Privacy Policy
1. Introduction
Welcome to Paenote. Your privacy is important to us, and we are committed to protecting your personal data. This Privacy Policy explains how we collect, use, share, and protect your information when you use our services.
2. Information We Collect
When you use Paenote, we collect the following types of data:
- Personal Information: Name, email address, phone number, business details.
- KYB (Know Your Business) Data: Government-issued identification, Certificate of Incorporation, memorandum and article pf association, proof of address, and other verification details.
- Transaction Data: Payment history, bank account details, and transaction records.
- Device & Usage Data: IP address, browser type, device type, and interactions with our platform.
3. How We Use Your Information
We use your information to:
- Provide and improve our banking and payment services.
- Verify your identity and comply with regulatory requirements.
- Detect and prevent fraud, security breaches, and illegal activities.
- Send you important account notifications and service updates.
- Analyze usage trends to enhance user experience.
4. Sharing Your Information
We do not sell your personal information. However, we may share your data with:
- Regulatory Authorities & Compliance Partners: To meet legal and compliance obligations.
- Third-Party KYC Providers: We share KYC data with third-party verification providers to facilitate identity checks and compliance.
- Payment Processors & Banking Partners: To process transactions securely.
- Service Providers: For customer support, analytics, and infrastructure management.
5. Data Security
We implement strict security measures, including encryption and access controls, to protect your data. However, no online system is 100% secure, so we encourage you to safeguard your account credentials.
6. Data Retention
We retain your information for as long as necessary to fulfil our services and comply with legal obligations. After this period, we securely delete or anonymize your data.
7. Your Rights
Depending on your location, you may have rights to:
- Access, correct, or delete your personal data.
- Restrict or object to data processing.
- Withdraw consent for data processing where applicable.
To exercise your rights, please contact us at [email protected].
8. Third-Party Links & Services
Our platform may contain links to third-party websites. We are not responsible for their privacy policies and encourage you to review them separately.
9. Updates to This Privacy Policy
We may update this policy from time to time. Any changes will be communicated via our website or direct notifications.
10. Contact Us
For questions about this Privacy Policy, reach out to us at: PaenoteEmail: