PalmPay and our affiliate companies (together "PalmPay" or "We" or "Our") are totally committed to protecting and respecting your privacy.
When you sign up and use PalmPay (via our website or Google Play Store), you accept the terms described within this agreement.
In this policy "information" refers to any confidential and/or personally identifiable or other information related to users of PalmPay services.
When you register for PalmPay we will create an account for you on the PalmPay service, the:
The PalmPay service enables you to send and receive money with PalmPay customers, purchase airtime and pay bills.
Information which may be collected from you
A - Customer information
To use the PalmPay Services, you must provide customer information via our registration, account upgrade or profile forms.
This information includes, but it is not limited to:
Additional information may be requested to participate in social media functions on our site, promotions or surveys and when you contact us to report a problem on our site.
If you communicate with our Customer Services team via e-mail, Live Chat or telephone your conversations may be recorded and stored for training and record keeping purposes. We use this information to measure and improve our Service quality.
B - Device information
The following information may be collected from you automatically when you use the PalmPay mobile app, but it is not limited to:
We use this information to protect our customer, enhance the services we offer and to help us understand how people use the Service.
C - Location information
Certain PalmPay features may require location information from your device’s GPS. With your consent this information will be collected for these services. You will be required to grant consent.
D – Analytics
We may use in-app analytics technologies, like Google Analytics, to help improve and simplify the overall app, design and service. These tools track aggregated information about in app usage, provide performance measurements and allow better reporting on application failures.
We record when you install or uninstall PalmPay to help us track who is using the Service.
E – Tracking and Cookies
A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns.
PalmPay integrates to 3rd parties to provide you with an end to end Service, these providers follow the practices outlined in this Policy. PalmPay’s service providers are used to:
Where we work with service providers to process payments, we may share information with the provider including:
We use this information to confirm to the vendor that you are a PalmPay customer and that the vendor should process the payment on your behalf.
PalmPay reserves the right to change to change service providers without notifying our customers.
Where PalmPay provides access to additional services, you will be responsible for agreeing to the Terms and Conditions for these 3rd parties. We can provide no guarantee or warranty for the way in which these 3rd parties use your information.
How your information may be used
To process payments on PalmPay, we need to share some of your personal information with the person or company with whom you are transacting. This information may include:
We will not expose your credit/debit card number or bank account number to anyone you have paid or who has paid you through PalmPay, except with your express permission or if we are required to do so to comply with a subpoena or other legal action.
We collect and store personal information about you to comply with the relevant financial regulations.
Apart from the circumstance of complying with a Court Order, Arbitral Panel, Tribunal, Regulatory Directive or Order or any other legal or regulatory obligation, we do not disclose information about identifiable individuals to other parties, but we may provide them with anonymous aggregate information, such as the number of people of a certain age or sex who have taken out a loan of a certain amount within a particular timeframe, for example.
Where we use a 3rd party service, with your consent, we may share your information in order to offer the service or improve the experience of that service.
How Information may be disclosed
You information may be shared in the following cases:
Where your personal information is stored
PalmPay is entirely committed to protecting the information we collect from you. We maintain appropriate administrative, technical and physical safeguards (i.e. firewalls, data encryption, competent security guards, etc). These processes are in place to prevent accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use of your information.
PalmPay is required to retain the details of transactions or payments you make via PalmPay after the transaction is completed. We will store these transactions for the required period under the financial regulations the jurisdiction.
You are responsibile for protection of your password or PIN in its entirety as communicated in our Terms and Conditions. You must not share your PalmPay password or PIN with anyone.
We will never request for your passwords via email or SMS or any other means. In the event you receive such communication, please disregard and forward to email@example.com(NG), firstname.lastname@example.org(GH).
In the event you share your password with a third party, you will be held responsible for the consequences. If you believe your password or PIN has been compromised, please change it immediately and contact us.
We will use your data for the purposes of collecting statistics relating to our user base and may disclose such information to any third party for such purposes, provided that such information will always be anonymous.
Should we wish to use your information for marketing purposes, we will inform you prior to such use. You shall be entitled to prevent such usage by informing us, within 10 days of being informed of the proposed use, that you do not wish to disclose such information. You can also exercise the right at any time by contacting us at email@example.com(NG), firstname.lastname@example.org(GH).
To contact us please send an email to email@example.com (NG), firstname.lastname@example.org(GH), or call us on 0700 PALM HELP (0700 7256 4357) for Nigeria, 0800 PALMGH (0800 7256 44) for Ghana..