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Privacy Policy

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LAST UPDATED
July 11 2024

SECTION 1 – OUR COMMITMENT TO PRIVACY

CX PayMe, the developer, acknowledges your concern about the use and disclosure of your personal information, and we prioritize your privacy. Our main objective is to deliver exceptional service, recognizing that you may have questions or concerns about how your personal information will be utilized. To ensure easy access, our Privacy Statement is readily available on the home page of the CX PayMe website at cxpay.me (“website”) and within our mobile applications. Should you have any privacy-related questions, please feel free to contact us via email at privacy@cxpay.me.

SECTION 2 – APPLICABILITY OF PRIVACY STATEMENT
This Privacy Policy is applicable to all data collected through CX PayMe services from CX PayMe account holders. The term “Services” encompasses any products, services, content, features, technologies, or functions, along with all associated websites, applications, and services provided to you by CX PayMe in connection with a CX PayMe-e Wallet account, the App. Even after you cease to be our customer, we continue to keep your information as outlined in this policy. In the context of this policy, “personal information” refers to data associated with a specific individual that can be used to identify that person. We exclude from this definition any information that has been aggregated and/or anonymized to the extent that it no longer identifies a specific user.

SECTION 3 – WHAT DO WE DO WITH YOUR INFORMATION?
At CX PayMe e-Wallet, we understand the importance of privacy and the trust you place in us. This section outlines how we handle the information you provide to us.

  1. Information Collection:
    When you sign up for a CX PayMe account, we collect personal information such as your name, phone number, contact information, and financial information. This is Necessary to create and manage your account for payments to occur.
  2. Transaction Data:
    Your transaction history, including purchases, transfers, and withdrawals, is stored securely.
    We use this information to facilitate transactions, provide customer support, and ensure the security of your account.
  3. Security Measures:
    Rest assured; your information is safeguarded through robust security measures. We employ encryption, firewalls, and regular security audits to protect your data from unauthorized access.
  4. Personalization:
    To enhance your experience, we may use your information to personalize the services we offer. This could include tailored promotions, account recommendations, and personalized content based on your usage patterns.
  5. Communication:
    We may use your contact details to communicate with you about your account, transactions, and important updates. You have the option to customize your communication preferences.
  6. Service Improvement:
    Your data helps us analyze trends track, user behavior, and improve our services. This information is used in an aggregated and anonymized form to enhance the overall CX PayMe e-wallet experience.
  7. Legal Compliance:
    CX PayMe complies with applicable laws and regulations. In certain circumstances, we may be required to share your information with legal authorities or regulators to fulfill our legal obligations.
  8. Third-Party Integrations:
    With your consent, we may use your information to send you marketing communications or surveys. You can opt out of these communications at any time by following the unsubscribe instructions provided in each message.
  9. Data Retention:
    CX PayMe may integrate with third-party services to enhance functionality. In such cases, your information may be shared securely with these partners, but only to the extent required necessary for the provision of services.
  10. Data Retention/data deletion:
    Upon opting to delete your account, it is essential to understand that specific segments of your account data will be retained on our servers aligning with the guidelines by the Central Bank. The rest of the information will be deleted from our server. This retained information encompasses, but is not confined to, limited personal data and transaction history. The necessity to retain certain elements is driven by regulatory requirements and ensures compliance with the established financial regulations.

    Rest assured the retained information will be handled with the same level of confidentiality and security as during your active account tenure. By using CX PayMe e-Wallet, you acknowledge and agree to the practices described in this section. We are committed to maintaining the confidentiality and security of your information, and we continuously strive to uphold the highest standards in data protection. If you have any questions or concerns, please contact our Customer Support team.

    If you wish to delete your account, please read Section 11 to know more about how to delete your account. If you have any questions or concerns, please contact our Customer Support team.

    KYC Process Data Handling:
    During the KYC (Know Your Customer) process, we will request permission to access your device’s gallery to upload your ID. If you choose not to grant this permission, you will not be able to proceed with the KYC process. All information collected during the KYC process will be encrypted using state-of-the-art encryption protocols to ensure its security. The information will be deleted immediately after the completion of the KYC. Additionally, if you close the app while undergoing the KYC process, all the collected information will be deleted, and you will need to start the KYC process from the beginning.

SECTION 4 – CONSENT
At CX PayMe e-Wallet, we prioritize transparency and respect for your choices. This section outlines the importance of your consent in our data processing activities.

