1. Data We Collect

Registration Data:

• Full name, email address, phone number
• Company name, legal form, identification number
• Business address, industry sector

Payment Data:

• Banking information (IBAN, bank name)
• Transaction history (amount, date, payment method)
• Information about paying customers (anonymized)

Technical Data:

• IP address, browser type, device used
• Activity logs, performance data
• Cookies and similar technologies

2. How We Use Your Data

We use your data only for the following legitimate purposes:

• Provide and maintain our payment service
• Process transactions and manage accounts
• Verify your identity and prevent fraud
• Comply with legal obligations (AML, GDPR)
• Improve our services and develop new features
• Send you important notifications (security, maintenance)
• Respond to your support requests

3. Sharing Your Data

We never sell your personal data. We may share it only with:

Service Providers:

• Payment processors (to execute transactions)
• Mobile money operators (Wave, Orange Money, Flooz, etc.)
• Hosting and technical infrastructure services
• Customer support and communication services

Legal Authorities:

• When required by law or legal proceedings
• To protect our rights, your safety or that of others
• To prevent fraud or illegal activity

Business Partners (with your consent):

• Financial institutions for connected services
• E-commerce platforms for integrations

4. Security of Your Data

We implement robust technical and organizational security measures:

• Encryption: TLS 1.3 for transmissions, AES-256 for storage
• Certification: PCI DSS Level 1 (strictest standard for payments)
• Limited access: Strictly necessary data access
• Regular audits: Penetration testing and security audits
• Training: Continuous data protection training for our team

Important: We never store complete sensitive bank card data on our servers. This data is processed directly by our certified payment partners.

5. Your Rights (GDPR)

In accordance with GDPR, you have the following rights:

• Right of access: Obtain a copy of your data
• Right to rectification: Correct inaccurate data
• Right to erasure: Request deletion of your data
• Right to restriction: Restrict processing of your data
• Right to data portability: Receive your data in a structured format
• Right to object: Object to processing for marketing
• Right to withdraw consent: At any time

To exercise these rights, contact our Data Protection Officer (DPO) at: dpo@snappay.com. We will respond within a maximum of 30 days.

6. Data Retention Period

We retain your data only as long as necessary:

• Active account data: As long as your account is active + 5 years after closure
• Transactional data: 10 years (legal accounting obligation)
• Security logs: 2 years
• Marketing data: 3 years after last contact
• Cookies: Up to 13 months maximum

After these periods, your data is anonymized or permanently deleted according to secure procedures.

7. International Data Transfers

As SnapPay is an international platform, your data may be transferred outside your country of residence:

• Servers: Located in the European Union (GDPR compliant)
• Partners: Some providers may be located outside the EU
• Safeguards: We use European Commission standard contractual clauses
• Transparency: List of subcontractors available upon request

8. Cookies & Similar Technologies

We use different types of cookies:

Essential Cookies:

• Basic functionality (login, cart, security)
• Mandatory - cannot be disabled

Analytical Cookies:

• Audience analysis and performance
• Google Analytics (anonymized)
• You can refuse them in settings

Preference Cookies:

• Remember your choices (language, currency)
• Improve your user experience

You can manage your cookie preferences via our Cookie Preference Center.

9. Changes to This Policy

We may update this privacy policy occasionally. Significant changes will be:

• Notified by email (30 days before application)
• Published on this page with new date
• Notified in your SnapPay dashboard

We encourage you to check this page regularly to stay informed.

10. Contact Us

For any questions regarding this privacy policy:

• Data Protection Officer: dpo@snappay.com
• General Support: support@snappay.com
• Postal Address: SnapPay Legal Department, Rue des Digitales
• Phone: +221 33 864 95 83

You also have the right to lodge a complaint with the data protection authority in your country.