications described in this Privacy Statement. Many of your choices may be explained at the time you sign up for or use a Service or in the context of your use of a Site/App. You may be provided with instructions and prompts within the experiences as you navigate the Services.  

  • Choices Relating to the Personal Data We Collect
    • Personal Data. You may decline to provide Personal Data when it is requested by Pesajet, but certain Services or all of the Services may be unavailable to you. 
       
         
  • Choices Relating to Your Registration and Account Information
    • If you have an Account, you generally may review and edit Personal Data by logging in and updating the information directly or by contacting us. Contact us if you do not have an Account or if you have questions about your Account information or other Personal Data.
       
  • Choices Relating to Communication
    • Notices, Alerts and Updates from Us:  
      • Informational and Other: We will send communications to you that are required or necessary to send to Users of our Services, notifications that contain important information and other communications that you request from us. You may not opt out of receiving these communications.  However, you may be able to adjust the media and format through which you receive these notices.

9. How Do We Protect Your Personal Data?

We maintain technical, physical, and administrative security measures designed to provide reasonable protection for your Personal Data against loss, misuse, unauthorized access, disclosure, and alteration. The security measures include firewalls, data encryption, physical access controls to our data centers, and information access authorization controls.  While we are dedicated to securing our systems and Services, you are responsible for securing and maintaining the privacy of your password(s) and Account/profile registration information and verifying that the Personal Data we maintain about you is accurate and current.  

10. Can Children Use Our Services?

The Site/App and Services are not directed to children under the age of 13.  We do not knowingly collect information, including Personal Data, from children or other individuals who are not legally able to use our Site/App and Services. If we obtain actual knowledge that we have collected Personal Data from a child under the age of 13, we will promptly delete it, unless we are legally obligated to retain such data. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 13.

11. What Else Should You Know?

Changes to This Privacy Statement

We may revise this Privacy Statement from time to time to reflect changes to our business, the Site/App or Services, or applicable laws.  The revised Privacy Statement will be effective as of the published effective date. 

If the revised version includes a substantial change, we will provide you with 30 days prior notice by posting notice of the change on the “Policy Update” page of our webSite/App.  We also may notify Users of the change using email or other means. 

12. Contact Us

You may contact us if you have general questions about our Privacy Statement and practices or questions about your Account information or Personal Data. 

13. Definitions

Account means a Pesajet member account.

Pesajet means Pesajet.com and subsidiaries or affiliates.  In this Privacy Statement, Pesajet is sometimes referred to as “we,” “us,” or “our,” depending on the context.

Personal Data means personal information that can be associated with an identified or identifiable person.  “Personal Data” can include name, telephone number, email address, other financial account information, account number, date of birth, and government-issued credentials (e.g., driver’s license number, national ID, passport, Social Security number and Taxpayer ID).  Personal Data does not include information that does not identify a specific User.

Process means any method or way that we handle Personal Data or sets of Personal Data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, and consultation, disclosure by transmission, disseminating or otherwise making available, alignment or combination, restriction, erasure or destruction of Personal Data.

Services means any products, services, content, features, technologies, or functions, and all related webSite/App, applications and services offered to you by Pesajet.

Site/App means the webSite/App, mobile apps, official social media platforms, or other online properties through which Pesajet offers the Services and which has posted or linked to this Privacy Statement.

Technical Usage Data means information we collect from your phone, computer or other device that you use to access the Site/App or Services. 

User means an individual who uses the Services or accesses the Site/App.

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