Paga - Send Money, Pay Bills, Receive Payments - Easy, Quick and Secure
1.1. Protection of Privacy

Paga recognises the importance of protecting the privacy of all information provided by users of our platform. This statement is meant to affirm our utmost respect for your rights to privacy.

1.2. The Information we Collect

To access the Paga Services and for optimal use of this application/website, we collect personally identifiable Information which you voluntarily provide to us.

Personally identifiable information refers to the personal information you submit, when you sign up or any information that can be used to identify or contact you (e.g. email address, password, name, address, telephone number, business name, camera sensor data, bank details, and other unique identifiers including but not limited to MAC address, IP address. IMEI number, IMSI number, SIM and others). For ease of transacting, we may also collect your contact details, only if your permission to do so is granted.

We also collect non-personally identifiable information including but not limited to dynamic IP address, geolocation data, screen size and cookies data. We use technical methods to collect and store personal information such as cookies, JWT, web beacons etc. We will not share or disclose this information with third parties except as a necessary part of providing our website and services.

1.3. Uses of Information
We use your personally identifiable information to:
  • - provide our services and supporting customer support
  • - profile Paga users and administer Paga pre-paid accounts
  • - resolve disputes, collect fees and troubleshoot problems
  • - prevent potentially prohibited or illegal activities and enforce our User Agreement
  • - customise, measure and improve our services
  • - customise and improve the layout of our website
  • - compare information for accuracy and verify with third parties
  • - update our databases and provide user support
  • - provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about.

We may retrieve Personal Information about you from third parties and other identification/verification services such as your financial Institution, payment processor and verification services. With your consent, we may also collect additional Personal Information in other ways including emails, surveys, and other forms of communication. Once you begin using our services through your Paga account, we will keep records of your transactions and collect information of your other activities related to our services. We will not share or disclose your Personal Information with a third party without your consent. We will not use your information or seek your consent to use your information for the propagation of atrocities, hate, child rights violation, criminal acts and anti-social conducts.

1.4. Sharing of Information

Paga assures you that it shall only obtain your data with your consent and that your data shall only be used for the purpose for which it was obtained. Paga may share your data only with your consent with third party service providers and the purpose for sharing your data will be disclosed to you at any such time. Save as provided hereunder, Paga does not share your personal information with unauthorized persons and adequate safeguards have been put in place to prevent unauthorized access and to ensure confidentiality of your personal information. Our website may contain third-party links or links to other websites. Please be advised that we are not responsible for the privacy practices or contents of these sites and shall not be responsible for your use of such websites. We encourage our users to be aware of when they leave our website and to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site before disclosing any personal information to them. Paga will not accept any responsibility for any loss or damage in whatever manner resulting from your disclosure of your personal information to third parties.

1.5. Acknowledgment

You acknowledge that by using the Paga services, some of your personal information will be passed on to any person whom you receive Paga money from, or send Paga money to, and will be available to any third party involved in the operation of the service including without limitation, Paga Agents and partner banks.

1.6. Account Monitoring

You accept that Paga shall have the right to monitor your account usage and if required, will disclose personal information to local enforcement or investigative agencies or any competent regulatory or governmental agencies to assist in the prevention, detection or prosecution of money laundering activities, fraud or criminal activities.

1.7. Paga Employee Obligation

Paga employees who handle personal information are under an obligation to treat it confidentially and may not disclose it to third parties. Paga employees are also responsible for the internal security of the information. Employees who violate Paga's privacy policies are subject to the company’s disciplinary procedures.

1.8. Submitting Information Through Paga

Any person submitting information to Paga through our platform may be granted access rights to that information. Paga has developed systems that enable users to access and correct their personal information submitted to it.

1.9. Privacy Policy Updates

Paga may at any time amend, delete or add to its Privacy Policy by giving notice of such changes or posting a revised version of our Privacy Policy on Paga’s online portals. Any change will be made unilaterally by us and you will have been deemed to have accepted these changes by your continuous use of Paga’s services after the revised Privacy Policy is uploaded. You further agree that it is your sole responsibility to check for updates of the Privacy Policy.

If you have a Paga Account, Paga will give you 1 month notice of any changes, with the changes taking effect once the 1-month notice period has elapsed. The 1-month notice period will not apply where a change relates to the addition of a new service, extra functionality to any existing services or any other change which we believe in our reasonable opinion to neither reduce your rights nor increase your responsibilities. In such instances, the change will be made without prior notice to you and shall be effective immediately upon giving notice of it.

If you do not accept any change, you will be required to close your Paga prepaid account, otherwise you will be deemed to have accepted it. Any closure of account still renders you liable to Paga for any liability incurred by you prior to closure.

1.10. Correspondence

Should you send us correspondence including chats, calls, emails and letters, we will retain such information in the records of your account. We will also retain customer service correspondence and other correspondence from Paga to you. The rationale for this retention is to keep records of our relationship, measure and improve customer service and to investigate potential fraud and violations of our User Agreement. We may, over time, delete these records if permitted by law.

1.11. Questionnaires & Surveys

From time to time, Paga may offer optional questionnaires and surveys to our users for such purposes as collecting demographic information or assessing users' interests and needs. The use of information collected will be explained in detail in the survey itself. If we collect personal identifiable information from our users in these questionnaires and surveys, the users will be given notice of how the information will be used prior to their participation in the survey or questionnaire.

1.12. Security

Paga is committed to managing customer information with the highest standards of information security. We protect your personal information using physical, technical and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. We use computer safeguard such as firewalls and data encryption, enforce physical access to our buildings and files and only authorise access to personal information to only employees who require it to fulfil their job responsibilities.

The security of your Paga prepaid account also rests on the protection of your PIN. You should not share your PIN with anyone and no employee of Paga will ever ask you for either of these so any email or correspondence requesting for such information should be treated as unauthorised and suspicious and forwarded to info@pagatech.com. We will endeavor to respond to such emails as soon as possible.

Should you share your PIN with any third parties, such third parties will have access to your account and your personal information, and you may be responsible for any actions taken using this information. In the event you suspect a third party has gained access to your PIN, please log into your Paga profile, change it and notify us straightaway.

1.13. Inquires

Paga is responsible for ensuring that our day-to-day procedures are aligned with this Privacy Policy. Should you have any questions about this privacy statement, Paga's information services or your transactions on Paga, you can contact us via our customer help lines or by email to info@pagatech.com.