Privacy Policy

At FlexiPay, our affiliates and subsidiaries, our number one priority is our relationship with you and we are committed to protecting any personal information we maintain about you. Establishing an effective Privacy Policy, designed to protect your information and provide you with choices on how you would like your information managed, is an important part of our relationship with you. 

 

Privacy Notice

 

Our Privacy Notice explains the type of information we may collect from you, the situations in which we may share information about you, and what you can do to limit the sharing of information. 

 

Online Privacy Practices
 
FlexiPay, our affiliates and subsidiaries value your trust and respect your expectation of privacy. As such, we are committed to maintaining the confidentiality of your personal information.

  
This document outlines our privacy practices for visitors to this website and users of our products and services, regardless of the application used for access.

Information Collection and Usage
 
All persons whose personal information is collected/received/possessed/stored or handled by the usage of the Flexipay who use the Application are covered under this policy. The personal information received shall not be shared with third parties except as ordered by a court of competent jurisdiction, a regulatory or authorized governmental body. We may use the information provided to us by you or through the Application to facilitate our Service and other everyday purposes, such as to maintain your ability to access the Service, send you information about the Service, to effect, administer and enforce transactions, to perform fraud screening, to prevent actual or potential fraud and unauthorized transactions, to verify your identity, to respond to legal requirements. The personal information received shall not be shared with third parties except as ordered by a court of competent jurisdiction, a regulatory or authorized governmental body.

  
The information we may collect includes those from your Application settings, Contact information, Location, Camera, Phonebook Contact Lists (including during account registration) (sometimes during account registration), Photos, and Biometrics.

  
We value your trust in providing us with your Personal Information and strive to use commercially and legally acceptable means of protecting the information. However, protecting your own device is essential. You understand you must protect or lock your mobile device to protect against unauthorized use of the Flexipay Mobile Application.

  
We may also share non-personal information, such as user statistics (e.g., number of downloads and registrations, most popular merchants), demographic information, and usage information, with third parties for marketing or analytical purposes.

  
We do not share your personal information with advertising networks, carriers, consumer data resellers, or data analytics providers other than independent collection by those third parties described above, operating systems and platforms, other applications, or social networks.

  
Visitors to this Website. 

 

As a visitor to this website, you remain anonymous, unless you are registered to use the website's services or otherwise choose to disclose your identity to us. Although we do not collect personal information that identifies people who simply visit this site, we may collect certain limited information about our visitors, such as their IP address (a numeric address assigned automatically to computers and mobile devices when they access the Internet). 
  
Cookies. 

 

We may place "cookies" on a computer or other device type to track a visitor's use of this site. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our site and make its navigation easier for you. You can set your web browser to inform you when cookies are placed on your computer or to prevent them from being placed. However, if you choose to prevent cookies from being placed, some of the website functions may not work properly on your computer or mobile device.

 

Unless you are registered to use the services on this website, the cookies do not provide us with any personally identifying information about you, such as your name, address or login information. 

We may use web analytics tools to collect anonymous information about pages visited, links that are clicked, and other information about the use of our website. We may use this information in aggregate to better understand site activity, and to improve our services. 
  
Web Browser 'Do Not Track' Signals.

 

We do not respond to Web browser 'do not track' signals at this time because we do not allow third parties to collect personally identifiable information of visitors to our website to track their online activities.   
  
Social Media. 

 

When you engage with FlexiPay on our official social media pages, you make certain information from your social media profile, postings, interactions, etc. available to FlexiPay and other participants in these platforms. You can control what data you share, and with whom, through the privacy settings on these social media sites. Any information you share or interaction you may have while participating is subject to the privacy policies and terms of use of those sites. 
  
Services and Advertisements by Third Parties.

We may use third parties to provide services on our behalf, such as website analytics, hosting of microsites, or social media moderation services. These third parties are contractually obligated to comply with FlexiPay privacy and security standards and are limited in their use of any information collected on our behalf. 

 

Information

 

We receive and may store any information you enter on our websites or provide through our mobile applications. For example, we collect information from you when you create an account, place an order or use any of our services. The information we collect from you includes things like:

         Your name

         Your phone number

         Your e-mail address

         Your Location

 

We may also collect information from or about you from other sources, such as through your contact with us, including our customer support team, your results when you respond to surveys, your interactions with members of FlexiPay or our affiliate companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole).

Additionally, for quality and training purposes or for our own protection, FlexiPay may monitor or record any communications with you or anyone acting on your behalf.

When you access FlexiPay Webpages, our servers automatically record information that your browser sends to us. These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.

When you use FlexiPay to conduct a transaction, we collect information about each transaction, including but not limited to the transaction amount, payment recipient name and contact details where applicable.

Data Integrity

 

We process personal information only for the purposes for which it was collected and in accordance with this Privacy Policy or any applicable service-specific privacy notice. We review our data collection, storage and processing practices to ensure that we only collect, store and process the personal information needed to provide or improve our services or as otherwise permitted under this Policy. We take reasonable steps to ensure that the personal information we process is accurate, complete, and current, but we depend on our users to update or correct their personal information whenever necessary.

 

Security

 

We take appropriate security measures to protect your data against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical and technical security measures to guard against unauthorized access to systems where we store personal data. For example, your email address will always be stored in an encrypted form (except when you provide it to us in a communication outside of our web page or mobile app interface). The security of your account also depends on keeping your account password confidential, and you should not share your account name or password with anyone. If you do share your account information with a third party, they will have access to your account and your personal information.

 

Information Sharing

 

We will not sell or rent your personal information to companies or individuals outside of FlexiPay. If you are making a purchase with FlexiPay, we will not share any of the personal information you provided us during registration of your account; except in the limited circumstances described below.

 

In addition, we will only share your personal information with other companies or individuals outside of FlexiPay in the following circumstances:

1 As necessary to process your FlexiPay & banking transactions and maintain your account. As with any financial institution, if you process a transaction through our service, we need to share some information (for example, your business and account number) with our partner banks and the Bank of Ghana. Some sellers may require that their buyers provide a contact information (for example, a telephone number) in order to process a transaction. In those cases, the merchant will specifically request that information from you from their website before or after your FlexiPay transaction.

 

2 To detect, prevent, or otherwise address fraud, security or technical issues,

 

By registering for our services, we have your consent to use your personal information whilst trying to address fraud, security or technical issues.

 

We may 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 in compliance with this Policy and any other appropriate confidentiality and security measures.

 

We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to:

 

a) Satisfy any applicable law, regulation, legal process or enforceable governmental request,

 

b) Enforce applicable Terms of Service including investigation of potential violations thereof,

 

c) Detect, prevent, or otherwise address fraud, security or technical issues.

 

If FlexiPay or its subsidiaries become involved in a merger, acquisition, or any form of sale of some or all of our assets, we will provide notice before personal information is transferred and becomes subject to a different privacy policy.

Changes to This Information. 

 

We may amend (add to or change) this information from time to time by posting a notice of the change at this site. Your continued use of our site or any online service following notification will constitute your agreement to any changes.