www.paydestal.com is a website established by PAYDESTAL NIGERIA LIMITED (PAYDESTAL), a company incorporated under the Companies and Allied Matters Act 2020 of Nigeria with its registered office at No. 6, Alhaji Bakinson Street, Ikeja, Lagos. For any access request, questions, or inquiries about how we use your Personal Information and our privacy practices, please contact us at support@paydestal.com
1. COLLECTION OF PERSONAL INFORMATION
Subject to, and as provided by, all applicable Data Protection Laws, PAYDESTAL may collect, use or process Personal information such as:
1. Identity Data:
Information such as, full name, government-issued identity number, and date of birth. This information is received to enable us verify the USER’s identity in order to offer our Services to you. We may also collect copies of government-issued identity cards, in addition to a photograph or image in photo or video form (if applicable) and any other registration information that may be necessary to prove that the USER is eligible to use our Services and in compliance with regulatory requirements on Know Your Customer (KYC), Know-Your-Business (KYB) and Anti-Money Laundering Laws (AML) and regulations;
2. Contact Data:
This includes your country of residence, contact address, email address, contact number, details of the device you use and billing details. We require this data to reach out to you for the purpose of providing our Services to you and verifying your login requests.
3. Log/Technical Data:
When you access the services hoisted on www.paydestal.com, our servers automatically record information that your browser sends whenever you visit a website, links you have clicked on, length of visit on certain pages, unique device identifier, information on your page interaction (e.g, scrolls and clicks), log-in information, internet protocol (IP) address, location and other device details.
4. Financial Data:
Information, such as your bank account number, international bank account number (IBAN), sort code, beneficiary details, the merchant’s name and location, the date and the total amount of transactions, and other information provided by financial institutions or merchants when we act on their behalf.
5. Transactional Data:
This is information relating to a payment when you as a merchant (using one or more of our payment processing Services) or as a customer, are using our products or Services.
6. Marketing and Communications Data:
This includes both a record of your decision to subscribe to or withdraw from receiving marketing materials from us or from our third parties. This also includes the content of your communication with us through mobile calls, call recordings, online chats or other means of communication.
7. Records of your discussions with us, if we contact you and if you contact us.
8. We may also collect, store, use and transfer non-Personal Information or anonymized data such as statistical or demographic data. TAKE NOTICE that PAYDESTAL does not collect any Sensitive Personal Information. However, in the event that such Sensitive Personal Information is collected for any purpose, we will ensure compliance with the Data Protection laws. This Privacy Notice applies to www.paydestal.com and PAYDESTAL’s services only. We do not exercise control over the sites displayed or linked from within our various Services. These other sites may place their own cookies, plug-ins or other files on your computer, collect data or solicit personal information from you. PAYDESTAL does not control these third-party websites and we are not responsible for their privacy statements. Please consult such third parties’ privacy statements and set appropriate controls from your settings when using any third-party services.
2. OBTAINING YOUR PERSONAL INFORMATION
The Personal Information we have about you is directly made available to us when you:- sign up or register on www.paydestal.com
- use any of our Services;
- contact our customer support team or correspond with us;
- fill in our online forms or respond to surveys;
- apply for employment opportunities we advertise;
- register for and attend our webinars, events or online discussions;
- contact us for other reasons.
We may also collect Personal Information about you from third party sources, such as credit bureaus, merchants, fraud prevention agencies, identity verification providers, analytics providers and other publicly available sources such as online directories and websites for due diligence checks.4. LEGAL BASIS FOR COLLECTION OF INFORMATION
PAYDESTAL is authorized to collect USERS’ personal information in the following ways:
- USERS’ consent: Where you agree to us collecting and using your Personal Information to enable us provide our Services to you.
- In compliance with legal obligations: We have a legal obligation and responsibility to act in compliance with applicable laws, legislations and regulations to prevent fraud by verifying your identity, terrorism financing, proliferation financing and money laundering. To ensure we are fully compliant with all applicable financial legislations such as Anti-Money Laundering and Counter Terrorist Financing Laws, we must collect and store your Personal Information. We may also need to share your data with our affiliates, for the purpose of protecting against fraud by checking your identity before providing you with a service.
