At Unipaynet, we are committed to protecting your privacy and safeguarding the personal information you entrust to us. We recognize the importance of your personal data and are dedicated to processing it in a lawful, fair, transparent, and secure manner.
This Privacy Notice explains how Unipaynet collects, uses, stores, shares, and protects your personal data whenever you access or use our products and services. It also outlines your rights regarding your personal information and our responsibilities in handling it.
This Privacy Notice applies whenever you:
We encourage you to read this Privacy Notice carefully before using our products and services. By accessing or using our website, mobile application, or any of our services, you acknowledge that you have read and understood how we collect, use, and protect your personal information.
Unipaynet Group comprises a number of affiliated entities that operate together to provide digital financial services, payment solutions, and related products. Depending on the nature of the product or service you access, the specific Unipaynet entity responsible for delivering that product or service will be identified to you at the time of registration, onboarding, or service engagement.
The Unipaynet entity providing your selected product or service will act as the Data Controller for your personal data. As the Data Controller, that entity is responsible for determining the purposes and means by which your personal information is collected, processed, stored, and protected, in accordance with applicable data protection and privacy laws.
This Privacy Notice explains how Unipaynet collects, uses, stores, shares, and protects your personal data when you access or use our products, services, and digital platforms.
This Privacy Notice applies to personal information collected through the following platforms and services:
Data Protection Officer
Email: data@unipaynet.com
The personal data that Unipaynet collects and processes depends on the products, services, and features you access or use. We collect personal data from you directly, automatically through your interaction with our platforms, and from other lawful sources where necessary.
We collect personal data that you voluntarily provide when you interact with Unipaynet, including when you:
| Activity | Examples |
|---|---|
| Register for a Unipaynet account | Creating an account, providing registration details, and completing onboarding requirements |
| Open or manage an account | Updating account information, managing preferences, or accessing our services |
| Complete forms or applications | Providing information required for products, services, or account requests |
| Communicate with Unipaynet | Contacting customer support through email, telephone, social media, or the Unipaynet application |
| Perform payment transactions | Sending money, receiving payments, topping up accounts, transferring funds |
| Category | Personal Data Collected |
|---|---|
| Identity Information | Full name, date of birth, nationality, government-issued identification documents, and identity verification information |
| Contact Information | Residential address, telephone number, email address, and country of residence |
| Account Information | Username, Unipaynet Tag, account registration details, and customer profile information |
| Financial Information | Bank account details, payment card information, transaction details, beneficiary information, and payment records |
| Card Information | Details of registered payment cards, including card number, expiry date, and security verification details |
| Regulatory Information | Tax Identification Number (TIN), compliance information, and information required for regulatory reporting |
| Communication Records | Records of communications with Unipaynet, including customer support interactions, emails, messages, and telephone conversations |
| Identity Verification Data | Photographs, videos, and other biometric or verification information submitted during Know Your Customer (KYC) processes |
| Transaction Information | Details of recipients, beneficiaries, payment instructions, and information required to complete transactions |
When you use the Unipaynet mobile application, website, USSD platform, or other digital services, we may automatically collect technical, transactional, and usage information.
| Category | Details of Information Collected |
|---|---|
| Device and Technical Information | Internet Protocol (IP) address, device type, operating system, browser type and version, mobile network information, unique device identifiers, application version, and security-related information |
| Account Access Information | Login details, authentication information, access records, and security logs |
| Website and Application Usage Information | Pages visited, features accessed, search activity, session duration, interaction history, technical errors, and performance information |
| Transaction Information | Transaction date and time, transaction amount, currencies used, exchange rates, sender and recipient details, beneficiary information, transaction location, payment method, device information, and related transaction messages |
| Service Usage Information | Details of how you use Unipaynet services, including payment activities, transfers, foreign exchange transactions, and interactions with our platforms |
Where permitted by applicable laws and where you provide the required permissions, Unipaynet may collect and process location information obtained through technologies such as GPS, mobile networks, and IP address information.
| Purpose | Description |
|---|---|
| Fraud Prevention | Detecting suspicious activities, unusual transaction patterns, and potential unauthorized account access |
| Security Monitoring | Verifying transaction authenticity and protecting customers from financial crime |
| Service Enhancement | Improving the accuracy, security, and functionality of our services |
| Source | Examples of Information |
|---|---|
| Payment Service Providers and Financial Institutions | Transaction verification information, payment details, and settlement information |
| Identity Verification Providers | Identity verification results, document validation information, and fraud screening data |
| Regulatory and Government Authorities | Information required for compliance with legal and regulatory obligations |
| Fraud Prevention and Risk Management Providers | Information used to detect, prevent, and investigate fraud, money laundering, and other financial crimes |
Unipaynet is committed to processing personal data in a lawful, fair, and transparent manner. We only collect and use your personal data where we have a valid legal basis to do so under applicable data protection and privacy laws.
Processing required to establish, perform, or manage our contractual relationship with you. This includes processing required to open and maintain your account, provide our products and services, process transactions, and fulfill our obligations under any agreement between you and Unipaynet.
Processing required to comply with applicable laws, regulations, regulatory requirements, or lawful instructions from competent authorities. This includes obligations relating to Know Your Customer (KYC), Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), fraud prevention, sanctions screening, and tax compliance.
Processing necessary for our legitimate business interests or those of relevant third parties, provided that such interests do not override your fundamental rights, freedoms, and privacy interests. This includes improving our products and services, maintaining platform security, preventing fraud, and enhancing customer experience.
Processing based on your explicit and informed consent for specific purposes. This includes collecting optional information such as location data, accessing certain device features, or sending marketing communications. You have the right to withdraw your consent at any time.
