Privacy Policy

1. Introduction

LUOPAY (“we”, “our”, “our”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and share your data when you use our online payment services.

2 - Information we collect

We may receive information from payment partners and other third parties to complete transactions and verify identities.

When you create an account, request a quote or make transactions, we collect the following personal information, which is necessary for the proper management of our services and to meet legal obligations, in particular those relating to identity verification (KYC - Know Your Customer) and the fight against fraud:
- Full name
- First name
- Date of birth
- Email address
- Phone number
- Physical address
- Bank information (IBAN, card number) and payment information
- Company information (company name, address, trade register, tax identification number, etc.)

This information is essential to ensure compliance with local and international regulations, especially in the fight against money laundering and the financing of terrorism (AML/CFT).

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

2.2 - Information collected automatically

When you interact with our website or applications, we automatically collect certain information about your device and your use of our services, such as:
- IP address
- Connection data (timestamp, connection duration)
- Information about the browser used and the operating system
- Cookies (see the section on cookies for more details)
- Information relating to the use of our services (browsing history, actions on the site)

This information is collected to help us understand how our users interact with our services in order to continuously improve our platform.


2.3 - Information from third parties

We may also receive information about you from third parties, including, but not limited to, payment partners, identity verification agencies, and financial service providers. This information is used for KYC/AML checks, payment services, and to prevent fraud.

3 - Use of information

We use your information for the following purposes:

- Payment processing and transactions: to execute your payment orders, manage currency conversions and monitor international transactions.
- KYC verification and compliance: to verify your identity in accordance with legal obligations, in particular with regard to the prevention of fraud and illicit activities.
- Service improvement: to analyze the use of our services and improve their performance, security and reliability.
- Customer support: to handle your requests, solve the problems encountered, and offer you fast and effective assistance.
- Compliance with legal obligations: to comply with our obligations in terms of regulation, the fight against fraud, and financial security (RGPD, AML/CFT).

4 - Sharing information

We share your information with third party payment partners to process transactions and perform currency conversions. These partners are required to protect your information in accordance with applicable laws and their own privacy policies.
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Your information is shared with third party payment and financial services partners as part of transaction processing and currency conversions. These partners are subject to strict legal data protection obligations, and they are required to protect your information in accordance with the GDPR and their own privacy policies.


4.2. Service providers
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We work with service providers (such as cloud hosts, payment providers, and KYC service providers) who act on our behalf to process your data. We require these providers to comply with the same data protection standards as us and to comply with all applicable regulations.


4.3. Legal obligations
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In some cases, we may need to disclose your personal information if required by law (for example, in response to a court order, regulatory request, or to protect our rights, property, or safety).


4.4. International data transfer
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Your personal information may be transferred outside of the European Economic Area (EEA) to countries where data protection laws may be different. In this case, we put in place adequate guarantees to ensure that your data benefits from a level of protection equivalent to that in force in the EEA (for example, via standard contractual clauses or recognized certification mechanisms).

5 - Data security

We implement technical and organizational security measures to protect your information from unauthorized access, disclosure, modification, or destruction. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.
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- Encrypting data in transit and at rest.
- The use of firewalls and intrusion detection solutions.
- Regular audits of our security systems.

However, it is important to note that no method of transmission over the Internet or electronic storage is completely secure. Therefore, we cannot guarantee absolute data security.

6. Your rights

Depending on where you live, you may have the following rights:

- Right of access: You can request access to the personal data that we hold about you.
- Right to rectification: You have the right to request the correction of your information if it is inaccurate or incomplete.
- Right to erasure: You can request the deletion of your personal data under certain conditions.
- Right to limitation: You can request the restriction of the processing of your data in certain situations.
- Right to object: You have the right to oppose certain processing of your data, in particular for direct marketing purposes.
- Right to portability: You have the right to receive your personal information in a structured, commonly used and machine-readable format.

To exercise your rights or if you have any questions about your data, please contact us at the address mentioned below.

7. Cookies and similar technologies

We use cookies and other similar technologies to improve your user experience and to analyze the use of our website. You can manage your cookie preferences through your browser settings.

8. Changes to the Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with an updated revision date. We encourage you to review this policy regularly to stay informed about how we are protecting your information.

9. Contact

If you have any questions or concerns about this Privacy Policy or your personal information, please contact us at: LUOPAY

- Email: mansour.samb@luopay.co
- Telephone: +221 78 967 62 61