PRIVACY POLICY

By accessing and using our Services, you signify acceptance to the terms of this Privacy Policy. Where we require your consent to process your personal information, we will ask for your consent to the collection, use, and disclosure of your personal information as described further below. If you do not agree with or are not comfortable with any aspect of this Privacy Policy, you should immediately discontinue access or use of our Services.

CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this Privacy Policy at any time without prior notification.

THE PERSONAL INFORMATION WE COLLECT

SenexPay collects your personal information in order to provide and continually improve our products and services.

Personal information is data that can be used to identify you directly or indirectly, or to contact you. Our Privacy Policy coversall personal information that you voluntarily submit to us and that we obtain from our partners. This Privacy Policy does not apply to anonymised data, as it cannot be used to identify you. You may be asked to provide personal information anytime you are in contact with SenexPay . Except as described in this Privacy Policy, SenexPay will not give, sell, rent or loan any personal Information to any third party.

Here are the types of personal information we collect: Information you give us: we receive and store any information you provide in relation to SenexPay’s services. This is either required by law or relevant for specified purposes. You can choose not to provide certain information you are not comfortable with but then you might not be able to use some of our services. Examples of information that you give us include: Full name, date of birth, age, nationality, gender, signature, utility bills, photographs, phone number, home address, and/or email,Tax ID number, passport number, driver’s licence details, national identity card details, photograph identification cards, and/or visa information.

Automatically-collected information: we automatically collect and store certain types of information about your use of SenexPay Services including your interaction with content and services available through Senex Services. Like many websites, we use cookies and other unique identifiers and we obtain certain types of information when your web browser or device accesses SenexPay’s Services,the Internet protocol (IP) address used to connect your computer to the Internet, login e-mail address and password, and location of your device or computer; SenexPay Services metrics (e.g., the occurrences of technical errors, your interactions with service features and content, and your settings preferences); version and time zone settings; transaction history.

Information from other sources: we may receive information about you from other sources such as credit history information from credit bureaus, which we use to help prevent and detect fraud.

Financial Information: Bank account information, payment card primary account number (PAN), transaction history, trading data, and/or tax identification.

Transaction Information: Information about the transactions you make on our Services, such as the name of the recipient, your name, the amount, and/or timestamp.

Employment Information: Office location, job title, and/or description of role. Online Identifiers:Geo location/tracking details,browser fingerprint, OS, browser name and version, and/or personal IP addresses.

Usage Data: Survey responses, information provided to our support team, public social networking posts, authentication data, security questions, user ID, click-stream data and other data collected via cookies and similar technologies. Please read our Cookie Policy for more information.

HOW YOUR PERSONAL INFORMATION IS USED

The primary purpose of collecting personal information is to provide you with a secure, smooth, efficient, and customised experience. We Process your personal information to operate, provide, and improve the Services that we offer our users. These purposes include:

Transaction services. We use your personal information to take and handle orders, process payments, and communicate with you about orders and services, and promotional offers.

Provide, troubleshoot, and improve Services. We use your personal information to provide functionality, analyse performance, fix errors,and improve the usability and effectiveness of our Services.

Recommendations and personalisation. We use your personal information to recommend features and services that might be of interest to you, identify your preferences, and personalise your experience with our Services.

Comply with legal obligations. In certain cases, we collect and use your personal information to comply with laws and regulations. For Instance, we collect bank account information for identity verification and other purposes.

Communicate with you. We use your personal information to communicate with you in relation to our Services.

Fraud prevention and credit risks. We process personal information to prevent and detect fraud and abuse in order to protect the security of our users, our Services and others. We may also use scoring methods to assess and manage credit risks.

Purposes for which we seek your consent. We may also ask for your consent to process your personal information for a specific purpose that we communicate to you. When you consent to our processing your personal information for a specified purpose, you may withdraw your consent at any time and we will stop processing your data for that purpose.

HOW WE SHARE YOUR PERSONAL DATA

Information about our users is an important part of our business and we are not in the business of selling our users' personal information to others. SenexPay shares users' personal information only as described below and with the subsidiaries or affiliates of SenexPay that are either subject to this Privacy Notice or follow practices at least as protective as those described in this Privacy Notice.

We share you personal data with:
Senex Pay Operators; These includes any person that works for us or for one of our group companies; Any entity that forms part of SenexPay, including where relevant the SenexPay operating entity in the country or region in which you live;

Third party service providers: We employ other companies and individuals to perform functions on our behalf. Examples include analysing data, providing marketing assistance, processing payments, transmitting content, and assessing and managing credit risk. These Third-party service providers have access to personal information needed to perform their functions, but may not use it for other purposes. Further, they must process the personal information in accordance with this Privacy Notice and as only permitted by applicable data protection laws. Some of these providers include

1. Cloudinary

   We use a Content Delivery Network (CDN) of Cloudinary Ltd. A CDN is an online service that is used in particular to load large media files (such as graphics, page content or scripts) through a network of regionally distributed servers connected via the Internet and display them on our Website. The use of the CDN helps us to optimize the loading speeds of our Website.

