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Privacy Policy

 Privacy Policy

Vertex Pay Limited is committed to protecting the privacy, integrity, and security of your personal information. This Privacy Policy explains how we collect, use, store, share, and protect personal data obtained through our websites, mobile applications, platforms, or any other services provided (the “Services”). 

This Policy applies to all users of the Vertex Pay Services, including merchants, buyers, and website visitors. By accessing or using the Services, you consent to the practices described herein. Regional variations may apply, and we may issue additional notices for specific services. 

This Policy describes :

    1.  ❖ What Personal Data We Collect 
    2.  ❖ Why We Retain Personal Data
    3.  ❖ How We Process Personal Data 
    4.  ❖ How We Use Cookies and other Tracking Technologies 
    5.  ❖ How We Disclose Personal Data 
    6.  ❖ How to Access & Control Your Personal Data 
    7.  ❖ How We Protect Your Personal Data 
    8.  ❖ How We Process Children’s Personal Data 
    9.  ❖ International Transfers of Your Personal Data 
    10.  ❖ Updates to This Policy
    11.  ❖ Definitions
    12.  ❖ How to Contact Us  

1. What Personal Data Do We Collect?

Personal data is any information that can identify a natural person either directly or when combined with other data. This includes data provided directly by you or automatically collected when you use our Services. We collect:

 ❖ Registration Information: When creating an account, we collect your name, phone number, email address, business details, and ID information as required for compliance. 

 ❖ Transaction and Experience Information: Includes transaction amounts, merchant info, payment method, technical data, and device information. 

 ❖ Optional Feature Information: Additional data you provide when using specific features or enhancements. 

 ❖  Anonymous or Unbranded Use: If you transact without logging in, we collect related data and may link it to your account if you register later.

 ❖  Customer Interactions: Including support requests, surveys, and general correspondence. 

 ❖  If you use our mobile app (e.g., on Android), and grant permissions, we may access SMS messages or device identifiers solely to enhance transaction recording and service delivery. 

 

2. Why Do We Retain Personal Data? 

We retain personal data only for as long as: 

        •  ❖ Required by law (e.g., tax, anti-money laundering, or regulatory obligations); 
        •  ❖ Necessary for business or contractual purposes; 
        •  ❖ Needed to maintain transaction records, security, fraud monitoring, or dispute resolution. 

Upon account closure, we may anonymize or securely store your personal data for a defined period in accordance with applicable retention policies. 

 

3. How Do We Use Personal Data? 

Vertex Pay uses personal data for the following purposes: 

        •  ❖ To deliver our services (e.g., processing payments, sending receipts, confirming disbursements) 
        •  ❖ To authenticate account access and manage account settings 
        •  ❖ To send updates, service notifications, and optional marketing communications (with opt-out options) 
        •  ❖ To detect, prevent, and respond to fraud or misuse of the system 
        •  ❖ To analyze and improve system performance and usability 
        •  ❖ To comply with applicable laws and regulations 
        •  ❖ To respond to customer support and complaint requests 
        •  

4.How Do We Use Cookies and Tracking Technologies? 

Vertex Pay uses cookies and similar technologies to: 

        •  ❖ Recognize you on subsequent visits; 
        •  ❖ Customize your experience; 
        •  ❖ Track usage metrics and troubleshoot; 
        •  ❖ Improve site performance and secure transactions. 
        • You may modify your browser settings to manage or disable cookies. However, disabling cookies may affect some functionalities. 
        • See our Cookie Policy for more information. 

5. How Do We Disclose Personal Data? 

We only share personal data: 

        •  ❖ With third-party service providers (e.g., KYC providers, payment processors) under strict confidentiality agreements; 

        •  ❖ With regulatory authorities as required by law or under lawful requests; 

        •  ❖ With other parties involved in transactions (e.g., merchants, banks) for payment processing; 

        •  ❖ In corporate transactions such as mergers, acquisitions, or sale of assets; 

        •  ❖ To prevent fraud, security breaches, or threats to public safety. 

We do not sell or share personal data with third parties for their own marketing purposes without your consent. 

 

6. How to Access & Control Your Personal Data 

Under the Kenya Data Protection Act, you have the right to:

  • ❖ Access your personal data 
  • ❖ Correct inaccurate or incomplete data 
  • ❖ Request deletion or restriction of your data 
  • ❖ Object to processing for certain purposes
  • ❖ Request data portability (in a readable, transferable format)

You can exercise these rights by emailing privacy@vertexpay.co or using the account settings tools provided within our platforms. 

 

7. How We Protect Your Personal Data 

We implement strict technical and organizational measures to secure your data, including:

  •  ❖ Encryption protocols (SSL) and tokenized data exchanges 
  •  ❖ Access controls and multi-factor authentication 
  •  ❖ Regular audits and compliance with international standards, such as PCI DSS and ISO 27001
  •  ❖ Firewalls and anomaly detection systems 

You are responsible for maintaining the confidentiality of your password and account access. Notify us immediately at support@vertexpay.co if you suspect unauthorized access. 

  •  8. How We Process Children’s Personal Data 

Vertex Pay services are intended for individuals aged 18 and above. We do not knowingly collect data from children. If you are under 18, please do not send any information about yourself to us, including your name, address, telephone number, or email address. No one under the age of 18 is allowed to provide any personal information to or on VertexPay. In the event that we learn that we have collected personal information from a child under age 18 without verification of parental consent, we will delete that information promptly. If you believe that we might have any information from or about a child under 18, please contact us at support@vertexpay.co  

 

9. International Transfers of Personal Data 

Due to our use of global service providers (e.g., cloud infrastructure), your data may be processed outside of Kenya. We ensure that:

  •  ❖ Any transfers comply with local data protection laws 
  •  ❖ Contracts and data protection safeguards are in place 
  •  ❖ Data is stored in jurisdictions with adequate legal protections 
  •  

10. Updates to This Policy 

We may update this Privacy Policy from time to time. Material updates will be communicated via:

  •  ❖ Notifications on our website or mobile app 
  •  ❖ Email or SMS to registered users 
  •  ❖ Revised “Last Updated” date on this document 

Your continued use of our services constitutes acceptance of any changes. 

 

11. How to Contact Us 

For privacy-related inquiries, complaints, or data access requests, contact: 

Data Protection Officer

📧 Support: support@vertexpay.co 

 

12. Definitions 

 ❖ User: Any individual, business, or entity using Vertex Pay’s services 

 ❖ Personal Data: Information that can be used to identify an individual (e.g., name, ID, phone, email, payment credentials) 

 ❖ Processing: Any operation on personal data, including collection, storage, analysis, transmission, or deletion 

 ❖ Device Information: Automatically collected data such as IP address, browser type, OS, or geolocation 

 ❖ Services: All products and platforms provided by Vertex Pay, including merchant tools, disbursements, mobile payments, APIs, and integrations