1. General

1.1. Our Privacy Policy

EziPay Payments is committed to protecting your information and respecting your privacy. This Privacy Policy together with the EziPay Payments Account Terms of Use (and any other documents referred to therein) set out the basis on which any personal data we collect from you, or which you provide to us, through our website www.ezipaygh.com (‘Website’) or in connection with your EziPay Payments Account (as defined in the EziPay Payments Terms of Use) will be processed by us. When you complete any form, speak with our staff or submit any details to us or using our Website, we will collect, use and disclose your personal information in the manner described in this Privacy Policy.

1.2. Changes to this Privacy Policy

Any changes we make to this Privacy Policy in the future will be posted on this page. Any new Privacy Policy will be effective from the time that it is posted on the Website. We reserve the right to make changes to our Privacy Policy at any time, without notice, where such change is required by applicable legislation. If we are going to use your personal data in a manner that is different from the uses set out below, we will notify you by email. You may object to any new use or change in use of your personal data by contacting us as set out in section 10 (Contact Us) below. We will treat such objection as a notice to terminate your EziPay Payments Account which will be closed in accordance with the EziPay Payments Account Terms of Use.

2. Information We Collect

2.1. Information We Collect from You

We may collect and process the following data about you: your full name, address, email address, telephone number, date of birth and bank or payment card details and any proof of your identity and/or address that we may request, details of any transactions you carry out through our Website using your EziPay Payments Account and of the fulfilment of your requests, details of any bank account (including, but not limited to, account holder, account name, account number, sort code (if any), online banking PIN, Transaction Authentication Number ‘TAN’ and password, available balance and Transaction History of your bank account,), details of any credit, debit or other card used by you for transactions, your participation in any promotion sponsored by us, correspondence that you send us, calls that we make to you or you make to us, surveys that you complete, information collected through cookies’ please see section 9 Cookies for more details, your IP address, log-in times, operating system and browser type, details of your visits to our Website including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access whilst visiting our Website.

2.2. Information We Collect from Third Parties about You

In order to fulfill our legal obligations to prevent fraud and money laundering, we will obtain information about you from third party agencies, including your financial history, county court judgments and bankruptcies, from credit reference and fraud prevention agencies when you open a EziPay Payments Account and at any time when we feel it is necessary to prevent fraud and minimize our financial risks. Please refer to our Money Laundering Policy for further details.

3. How We Use Your Information

We use information held about you in the following ways: to operate and administer your EziPay Payments Account and to provide services that you have requested, to carry out your instructions to make and receive payments and undertake transactions using our services, including verifying that you have sufficient funds in your nominated bank account to make such payments, to allow you to participate in interactive features of the Website, to notify you about changes to our service(s), to improve our internal customer training, to comply with financial services regulations including retention of financial information and transactions, for financial and identity checks, fraud prevention checks, anti-money laundering and credit checks, for customer service, including answering questions and responding to feedback and complaints, to enhance the security of our services, to ensure that content on our Website is presented in the most effective manner for you and for your computer, and to provide you with information, products or services that you request from us or which we feel may interest you.

4. Storing Your Personal Data

4.1. Retention

We are by law required to retain certain records for a period of at least five years after closure of your EziPay Payments Account which will include your personal data such as your name, contact details, customer number and Transaction History etc. Otherwise, we will delete and destroy all personal data that we hold about you when you (or we) terminate your EziPay Payments Account. We do not store your online banking login PIN, TAN and password.

5. Disclosure of Your Information

5.1. Group Companies

We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries who are based in different countries within the EEA and in the USA. This may be necessary in order to, among other things, fulfill your request, process your payment details, provide support services and monitor fraudulent activities.

5.2. Merchants and other EziPay Payments Customers

When sending money to another EziPay Payments Account holder or a merchant who you wish to pay we will, at a minimum, pass on your email address to the recipient. Depending on the requirements of the merchant and the type of payment involved, we may also send other personal details such as your name, address and country of residence if the recipients request this information from us in order to improve the payment process, to reconcile payments with the commercial transaction or to conduct their own anti-fraud and anti-money laundering checks.

5.3. Fraud and Credit Reference Agencies

When you open a EziPay Payments Account, at intervals of up to every 3 months and at any other time we feel it is necessary to do so to protect our financial interests and prevent money-laundering or fraud, we share certain information about you and your EziPay Payments Account, financial history and transactions as part of our normal business operations with our banks, payment facilitator partners, credit/debit card processing services, identity verification service providers and credit reference agencies to identify and verify users, to limit our exposure to fraud and other criminal activities and to manage our financial risk. We can provide you with a list of the credit reference agencies we use upon your written request to the email address set out in the Contact Us section below. When conducting identification or fraud prevention checks, the relevant parties may retain a record of our query along with your information and may share this information with other fraud prevention agencies. If you want to know what information these companies hold about you, you can write to them to request access to your information. Please refer to our Money Laundering Policy for further details.

