Privacy Policy

1. Introduction

PayForMe("we", "us", or "our") operates a rental finance marketplace connecting Customers, merchants, Affiliates, and lenders in Ghana. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website, mobile experiences, and related services (collectively, the "Platform").

By creating an account or using the Platform, you acknowledge that you have read and understood this Privacy Policy. If you do not agree, please do not use the Platform.

2. Information we collect

We may collect the following categories of data:

• Account information: name, email address, phone number, password (stored in hashed form), role, and profile details.
• Identity verification (KYC): Ghana Card details, date of birth, address, employment information, and uploaded identity or supporting documents.
• Financial information: bank account details, mobile money numbers, wallet balances, transaction history, mandate records, and repayment schedules.
• Listing and application data: property details, photos, application forms, and communications related to listings and financing requests.
• Technical data: IP address, browser type, device information, log files, and usage analytics to improve security and performance.
• Communications: messages you send to us via contact forms, support requests, or email.

3. How we use your information

We use personal data to:

• Create and manage your account and role-specific dashboard.
• Verify your identity, email, phone number, and bank account.
• Process listings, applications, financing requests, mandates, and settlements.
• Facilitate payments, wallet top-ups, subscriptions, and withdrawals.
• Send transactional notifications, verification codes, and service updates.
• Detect fraud, enforce platform policies, and maintain audit trails.
• Comply with applicable laws, regulations, and lawful requests from authorities.
• Improve the Platform, troubleshoot issues, and develop new features.

4. Legal basis for processing

We process personal data where necessary to perform our contract with you (providing Platform services), to comply with legal obligations (including anti-money laundering and financial regulations), to protect legitimate interests (such as fraud prevention and platform security), and where you have given consent (for example, optional marketing communications where applicable).

5. How we share information

We do not sell your personal data. We may share information with:

• Other platform users where necessary for marketplace workflows (e.g., merchants reviewing Customer applications, Affiliates assigned to listings).
• Service providers including payment processors (Paystack, Hubtel), email and SMS providers, KYC verification partners, and cloud hosting providers.
• Regulators and law enforcement when required by law or to protect rights, safety, and property.
• Professional advisers such as auditors and legal counsel under confidentiality obligations.

All third parties are required to handle data securely and only for the purposes we specify.

6. Data retention

We retain personal data for as long as your account is active and as needed to provide services, resolve disputes, enforce agreements, and comply with legal and regulatory record-keeping requirements. KYC documents and financial transaction records may be retained for longer periods where required by law.

7. Data security

We implement administrative, technical, and organisational measures to protect your data, including encryption in transit, access controls, role-based permissions, audit logging, and secure storage of sensitive documents. No method of transmission over the internet is completely secure; we encourage you to use a strong password and enable two-factor authentication where available.

8. Your rights

Depending on applicable law, you may have the right to access, correct, update, or delete certain personal data, restrict or object to processing, and request a copy of data you have provided. You can update much of your profile information directly in account Settings. For other requests, contact us at support@payforme.com.gh. We may need to verify your identity before fulfilling a request.

9. Cookies and analytics

We use essential cookies and similar technologies to maintain sessions, remember preferences, and keep the Platform secure. We may use analytics tools to understand how users interact with the Platform so we can improve performance and usability.

10. Children's privacy

The Platform is not intended for individuals under 18 years of age. We do not knowingly collect personal data from children. If you believe a minor has provided us with personal data, please contact us so we can take appropriate action.

11. International transfers

Your data may be processed on servers located outside Ghana where our service providers operate. When data is transferred internationally, we take steps to ensure appropriate safeguards are in place consistent with applicable data protection requirements.

12. Changes to this policy

We may update this Privacy Policy from time to time. Material changes will be posted on this page with an updated "Last updated" date. Continued use of the Platform after changes take effect constitutes acceptance of the revised policy.

13. Contact us

For privacy-related questions or requests, contact us at support@payforme.com.gh or visit our Contact page.