Who we are
Our website address is: https://processpay.org
INTRODUCTION
ProcessPay (“ProcessPay”) is a Botswanan company which provides payment services, technology integration and payment infrastructure to merchants across various sectors. ProcessPay has developed a cloud-based end-to-end digital payment platform designed to manage payments risks and settlement, while connecting directly to any local and international card schemes and bank accounts in Botswana and enabling users to accept and process payments via web, mobile and point of sale (“POS”).
This Policy describes the merchant privacy rights regarding how and when we collect, use, store, share and protect merchant information across our website, payment platforms (“Platforms”), APIs, Software Applications, (“Apps”), email notifications and tools regardless of how you use or access them.
This Policy is applicable to all of the Website, software applications and/or payment platforms offered by ProcessPay across all our markets globally.
The privacy of our Users is important to us and we are committed to safeguarding it. Hence, this Policy explains your Personal Information which we collect, why we collect it, and what we do with it.
This Policy applies to ProcessPay only. We do not exercise control over the sites displayed or linked from within our various services. These other sites may place their own cookies, plug-ins or other files on your computer, collect data or solicit personal information from you. ProcessPay does not control these third-party websites and we are not responsible for their privacy statements. Please consult such third parties’ privacy statements.
For any access request, questions, or inquiries about how we use your Personal Information, please contact us at info@processpay.org
DATA ACQUISITION AND STORAGE PROCEDURES.
The Personal Information we have about you is directly made available to us when you:
• Sign up for a ProcessPay Account;
• Use any of our services;
• Contact our customer support team;
• Fill our online forms;
• Contact us;
Categories of personal Information we may collect:
• Financial Data: Information, such as personal account number, the merchant’s name and location, the date and the total amount of transaction, and other information provided by financial institutions or merchants when we act on their behalf;
• Identity Data: Information such as, your full name(s), your government-issued identity number, bank verification number (BVN) and your date of birth. This data is to enable us to verify your identity in order to offer our services to you;
• Contact Data: This is data that is needed to reach out to you, such as your contact address, email address, telephone number, details of the device you use and billing details;
• Identification documents: (such as your passport or any Government-issued identity card), a photograph (if applicable) and any other registration information you may provide to prove you are eligible to use our services;
• Log/Technical information: When you access ProcessPay Platform, our servers automatically record information that your browser sends whenever you visit a website, links you have clicked on, length of visit on certain pages, unique device identifier, log-in information, location and other device details.
• Transactional Data: These are information relating to a payment when you as a merchant (using one or more of our payment processing services) or as a customer, are using our products or services;
• Marketing and Communications Data: This includes both a record of your decision to subscribe or to withdraw from receiving marketing materials from us or from our third parties.
• Records of your communication with us, if we contact you and if you contact us.
We may also collect, store, use and transfer non-personal information or anonymized data such as statistical or demographic data.
As a principle, we do not collect any Special Categories of Personal Information. If we do collect Special Categories of Personal Information, we will ensure compliance with applicable law.
The lawful basis we rely on for processing your Personal Information are:
• Your Consent: Where you agree to us collecting your Personal Information by using our Services.
• We have a contractual obligation: Without your Personal Information, we cannot provide our Services to you.
• We have a legal obligation: To ensure we are fully compliant with all applicable Financial legislators such as Anti-Money Laundering and Counter Terrorist Financing Laws, we must collect and store your Personal Information. We mitigate against fraud by checking your identity with your Personal Information.
HOW WE USE MERCHANT INFORMATION
We may use your Personal Information we collect to:
• Create and manage any accounts you may have with us, verify your identity, provide our services, and respond to your inquiries;
• Process your payment transactions (including authorization, clearing, chargebacks and other related dispute resolution activities);
• Protect against and prevent fraud, unauthorized transactions, claims and other liabilities;
• Provide, administer and communicate with you about products, services, offers, programs and promotions of ProcessPay and partners;
• Evaluate and improve our business, including developing new products and services;
• To target advertisements, newsletter and service updates;
• As necessary to establish, exercise and defend legal rights;
• As may be required by applicable laws and regulations, including for compliance with Know Your Customers and risk assessment, Anti-Money Laundering, anti-corruption and sanctions screening requirements, or as requested by any judicial process, law enforcement or governmental agency having or claiming jurisdiction over ProcessPay
• To use data analytics to improve our Website, products or services, and user experiences.
• For other purposes for which we provide specific notice at the time of collection.
DATA SECURITY AND RETENTION CONTROLS
The security of your Personal Information is important to ProcessPay . We are committed to protecting the information we collect. We maintain administrative, technical and physical controls designed to protect the Personal Information you provide, or we collect against loss or theft, as well as against any unauthorized access, risk of loss, disclosure, copying, misuse or modification.
