1. Introduction
PigaPay ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our payment gateway services, website, and mobile applications.
By using PigaPay, you agree to the collection and use of information in accordance with this policy. We take your privacy seriously and are dedicated to maintaining the confidentiality and security of your personal data.
2. Information We Collect
2.1 Personal Information
We collect personal information that you voluntarily provide to us when you:
- Create an account or register for our services
- Make a payment or process transactions
- Contact our support team
- Subscribe to our newsletters or updates
- Participate in surveys or promotions
This information may include:
- Full name and contact details (email, phone number, address)
- Business information (business name, registration number, TIN)
- Identification documents (NIDA NIN, ID cards)
- Payment and transaction history
- Bank account and mobile money details
2.2 Automatically Collected Information
We automatically collect certain information when you visit our website or use our services:
- IP address and device information
- Browser type and version
- Pages visited and time spent
- Cookies and usage data
3. How We Use Your Information
We use your personal information for the following purposes:
- Providing Services: To process payments, manage transactions, and provide customer support.
- Security: To detect and prevent fraud, money laundering, and other illegal activities.
- Communication: To send you important updates, notifications, and promotional materials.
- Improvement: To analyze usage patterns and improve our services and user experience.
- Compliance: To comply with legal and regulatory requirements.
4. How We Share Your Information
We do not sell your personal information to third parties. However, we may share your information in the following situations:
- Service Providers: With trusted third-party partners who assist us in providing our services (payment processing, hosting, analytics).
- Legal Compliance: When required by law, court order, or government regulation.
- Business Transfers: In the event of a merger, acquisition, or sale of assets.
- With Your Consent: With your explicit consent for specific purposes.
5. Data Security
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:
- 256-bit SSL encryption for all data transmissions
- Regular security audits and vulnerability assessments
- Access controls and authentication mechanisms
- Data backup and disaster recovery procedures
- Employee training on data protection and privacy
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. We will securely delete or anonymize your information when it is no longer needed.
7. Your Rights
Under applicable data protection laws, you have the following rights:
- Access: Request access to your personal information.
- Rectification: Request correction of inaccurate or incomplete data.
- Erasure: Request deletion of your personal data.
- Restriction: Request restriction of processing your data.
- Portability: Request transfer of your data to another controller.
- Objection: Object to the processing of your data.
To exercise any of these rights, please contact us at privacy@pigapay.com.
8. Cookies
We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device that help us remember your preferences and analyze website usage. You can control cookie settings through your browser preferences.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these websites. We encourage you to review the privacy policies of any third-party sites you visit.
10. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
- Email: privacy@pigapay.com
- Phone: +255 678 520 538
- Address: Dar es Salaam, Tanzania