Voluntary Participation:
By using our services and providing personal information, you voluntarily consent to the collection, use, and processing of your data in accordance with this Privacy Policy.

Age of Consent:
To use CX PayMe e-Wallet, you must be of the legal age, which is 18 (eighteen). By using our services, you confirm that you meet the age requirements, and any information provided is not from individuals below the legal age.

Changes to Privacy Policy:
Any changes to our Privacy Policy will be communicated, and your continued use of our services after such changes implies your ongoing consent to the updated terms.

Gallery:
CX PayMe e-Wallet will request access to your device’s gallery to upload profile pictures, pictures of your ID. You can manage and revoke these permissions in your device settings. However, please note that if you do not grant these permissions, you cannot proceed with the KYC process, as these permissions are necessary for it to function. If you choose not to grant this permission, you will not be able to proceed with the KYC process or fully utilize certain in-app features. All information collected will be encrypted using state-of-the-art encryption protocols to ensure its security. Information will be deleted immediately after the completion of the KYC process or the specific in-app feature use. Additionally, if you close the app while undergoing the KYC process or using an in-app feature, all the collected information will be deleted, and you will need to start the process from the beginning.

Revocable Consent:
Your consent is not permanent. You have the right to withdraw your consent at any time. If you choose to do so, it will not affect the lawfulness of any processing carried out before the withdrawal. If you withdraw consent during the KYC process, any collected information will be deleted, and you will need to start the KYC process again if you decide to proceed later.

SECTION 5 – DISCLOSURE
We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service.

SECTION 6 – THE INFORMATION WE COLLECT

Upon accessing the website or utilizing any of our mobile applications or other services, we gather your IP address and standard web log details, including your browser type and the specific pages you visited on our site.

If you open a CX PayMe e-Wallet account, we collect the following information from you:

Account Information – includes text-enabled cellular/wireless telephone numbers, machine or mobile device IDs, and other comparable details.

  • Identification Information – your name, street address, email address, date of birth, phone number, country name and physical ID, facial biometric.
  • Device Information – encompasses details about you, including (a) data derived from your mobile device or computer, such as device type, machine or mobile device identification number, time zone, language setting, browser type, and IP address; and (b) information obtained from third parties for transaction processing, identity verification, fraud detection or prevention, and similar purposes. To enhance fraud prevention, we may also associate your machine ID with the machines of others using the same payment cards.
  • Financial Information – refers to details such as your bank account online login information, bank account and routing numbers, and credit cards linked to your CX PayMe account. It is important to note that CX PayMe does not share financial information with third-party social networking services, as mentioned in the previous section.
  • Merchant information – including, but not limited to business information, contact emails, phone numbers and taxpayer ID numbers, Chamber of Commerce number.
  • Information you provide when you contact us – your response to surveys, recorded conversations, chat conversations with us, email correspondence with us, account status, transactional history, information about others if you choose to share it with us.
  • Our commitment is to offer a secure and excellent service. Hence, prior to granting access to the Services, we may request additional information to verify your identity, address, or other details. This is essential for compliance with the law and for effectively managing risk and ensuring adherence to regulatory requirements throughout our association.
  • Additionally, we might obtain information about you from third-party sources, such as identity verification, fraud prevention, and similar services.
  • While utilizing the Services, we gather information related to your account transactions. Additionally, we may collect details pertaining to your computer, operating systems, or other access devices for the purposes of fraud prevention and similar objectives.

SECTION 7 – THIRD-PARTY SERVICES
CX PayMe ensures the confidentiality of your personal information and does not share it with third parties for promotional or marketing purposes.

Certain personal details are considered public information and may be visible to anyone on the internet, regardless of whether they have a CX PayMe account. This public information can also be viewed, accessed, reshared, or downloaded through CX PayMe’s APIs or third-party services integrated with our products.

For personal profiles, public information includes your CX PayMe username, profile photo, name, and may include month, and year of CX PayMe account creation, as well as public transactions in which you’ve participated. In the case of business profiles, public information comprises the CX PayMe username, profile and background photos, business name, business description, and QR code. Public information related to business profiles may be indexed by and searchable on search engines.