   Resources from cloudinary usually start with https://res.cloudinary.com

2. SmileIdentity

   It is an onboarding, identity verification, user authentication, and digital KYC platform. KYC means Know your customer. This platform is used to verify users through various identification verification methods.

3. Termii

   This is a platform that helps businesses use messaging channels to verify and authenticate customer transactions. We use the messaging feature of this platform to collect users phone numbers and send them a verification code for validation.

Business transfers: As we continue to develop our business, we might sell or buy other businesses or services. In such transactions, user information generally is one of the transferred business assets but remains subject to the promises made in any pre-existing Privacy Notice (unless, of course, the user consents otherwise).

Protection of SenexPay and others: We release accounts and other personal information when we believe release is appropriate to comply with the law or with our regulatory obligations; enforce or apply ourTerms of Use and other agreements; or protect the rights, property or safety of SenexPay, our users or others. This includes exchanging information with other companies and organisations for fraud protection and credit risk reduction.

HOW WE PROTECT AND STORE PERSONAL INFORMATION

Our systems are designed with your security and privacy in mind.

We protect your personal information by maintaining physical, electronic, and procedural safeguards in compliance with the applicable laws and regulations.For example, we use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorise access to personal information only for those employees who require it to fulfil their job responsibilities. Full credit card data is securely transferred and hosted off-site by a payment vendor in compliance with Payment Card Industry Data Security Standards (PCI DSS). This Information is not accessible to SenexPay or SenexPay staff.

While we cannot guarantee that loss, misuse, unauthorised acquisition,or alteration of your data will not occur. Please recognise that you play a vital role in protecting your own personal information. When Registering with our Services, it is important to choose a password of sufficient length and complexity, to not reveal this password to any third-parties, and to immediately notify us if you become aware of any unauthorised access to or use of your account.

Furthermore, we cannot ensure or warrant the security or confidentiality of information you transmit to us or receive from us by Internet or wireless connection, including email, phone, or SMS,since we have no way of protecting that information once it leaves and until it reaches us. If you have reason to believe that your data is no longer secure, please contact us immediately

HOW YOU CAN ACCESS OR CHANGE YOUR PERSONAL INFORMATION

You can access your information, including your name, address, payment options, profile information, and transaction history in the "Your Account" section of the website. You are also entitled to review, correct, or amend your personal information, or to delete where it is inaccurate. You may do this at any time by contacting us.
If you close your SenexPay Account, we will mark your account in our database as "Closed," but will keep your account information in our database for a period of time described above. This is necessary inorder to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account.

However, if you close your account, your personal information will not be used by us for any other purpose, or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law, or in accordance with this Privacy Policy.

RIGHTS IN RELATION TO THE USE OF YOUR PERSONAL INFORMATION

Rights of access, correction and deletion
You have a right of access to the personal information that we hold about you under European data protection legislation, and to some related information. You can also require any inaccurate personal information to be corrected or deleted.

RETENTION OF PERSONAL INFORMATION

We store your personal information securely throughout the life of your SenexPay Account. We will only retain your personal information for as long as necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting obligations or to resolve disputes. While Retention requirements vary by jurisdiction, information about our typical retention periods for different aspects of your personal information are described below.

Contact Information such as your name, email address and telephone number for marketing purposes is retained on an ongoing basis until you unsubscribe. Thereafter we will add your details to our suppression list indefinitely.

Content that you post on our website such as support desk comments,photographs, videos, blog posts, and other content may be kept indefinitely after you close your account for audit and crime prevention purposes.

Recording of our telephone calls with you may be kept for a period of up to six years. Information collected via technical means such as cookies, web page counters and other analytics tools is kept for a period of up to one year from expiry of the cookie.

CHILDREN'S PERSONAL INFORMATION

We do not knowingly request to collect personal information from a person under the age of 18. If a user submitting personal information is suspected of being younger than 18 years of age, SenexPay will require the user to close his or her account and will not allow the user to continue transacting digital currencies using our platform.

We will also take steps to delete the information as soon as possible.Please notify us if you know of any individuals under the age of 18 using our Services so we can take action to prevent access to our Services.

GLOBAL COMPANY

The personal data we collect 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, data 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 data 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 accepting this Privacy Policy, and then submitting your personal data, you agree to the transfer, storing or processing of it outside of your jurisdiction.