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Effective Date: October 25, 2024

This “Privacy Policy” describes the information we process for the provision of products and services accessible via KPpay and the measures we have put in place to protect it. It is intended to inform you of the methods used by KPpay to collect, use and protect your personal data, as well as your rights with regard to the protection of personal data, in accordance with the legislation in force in the OHADA region.

By using KPpay services, you accept the practices described in this privacy policy. Please read it carefully and contact us if you have any questions.

Data Controller

The party responsible for processing your personal data is KPpay, a subsidiary of K POLYGONE, located at [company address], registered under number [registration number]. You can contact us at the following address: [contact e-mail address].

Contact details of the Data Protection Officer

You can contact our Data Protection Officer at the following e-mail address: kppay@k-Polygone.com.

Personal data collected

Directly Collected Data

We collect the following information when you create an account and use our services::

Personal details: full name, date of birth, nationality, family and professional situation.
Contact details: postal address, e-mail address, telephone number.
Contractual information: details of the products and services we have provided to you.
Identification documents: copies of identity documents (national identity card, passport), proof of address.
Financial data: transaction details, account movements.
Communications: correspondence, e-mails and recordings of telephone conversations with our customer service department.

Indirectly collected data

Location data: IP address, location data from your mobile device.
Technical data: information on the device used (model, operating system).
Usage data: information about how you use our services.

Purposes of Data Processing

Your personal data is collected and processed for the following purposes:

Contract performance

Account management: create and manage your KPpay account.
Transaction processing: execution of payments, money transfers and other financial operations.
Customer service: assistance, request management and problem resolution.

Compliance with legal and regulatory requirements

Fighting fraud : fraud prevention, detection and management.
Anti-money laundering and combating the financing of terrorism: compliance with legal obligations in terms of monitoring and reporting.
Compliance: respect for applicable laws, including local tax and regulatory requirements.

Legitimate Interests

Service improvement: data analysis to improve and personalize our products and services.
Security: protecting your information and our systems from unauthorized access.

Legal basis for processing

The processing of your personal data is based on :

Contract performance: necessary for the provision of KPpay services.
Legal requirements: necessary to comply with local legal requirements.
Legitimate interests: to improve our services and ensure their security.
Consent: for marketing communications and the use of certain sensitive data.

Data Sharing and Communication

Internal recipients

Only authorized employees have access to your data in the course of their duties.

Partners and subcontractors

We may share your data with :

Service providers: for payment processing, identity verification, customer support, etc.
Financial partners: banks and financial institutions to facilitate transactions.
Public authorities: in response to legal or regulatory requirements.

International Data Transfers

If we transfer your data outside your country, we ensure that appropriate measures are in place to protect your information.

Data retention period

We keep your data for as long as necessary for :

Providing services: for the duration of our contractual relationship.
Comply with legal obligations: data may be kept for 7 years after the end of the contractual relationship.
Legitimate interests: for the purposes of evidence and legal defense.

Data security

We take measures to protect your data against loss, misuse and unauthorized access:

Technical measures: firewalls, encryption, access controls.
Organizational measures: internal policies, staff training.

Your Rights

Right of access

You may request a copy of the personal data we hold about you.

Right of Rectification

You can request the correction of inaccurate or incomplete data.

Right to erasure

You may request the deletion of your personal data, subject to legal obligations.

Right to object

You may object to the processing of your data for legitimate reasons.

Withdrawal of Consent

You may withdraw your consent at any time for processing based on this consent.

Exercising your rights

To exercise your rights, please contact us at the following address: kppay@k Polygone.com.

Cookies and Similar Technologies

Use of Cookies

We use cookies to improve your user experience and for statistical analysis.

Cookie management

You can configure your browser to refuse cookies. This may affect certain features of the site.

Children's privacy

Our services are not intended for persons under the age of 18. We do not intentionally collect data from minors without parental consent.

Changes to the Privacy Policy

We may change this privacy policy. Changes will be effective when posted on our site. We will notify you of any material changes.

Contact

If you have any questions or concerns, please contact us :

Address: [KPpay address]
E-mail : kppay@k-Polygone.com
Telephone: [Customer service telephone number].

Data Protection Authority

If you feel that your rights have not been respected, you can contact the data protection authority in your country.