5. USING YOUR INFORMATION
We may use your Personal Information that we collect to:
- create and manage any Accounts you may have with us, verify your identity, provide our Services, and respond to your inquiries;
- process your payment transactions (including authorization, clearing, chargebacks and other related dispute resolution activities) and provide other payment related services to you;
- protect against and prevent fraud, un-authorized transactions, claims and other liabilities;
- communicate with you about products, newsletters, advertisements, offers, programs and promotions of PAYDESTAL, financial institutions, merchants and other partners. You have the right to opt-out of this at any time;
- send communication on service updates (downtime, service support, regulatory notices, etc);
- communicate with you to resolve an inquiry, complaint or concerns with your Account. We also use your contact data to send you one-time passwords (OTP) for account authentication via short messaging service (SMS), email, whatsapp or other electronic mediums;
- evaluate and improve our business, including developing new products and Services;
- establish, exercise and defend legal rights, as necessary;
- comply with applicable laws and regulations, including for compliance with Know-Your-Customer, Know-Your-Business, Anti-Money Laundering, anti-corruption, fraud monitoring, sanctions screening and risk assessment requirements, or as requested by any judicial process, law enforcement or governmental agencies having or claiming jurisdiction over PAYDESTAL or PAYDESTAL’s affiliates.
- use data analytics to improve our website, products or Services, user experience and to optimise our Services.
- If you register for and/or attend any PAYDESTAL sponsored events, we collect your registration and contact details to complete your registration. We may also collect your images, in video or still form, audio-visual recordings or other forms of digital information gathered at such events by the media team and use them for promotion, publication or marketing of the event as PAYDESTAL may determine.
- Mobile applications: In order to experience the full range of our mobile application’s seamless services including the ability to send funds to your phone contacts through the application (where applicable), we would require your consent granting access to your contact list. You have the right to withdraw your consent allowing us access to your contact list at any time. Please note that where your consent is not given or withdrawn, we would require the email address or contact of the recipient, in order to facilitate the fund transfer through the application.
- Employment: if you apply for employment with PAYDESTAL, we use your Personal Information to evaluate your interest in employment, for compliance checks and to contact you regarding possible employment with PAYDESTAL;
- For other purposes, for which we provide specific notices at the time of collection.
6. USERS’ DATA PROTECTION RIGHTS
By virtue of the Data Protection Laws in force in Nigeria, below are the rights you have as a user in relation to your Personal Information:
- Right to be informed on how we process your data. This Privacy Notice explains our privacy practices.
- Right to request for access to all or copies of your Personal Information by signing into your Account or contacting us. We will not give you Personal Information we hold on other individuals. You can exercise this right provided that we are not mandated to provide access to Personal Information more than twice in a 12-month period.
- Right to request that PAYDESTAL delete or erase your Personal Information. Please note that this is a limited right which applies where the continued processing of your Personal Information has no legal justification. The exceptions to this right is where the applicable law requires PAYDESTAL, as a regulated entity, to retain a historical archive of your personal information to fulfil regulatory requirements or where we retain a core set of your personal information to ensure we do not inadvertently contact you in future, where you object to your data being used for marketing purposes.
- Right to correct or rectify any Personal Information that you provide which may be incorrect, out of date or inaccurate. You also have the right to ask us to update information you think is incomplete or outdated.
- Right to opt-out of direct marketing. You have a right to ask us not to contact you for marketing purposes by adjusting your notification preferences on the settings page of our Sites or by opting out via the unsubscribe link in marketing emails we send you.
- Right to object to processing: You have the right to object to or restrict the processing of your Personal Information in certain circumstances. Please note that where you object to or restrict us from processing your Personal Information, we might be unable to provide our Services to you.
- Right to not be subject to a decision based solely on automated processing.
- Right to request that we move or transfer your Personal Information across different Services we provide, or have it moved or transferred from us to another company in a structured, commonly used and machine-readable format. The exception to this right is where your request is not technically feasible or possible. You can exercise your rights at no cost. However, we are permitted by law to refuse your request or charge a reasonable fee where your request is excessive or manifestly unfounded. If we decide to charge a fee, we will inform you before treating your request. If you wish to exercise any of your rights set out above, please contact us at alert@paydestal.com
7. DISCLOSING YOUR PERSONAL INFORMATION
We may disclose or share your Personal Information with third parties as may be reasonably necessary for the purposes set out in this Notice. We share Personal Information with external third parties in the following limited circumstances:
a. We provide such information to our subsidiaries or affiliated entities for the purpose of processing Personal Information on our behalf. We require that these parties agree to process such information based on our instructions, implement appropriate confidentiality and security measures and comply with the Data Protection Legislation.
