Privacy Policy

1. Who We Are

Paebs Payments Ltd. is the data controller for the personal data we process. We are registered in the Republic of Seychelles under registration number 238855, with our registered office at Suite 4, Premier Building, Revolution Avenue, Victoria, Mahé, Seychelles.

2. Information We Collect

We collect the following categories of personal data:

Account Information

• Name, email address, phone number
• Business name and registration details
• Address and country of residence
• Identity verification documents
• Bank account information

Transaction Data

• Payment card details (processed securely)
• Transaction amounts and dates
• Merchant and customer identifiers
• Billing and shipping addresses

Technical Data

• IP address and browser type
• Device information
• Usage data and analytics
• Cookies and similar technologies

3. How We Use Your Information

We use your personal data for the following purposes:

• Service Provision: To provide, maintain, and improve our payment services
• Identity Verification: To verify your identity and comply with KYC requirements
• Fraud Prevention: To detect and prevent fraudulent transactions
• Legal Compliance: To comply with applicable laws and regulations
• Communication: To send service updates and respond to inquiries
• Analytics: To understand how our services are used and improve them

4. Legal Basis for Processing

We process your personal data based on:

• Contract: Processing necessary to fulfill our contract with you
• Legal Obligation: Processing required by law (e.g., AML regulations)
• Legitimate Interest: Processing for fraud prevention and service improvement
• Consent: Where you have given specific consent for marketing communications

5. Data Sharing

We may share your data with:

• Payment Networks: Visa, Mastercard, and other card schemes
• Banking Partners: To process payouts and banking services
• Service Providers: Cloud hosting, analytics, and support services
• Regulators: Financial regulators and law enforcement when required
• Professional Advisors: Lawyers, auditors, and accountants

6. International Transfers

Your data may be transferred to countries outside of your jurisdiction. When we transfer data internationally, we ensure appropriate safeguards are in place, including Standard Contractual Clauses and equivalent protections.

7. Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal obligations. Generally:

• Account data: For the duration of your account plus 7 years
• Transaction records: 7 years (legal requirement)
• Marketing preferences: Until you withdraw consent

8. Your Rights

Under applicable data protection laws, you have the right to:

• Access: Request a copy of your personal data
• Rectification: Correct inaccurate data
• Erasure: Request deletion of your data (subject to legal obligations)
• Restriction: Limit how we use your data
• Portability: Receive your data in a portable format
• Objection: Object to certain processing activities
• Withdraw Consent: Where processing is based on consent

To exercise these rights, please contact us at info@paebs.co.

9. Security

We implement appropriate technical and organizational measures to protect your personal data, including:

• PCI DSS Level 1 certification
• Encryption of data in transit and at rest
• Access controls and authentication
• Regular security assessments
• Employee training on data protection

10. Cookies

We use cookies and similar technologies to improve your experience. Please see our Cookie Policy for more information.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by email or through our platform.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, contact our Data Protection Officer:

You also have the right to lodge a complaint with the relevant data protection authority in your jurisdiction.