Unipaynet processes your personal data only for specific, lawful, and legitimate purposes. We use your information to provide our products and services, comply with legal and regulatory obligations, protect our customers and systems, prevent fraud, improve our services, and deliver a secure and personalized experience.
Verify identity, process payments, facilitate transfers, and fulfill contractual obligations.
Contractual Necessity, Legal Obligations
Provide customer support, respond to inquiries, resolve complaints, verify instructions, and maintain communication records.
Contractual Necessity, Legitimate Interests
Verify identity, detect suspicious activities, prevent fraud, manage security risks, and comply with financial crime prevention requirements.
Legal Obligations, Legitimate Interests
Analyze account activity, transaction patterns, and customer information to identify risks, prevent unauthorized transactions, and maintain security.
Legitimate Interests, Legal Obligations
Use information about your account, preferences, transactions, and service usage to personalize your experience and improve how our services meet your needs.
Consent, Legitimate Interests
Provide information about Unipaynet products, services, promotions, offers, and updates that may be relevant to you.
Consent (where required), Legitimate Interests
Manage, maintain, secure, and improve our website, mobile application, USSD platform, and other digital services.
Contractual Necessity, Legitimate Interests, Consent
Verify your identity when accessing our services, contacting customer support, or performing sensitive activities on your account.
Legal Obligations, Legitimate Interests
Create aggregated or anonymized datasets to analyze customer behavior, improve services, conduct research, and meet regulatory reporting requirements.
Legal Obligations, Legitimate Interests
Comply with legal requirements, respond to government or law enforcement requests, enforce agreements, recover outstanding obligations, and protect our rights.
Legal Obligations, Legitimate Interests, Substantial Public Interest
Unipaynet uses automated processing technologies to support decisions relating to your account, transactions, and use of our services. This includes:
Automated identity verification, KYC checks, AML screening, PEP checks, sanctions screening, and address verification.
Automated analysis of transactions to verify activity, apply transaction limits, assess risk levels, and identify unusual or suspicious activities.
Automated tools to monitor account activity, detect suspicious behavior, identify fraud patterns, and prevent unauthorized transactions.
Automated analysis to monitor service usage, assess customer risk, maintain account security, and take appropriate actions where required.
You have the right to request human review of automated decisions, explanations of decision-making processes, and challenge outcomes that produce legal or significant effects.
Unipaynet may use your personal data to provide information about our products, services, features, offers, promotions, and other updates that may be relevant to you.
Where permitted by applicable laws, we may communicate with you through various channels, including:
You may opt out of marketing communications at any time by using the unsubscribe link, updating your preferences through the Unipaynet application, or contacting customer support.
As an individual whose personal data is processed by Unipaynet, you have certain rights under applicable data protection and privacy laws.
Understand how Unipaynet collects, uses, stores, and protects your personal data.
Request a copy of the personal data we hold about you and information about how we process it.
Request correction of personal data that you believe is inaccurate, incomplete, outdated, or incorrect.
Request deletion of your personal data in certain circumstances, subject to legal and regulatory retention requirements.
Object to certain types of processing, including processing based on legitimate interests and profiling related to marketing.
Request limitation or temporary suspension of processing in certain circumstances.
Request your personal data in a structured, commonly used, and machine-readable format.
Withdraw your consent at any time where processing is based on your consent.
Request review of automated decisions that produce legal or significant effects.
To exercise any of your data protection rights, you may contact our Data Protection Officer using the following details:
Data Protection Officer
Email: data@unipaynet.com
• Identity verification may be required before processing your request.
• Responses are typically provided within one month.
• Requests may be subject to legal and regulatory limitations.
• You have the right to lodge a complaint with the relevant data protection authority.
Unipaynet may share your personal data with selected recipients where necessary to provide our services, operate our business, comply with legal obligations, protect our customers, or improve our products and services.
Providing products and services, customer support, product improvement, and communications
Completing and verifying payment transactions
Technology, IT infrastructure, payment processing, analytics, identity verification, and fraud prevention
Complying with laws, regulations, court orders, and lawful requests
Unipaynet stores and processes personal data in secure locations, including within the country where the information is collected and in other jurisdictions where we or our trusted service providers operate.
International transfers are protected through appropriate safeguards including:
At Unipaynet, we recognize that protecting your personal data is a fundamental responsibility. We are committed to maintaining strong security controls designed to safeguard your information against unauthorized access, loss, misuse, alteration, disclosure, or destruction.
Restricting access to personal data only to authorized personnel who require it to perform their responsibilities
Protecting data transmitted through our platforms using secure encryption technologies such as Transport Layer Security (TLS)
Maintaining secure infrastructure, databases, and technology systems designed to prevent unauthorized access and cyber threats
Monitoring systems and activities to identify, investigate, and respond to suspicious or unauthorized behavior
You are responsible for keeping your passwords, PINs, authentication details, and account credentials confidential. Use strong and unique passwords, enable available security features, and immediately notify Unipaynet if you suspect unauthorized access or suspicious activity.
Unipaynet retains personal data only for as long as necessary to fulfill the purposes for which it was collected, comply with legal and regulatory obligations, resolve disputes, enforce agreements, and protect our legitimate interests.
As a regulated financial services provider, Unipaynet may be required to retain certain customer information for a specified period after the termination of your relationship with us, including obligations relating to:
Unipaynet is committed to maintaining transparency regarding how we collect, use, and protect personal data.
We may update this Privacy Notice from time to time to reflect:
Significant changes affecting your privacy rights will be communicated through email, our mobile application, or website. We encourage you to review this notice periodically to stay informed.
For questions about this Privacy Notice or to exercise your data protection rights:
Email: data@unipaynet.com
Data Protection Officer