5.4. Other Disclosures

We may also disclose your personal information to: a prospective buyer of our business or a buyer of a substantial number of the shares in our business, the police, other lawful enforcement body, regulatory body or court if we are under a duty to disclose or share your personal data , or to protect the rights, property, or safety of ourselves or our group companies, our customers, or others, third parties where you have expressed an interested in receiving information about their goods and services, and third parties who referred you to us initially and to whom we owe a commission payment as a result of the referral. Where the commission payment is based on transaction volumes, numbers or types of transactions, we may share that information with that third party, but we will not disclose the full details of each of your transactions without your further written consent.

6. Communicating With You

We may contact you by email to the primary email address registered with your EziPay Payments Account or by telephone to the contact telephone numbers you have provided when registering for your EziPay Payments Account. You can change your primary email address and/or contact telephone number at any time, subject to the provisions of section 8 below. You may also receive system-generated transactional emails such as confirmation of uploads, notification of receipt of payments, notification of password changes etc. which are necessary for the proper operation and administration of your account.

6.1. Newsletters and Marketing

As a EziPay Payments Account holder, you will occasionally receive information by email from us, unless you have chosen not to receive such communication, and if you have consented to do so from our group companies too, about products, services and special deals which we think will be of interest to you via our newsletter. You can change whether or not you receive newsletters from us and our group companies in the ‘Profile’ section of your EziPay Payments Account or in any newsletter email by clicking on the appropriate ‘opt-out’ link. Please note that you will still receive communication regarding your EziPay Payments Account such as transactional emails or other notification affecting the operation of your EziPay Payments Account or our legal relationship. From time to time we do share aggregated information about our customers’ use of our website and services with other companies for research and analysis purposes, but you cannot be identified from this aggregated information.

6.2. Phishing

Phishing is the name given to attempts to steal personal details and financial account details from a website user. ‘Phishes’ use fake or ‘spoof’ emails to lead users to counterfeit websites where the user is tricked into entering their personal details, such as credit card numbers, user names and passwords. WE WILL NEVER SEND EMAILS ASKING YOU FOR SUCH DETAILS AND OUR STAFF WILL NEVER ASK YOU FOR YOUR PASSWORD. If you do receive such an email or are asked for your password by anyone claiming to work for us please forward the email or report the incident by email to our Data Protection Officer (contact details are at the end of this policy) or by contacting Customer Services.

7. Links to Other Websites

Our Website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

8. Accessing and Updating Your Information

If your personal details (such as your first and last name) change you must update your details in the “My Profile” section of your EziPay Payments Account or by contacting Customer Services via the ‘Contact’ section of the Website as soon as you can. We shall not be liable for any loss arising out of your failure to keep your personal details up to date. Your address and phone number can only be changed once in any 3 month period. In order to deactivate your EziPay Payments Account, please refer to the EziPay Payments Account Terms of Use. You have the right to access information that we hold about you. To do so, please contact us at the address given at the end of this policy. Access may be subject to a fee of up to GHS 50.

9. Cookies

9.1. General

A cookie is a small data file which contains information that is transferred to the hard drive of the device from which you access our site. For more comprehensive information about how cookies work, see https://www.allaboutcookies.org. Cookies are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

9.2. Types of Cookies and Consent

In order to comply with legislation, we have reviewed the use of cookies on our site and have implemented measures to ensure that you are aware of these cookies and give your consent for placing of some or all of these cookies, except for those which are necessary for the services you have requested (as explained below). In summary, we use the following types of cookies: cookies which are essential for our site to operate, such as those which identify you so you can log into your EziPay Payments Account. These cookies will always be activated, cookies which are necessary to assist in meeting our regulatory compliance obligations, such as anti-money laundering and anti-fraud obligations, and prevent your EziPay Payments Account from being hijacked. These cookies will always be activated, cookies that help us to improve our site and to deliver a better and more personalized service to you; cookies that enable us to link to our group companies’ websites; some cookies are not related to us or our group companies. When you visit a page with content embedded from, for example, YouTube or Twitter, you may be presented with cookies from these websites. We do not control the dissemination of these cookies, you should check the third party websites for more information about these cookies.

9.3. Blocking Cookies

You can block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site. Our system will issue cookies as soon as you visit our site unless you have adjusted your browser setting so that it will refuse cookies.

10. Contact Us
Contact EziPay
EziPay Ghana Limited
Plot 3
dade link off of dade street, Cantonments, Accra-Ghana
Contact us: +233 275762461/264099742/202933156 or info@ezipaygh.com
FAQ Terms & Conditions Private

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