SECTION 8 – SECURING AND SAFEGUARDING PERSONAL INFORMATION: OUR Approach to Protection and Storage

Encryption Protocols:
We implement state-of-the-art encryption protocols to secure the transmission and storage of your personal information. Our robust encryption algorithms ensure that sensitive data, such as personal details and financial transactions, remain confidential and protected from unauthorized access.

Access Controls:
Our systems are fortified with stringent access controls. Only authorized personnel with a legitimate need for accessing user data are granted permission. Multi-factor authentication adds an additional layer of security, minimizing the risk of unauthorized access to sensitive information.

Data Minimization:
We adhere to a strict policy of data minimization, collecting only the necessary information required for the provision of our services. This reduces the overall risk exposure and ensures that your personal information is handled responsibly and with the utmost care.

Regular Security Audits:
To maintain the highest standards of security, we conduct regular security audits and assessments. These evaluations help us identify potential vulnerabilities and address them promptly, ensuring that our systems remain resilient against emerging threats.

Secure Storage Practices:
Your personal information is stored in secure, dedicated servers with access controls and monitoring systems in place. We employ industry-best practices for data storage to safeguard against data breaches and unauthorized access.

SECTION 9 – AGE OF CONSENT
By using our services, you affirm that you are 18 years of age or older. Our services are intended for individuals who have reached the age of adulthood in their jurisdiction. If you are under 18, please do not use our services. We do not knowingly collect personal information from individuals below the age of 18. If we become aware that such information has been inadvertently collected, we will promptly take measures to delete it from our records.

SECTION 10 – CHANGES TO THIS PRIVACY POLICY
We reserve the right to update, modify, or make changes to this Privacy Policy at our discretion. Any alterations will be effective immediately upon posting on this page. It is your responsibility to review this Privacy Policy periodically for any changes. Continued use of the services after modifications to the Privacy Policy implies your acceptance of those changes. We may also notify you of significant changes through email or other communication channels. It is advisable to stay informed about how we are handling your personal information.

For any concerns or questions regarding this Privacy Policy, please contact us using the provided contact information.

SECTION 11 – HOW YOU CAN ACCESS OR CHANGE YOUR PERSONAL INFORMATION
You can review your personal information at any time by logging into your account, navigating to account settings, and accessing the profile section. If you want to change your personal data, please contact us at support@cxpay.me.

Deleting Your Account:

If you wish to delete your CX PayMe account, follow these steps:

How to delete your account on the Phone:

  1. Log in:
    • Log in to the account you wish to delete.
  2. Navigate to Profile:
    • Press on your profile picture located at the top right to navigate to your profile.
  3. Select Delete My Account:
    • Scroll down until you see a button in red named “Delete My Account.”
  4. Confirm Deletion:
    • Press on “Delete My Account.” A pop-up will appear asking for your password.
  5. Enter Password:
    • Enter your password to confirm the deletion.
  6. Account Deleted:
    • Once you enter your password, your account will be deleted.

How to delete your account on the Website:

  1. Log in:
  • Log in to the account you wish to delete.
  1. Navigate to Profile:
  • Use the navigation bar located on the left of your screen to navigate to your profile.
  1. Select Delete Account:
  • Find and press the button called “Delete Account.”
  1. Confirm Deletion:
  • A pop-up will appear asking for your password.
  1. Enter Password:
  • Enter your password to confirm the deletion.
  1. Account Deleted:
  • Once you enter your password, your account will be deleted.

Important Note:

Please note that if you have a balance, you will not be able to delete your account. If you need assistance transferring your balance to another account or cashing out your balance, please contact us at support@cxpay.me.

Upon opting to delete your account, specific segments of your account data will be retained on our servers aligning with the guidelines by the Central Bank. The rest of the information will be deleted from our server. This retained information encompasses, but is not confined to, limited personal data and transaction history. The necessity to retain certain elements is driven by regulatory requirements and ensures compliance with established financial regulations.

Rest assured the retained information will be handled with the same level of confidentiality and security as during your active account tenure. By deleting your account, you acknowledge and agree to the practices described in this section. We are committed to maintaining the confidentiality and security of your information and continuously strive to uphold the highest standards in data protection.

If you encounter any issues or have questions during this process, please contact our Customer Support team at support@cxpay.me.

SECTION 12 – HOW TO CONTACT US
If you have questions or concerns regarding this Privacy Policy, or any feedback pertaining to your privacy and the services that you would like us to consider, please email us at privacy@cxpay.me.