b. We share your data with our third party providers or service providers, financial partners or suppliers for the purpose of effectively providing our Services to you. These services include identity verification and fraud prevention, customer service and support, analytics, payment facilitation by our banking and financial service partners including the card networks, communication service providers and information technology services
c. We may share your Personal Information to comply with a subpoena, court order, summons, police or other law enforcement agencies, regulatory requests or as required by law.
d. We may share your Personal Information where disclosure is reasonably necessary to:
- satisfy any applicable law, regulation, legal process or enforceable governmental request;
- Detect or prevent fraud including investigation of potential violations to our Terms of Service;
- detect, prevent, or otherwise address security or technical issues, or
- protect against imminent harm to the rights, property or safety of PAYDESTAL, its users or the public as required or permitted by law.
e. In some cases, we may provide a service through a third party, which would require us to share your Personal Information to third parties authorised by you to receive such Information The use of your Personal Information by an authorised third party is subject to the third party's Privacy Notice and PAYDESTAL shall bear no liability for any breach which may arise from such authorization by you.
f. If PAYDESTAL becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we may share your Personal Information with parties involved in the transaction and any entity that acquires our business will continue to process your Personal Information in line with this Privacy Notice, or a revised version that we will communicate to you.
8. DATA SECURITY AND RETENTION
The security of your Personal Information is important to PAYDESTAL. We shall protect the information we collect within the bounds of the law. We maintain administrative, technical and physical controls designed to protect the Personal Information you provide, or we collect against loss or theft, as well as against any unauthorized access, risk of loss, disclosure, copying, misuse or modification. Other security measures include but are not limited to, secure servers, firewalls, data encryption and granting access only to specific employees in order to fulfil their job responsibilities. We will only retain Personal Information on our servers for as long as is reasonably necessary as long as we are providing Services to you. If you close your Account, your data is stored on our servers to the extent necessary to comply with regulatory and Anti-Money Laundering obligations and for the purpose of fraud monitoring, detection and prevention. Where we retain your Personal Information, we do so in compliance with limitation periods or retention obligations imposed by all applicable Data Protection Laws in Nigeria.
9. MARKETING
We may process your Personal Information in order to contact you or send you marketing content and communication about our products, Services or surveys. You may exercise your right to object to such contact from us or opt out from the marketing communication. Please note however that if you opt-out of marketing content, we may still send you messages relating to transactions and our Services, related to our ongoing business relationship.
We may ask you for permission to send notifications to you. Our Services will still work if you do not grant us consent to send you notifications.
10. COOKIES
Like many other websites,
www.paydestal.com uses cookies to distinguish USERS from one another, to measure your engagement with our website and to customize and improve our Services. Depending on how you manage your cookies settings and preferences, we may place cookies on your device when you visit our website. We will only place advertising and analytics cookies if you consent or accept these cookies. Some browsers may automatically accept cookies, while some can be modified to decline cookies or alert you when a website wants to place a cookie on your computer. If you do choose to disable non-essential cookies, it may limit your ability to get a full experience of our website. For detailed information on the cookies and how we use them see our Cookie Notice
11. MINORS
PAYDESTAL’s services on www.paydestal.com or other websites and applications are not directed at persons under the age of eighteen (18) and we do not collect any Personal Information knowingly or directly from individuals who fall within this category.
Where you have any belief that PAYDESTAL has mistakenly or unknowingly collected information from a minor, please contact us to enable us to investigate and restrict such data collection.
12. INTERNATIONAL DATA TRANSFERS
In due course, PAYDESTAL aims to conduct global business with affiliates and service providers located around the world. In that respect, we may need to transfer your Personal Information to help us provide you with our Services. Your Personal Information may be transferred to countries which may not have the same data protection laws as your country, but whenever we have to transfer or transmit your Personal Information internationally, we will take reasonable steps to ensure your Personal Information is handled securely in compliance with globally acceptable standards of Data Protection and all applicable laws.
13. UPDATES TO OUR PRIVACY NOTICE
From time to time, we may change, amend or review this Privacy Notice to reflect new Services or changes to the Privacy Policy of www.paydestal.com and to place any updates on this page, without specifically or directly informing you. 14. DTO PAYDESTAL has appointed a Data Protection Officer (DPO) responsible for overseeing compliance with the Data Protection Legislation. To exercise your rights or if you have any inquiries, comments or concerns with our privacy practices, please contact us at ………………………… We will investigate and work on resolutions for your concerns as soon as practicable and in accordance with all applicable Data Protection Legislation.