Other security measures include but not limited to, secure servers, firewall, data encryption and granting access only to employees in order to fulfil their job responsibilities.
Where you use a password for any of your Accounts, please ensure you do not share this with anyone, and the password is kept confidential at all times.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of your Personal Information is protected and maintained. Transmitting information online is not entirely secure. As such, we cannot guarantee that all information provided online is secure. We would take all reasonable steps to ensure that your Personal Information is secured and well protected.
We will only retain personal information on our servers for as long as is reasonably necessary as long as we are providing Services to you. Where you close your Account, your information is stored on our servers to the extent necessary to comply with regulatory obligations and for the purpose of fraud monitoring, detection and prevention. Where we retain your Personal Data, we do so in compliance with limitation periods under the applicable law.
DISCLOSURE OF PERSONAL INFORMATION
We may disclose or share your Personal Information with third parties which include our affiliates, employees, officers, service providers, agents, suppliers, subcontractors as may be reasonably necessary for the purposes set out in this policy.
ProcessPay only shares personal information with External Third parties in the following limited circumstances:
• We have your consent. We require opt-in consent for the sharing of any personal information; We share Personal Information with third parties directly authorized by you to receive Personal Information, such as when you authorize a third-party application provider to access your account. The use of your Personal Information by an authorized third party is subject to the third party’s privacy policy and ProcessPay shall bear no liability for any breach which may arise from such authorization by you.
• We provide such information to our subsidiaries, affiliated companies or other trusted businesses or persons for the purpose of processing personal information on our behalf. We require that these parties agree to process such information based on our instructions and incompliance with this Privacy Policy and any other appropriate confidentiality and security measures
MARKETING AND ADVERTISEMENT
ProcessPay may process your Personal Information in order to contact you or send you marketing content and communication about our products, services or surveys. You may exercise your right to object to such contact from us or opt out from the marketing content. Please note however that if you opt-out of marketing content, we may still send you messages relating to transactions and our Services related to our ongoing business relationship.
We may ask you for permission to send notifications to you. Our Services will still work if you do not grant us consent to send you notifications.
MERCHANT DATA PROTECTION RIGHTS
Based on your location and applicable laws, below are the rights you have as a user in relation to your Personal Information:
• Right to be informed
• Right to request access or copies to your Personal Information by signing into your Account or contacting us
• Right to request that ProcessPay erase your Personal Information. You have the right to ask us to erase your Personal Information. Please note that this is a limited right which applies where the data is no longer required, or the processing has no legal justification. The exceptions to this right are where the applicable law requires ProcessPay to retain a historical archive or where we retain a core set of your personal data to ensure we do not inadvertently contact you in future where you object to your data being used for marketing purposes.
• Right to correct or rectify any Personal Information that you provide which may be incorrect, out of date or inaccurate. You also have the right to ask us to complete information you think is incomplete.
• Right to object to the processing of your Personal Information for marketing purposes. You have a right to ask us not to contact you for marketing purposes by adjusting your notification preference on the settings page or by opting out via the unsubscribe link in marketing emails we send you.
• Right to object to processing: You have the right to object to the processing of your Personal Information in certain circumstances. Please note that where you object to us processing your Personal Information, we might be unable to provide the services to you.
• To target advertisements, newsletter and service updates;
• As necessary to establish, exercise and defend legal rights;
• As may be required by applicable laws and regulations, including for compliance with Know Your Customers and risk assessment, Anti-Money Laundering, anti-corruption and sanctions screening requirements, or as requested by any judicial process, law enforcement or governmental agency having or claiming jurisdiction over ProcessPay.
• To use data analytics to improve our Website, products or services, and user experiences.
• For other purposes for which we provide specific notice at the time of collection.
The basis of ProcessPay processing your Personal Information is your consent. You also have the choice at any time to withdraw consent which you have provided.
The merchant also has a choice to deactivate their Account at any time. You may contact us should you wish to de-activate your account by sending an email to info@processpay.org.
We may request additional details from you regarding your complaints and keep records of your requests and resolution.
REVIEW.
This Policy will be reviewed in line with updates to the relevant laws and regulations, company policy and in the event of any material change in circumstances.
Disclosure Without Consent
Exceptional circumstances might override the duty to maintain confidentiality. Where possible, we will inform the patient of requests to share personal information. The decision to disclose information must only be taken by senior staff. Examples include:
- situations where there is a serious public risk;
- when information is required by the police to prevent or detect crime or to apprehend or prosecute offenders (if not providing the information would prejudice these purposes);
- in response to a court order;