« PAYESHA » PRIVACY POLICY

Your personal data are protected by law number 2013-450 of June 19, 2013 relating to the protection of personal data in the Republic of Côte d'Ivoire. PAYESHA SARL hereinafter referred to as ("PAYESHA") processes your personal data in accordance with this law. Your personal data is used for the purposes of simplifying the use of the PAYESHA application and improving the service. We want to give you the ability to make the best decisions about the information you share with us.

Your privacy is very important to us. PAYESHA undertakes not to rent, sell or share your personal data, except in accordance with the policy used by it in this matter. PAYESHA receives your information through various websites, mobile applications and third parties (the “Services”). By agreeing to said Privacy Policy and Terms of Service, you consent to the collection, storage, use and disclosure of your personal information as described in the privacy policy. 

  1. Legal Notice

• Company name: PAYESHA SARL;

• Share capital: 5,000,000 CFA francs;

• Headquarters: GYAM Residence, 7th floor Porte E, Plateau, Abidjan (Côte

Ivory);

• Electronic mail: info@PAYESHA.com;

• Telephone number: +225 05 05 34 03 03/ +225 27 24 35 60 55;

• Number of the Trade and Personal Property Credit Register: CI-ABJ-03-2016-B12-

27079;

• Taxpayer account number: 1652341M;

• Approval number for the processing of personal data: 2020-0529, issued by the ARTCI.

  1. Collection and use

We collect “non-personal data” and “personal data” to provide and measure the use of our services and to improve them over time.

Information Collected During Registration: When you create or reconfigure an account on our services, you provide personal information, such as your name, email address, phone number, and password. You can change your personal information and add optional additional information in the account settings (mobile app). By registering, you authorize us to collect, store and use this personal data in accordance with the Privacy Policy.

Information Generated While Using the Services: Our services are designed to allow you to purchase articles and send money. As such, we may collect additional personal information such as your contact list in order to facilitate transactions and to comply with the law.

Information Collected Through Technology: In an effort to improve the quality of services, we track information provided by your browser or our services when you use the services, such as the website you came from, the type of browser you use, how you interact with links through our services, time and date of access, and other information that does not identify you personally. We track this information using cookies or small text files that include a unique and anonymous identifier. Cookies are sent to a user's browser from our servers and are stored on the user's hard drive. Sending a cookie to a user's browser allows us to collect non-personal information about that user and to keep a record of user preferences while using our services, both on a individual than global. You can instruct your browser, by modifying its options, to stop accepting cookies or to warn you before accepting a cookie from the websites you visit. We collect this data to help improve our services, including advertising, and to be able to share aggregate statistics.

Information Collected by Third Party Services: PAYESHA uses a variety of services hosted by third parties to help provide our services and to help us understand the use of our services, such as Google Analytics. These services may collect information sent by your browser as part of a web page request, such as cookies or your IP address.

3. Information sharing and disclosure

PAYESHA only discloses your private data in the circumstances described below:

Your Consent: We may share or communicate your information with your consent, such as when you use a third party web application to access your Account on our services.

Service Providers / Sub-Distributors: We engage trusted third party agents to perform functions and provide services for us. We may share your personal information with these third parties, but only to the extent necessary to perform those functions and provide such services, and under obligations reflecting the protections of this Privacy Policy.

Law: We may retain or disclose your information if we believe it is reasonably necessary on instructions from judicial, law enforcement, Issuers and / or BCEAO authorities to comply with any law, regulation or legal request; to protect the safety of all persons; to fight against fraud, security or technical issues; or to protect the rights or property of PAYESHA.

Company Transfers: If PAYESHA, or substantially all of our assets are acquired, or in the unlikely event that PAYESHA goes out of business or goes bankrupt, Clients' personal data would be one of the assets that is transferable or acquired by a third party. You acknowledge that these transfers may occur, and that any PAYESHA acquirer may continue to use your personal data in accordance with this policy.

Non-private or non-personal information: We may share or disclose your aggregated or otherwise non-personal and non-private information, such as the number of users who have clicked on a particular link.

4. Use of Cookies and other means of tracking

We use “cookies” and other tracking means to help us recognize you, remember your preferences, and facilitate your future transactions and other interactions with us. We also use such trackers to help us understand consumer behavior on our app, to help us improve it and make it easier for future use. You may be able to disable the use of cookies on your device, but this could slow down or prevent your ability to use the PAYESHA service.

5. Your right to access and correct your personal information

You have the right to access your personal information stored by PAYESHA, subject to the provisions of Law No. 2008-12 of January 25, 2008 and subsequent laws, and in accordance with the applicable data protection regulations and PAYESHA's policies to prevent fraud and other abuse of financial services. To do this, you can contact us. If the information we have kept about you is false, incomplete or inaccurate, you have the right to demand that we correct it or that you correct the information yourself directly in the application.

6. Destruction of information

We will keep information on each transaction for a period of ten (10) years in accordance with the provisions of BCEAO Instruction No. 008-05-2015 and subsequent laws and regulations. After this period, PAYESHA may destroy this information and it will no longer be available to you or to anyone else.

7. Modification of the Privacy Policy

PAYESHA's privacy policy may change in the future. If this happens, the revised version will be posted on our website, and will be sent to current users via the email addresses associated with their registrations in the PAYESHA app.

8. Consent 

By using our app, you consent to our privacy policy.