Privacy Policy

1. Introduction

AfriX ("we," "our," or "us") are financial technology products owned and operated by AfricaPay. This Privacy Policy explains how we collect, use, store, protect and share your information when you use our website and mobile applications.

2. Information We Collect

2.1 Personal Information

• Full name
• Phone number and email address
• Date of birth
• Government-issued ID (for KYC)
• Physical address
• Payment details and wallet/account information

2.2 Financial & Transaction Data

Transaction history, payment records, bank or mobile money details (where required) and wallet balances.

2.3 Device & Technical Data

IP address, device type, operating system, browser information, app usage statistics and mobile carrier information.

2.4 Location Data

We may collect geolocation data where required for fraud prevention, KYC and compliance.

2.5 Cookies & Tracking

Our website and apps use cookies and similar technologies to improve experience, analyze usage and personalize content. You may control cookie settings via your browser or device.

3. How We Use Your Information

• Create and manage your AfriX account
• Process transactions and payments
• Conduct identity verification (KYC) and comply with AML
• Provide customer support and send service updates
• Detect, prevent and investigate fraud
• Improve and personalize our services

4. Legal Basis for Processing

Depending on your jurisdiction, we process personal data based on your consent, contractual necessity, legal obligations (e.g., KYC/AML) and our legitimate business interests.

5. How We Share Your Information

5.1 Service Providers

We share data with trusted third-party service providers that assist with payment processing, identity verification, hosting, customer support and fraud detection.

5.2 Financial Institutions

Banks, payment processors and licensed partners required to complete transactions.

5.3 Legal & Regulatory Authorities

We disclose information when required by law, to comply with AML/KYC regulations, court orders or government investigations.

5.4 Business Transfers

If AfricaPay merges, is acquired, or sells assets, your information may be transferred as part of the transaction.

We do not sell your personal information.

6. Data Storage & Security

We use industry-standard measures such as encryption (in transit and at rest), access controls and regular security assessments to protect your data. No system is completely secure; please protect your credentials.

7. Data Retention

We retain your information while your account is active and as necessary to meet legal and regulatory obligations. After required retention periods, information is deleted or anonymized.

8. Your Rights

Depending on local law, you may have rights to access, correct, delete, restrict processing, or obtain a copy of your personal data. To exercise these rights contact support@africapay.co.za.

9. Children’s Privacy

Our services are not intended for children under 16 (or as defined by local law). We do not knowingly collect information from minors; we will delete such data if discovered.

10. Third-Party Links

Our website and apps may include links to third-party sites. We are not responsible for their privacy practices.

11. Changes to this Policy

We may update this Privacy Policy periodically. Material changes will be posted on our website and, where appropriate, notified to users via email or in-app notice. The Effective Date at the top will reflect the latest update.

12. Contact Us

If you have questions or wish to make a data request, please contact:

AfricaPay

Email: support@africapay.co.za

Address: 1st Floor, Co-working Space, Innovaction One, DIFC, Dubai, UAE