1. Introduction

MetroPay ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment processing services, virtual card solutions, and related financial technology platforms.

2. Information We Collect

We collect information that you provide directly to us, information we obtain automatically when you use our services, and information from third-party sources.

2.1 Personal Information

• Name, email address, and phone number
• Business information and tax identification numbers
• Bank account and payment card information
• Government-issued identification documents
• Billing and shipping addresses

2.2 Transaction Information

• Payment transaction details and history
• Virtual card usage and spending patterns
• Merchant and customer interaction data
• Dispute and chargeback information

2.3 Technical Information

• IP address, browser type, and device information
• Log data and usage statistics
• Cookies and similar tracking technologies
• Location data (with your permission)

3. How We Use Your Information

We use the information we collect to provide, maintain, and improve our services, including:

• Processing payments and issuing virtual cards
• Verifying your identity and preventing fraud
• Providing customer support and responding to inquiries
• Sending transaction confirmations and account notifications
• Analyzing usage patterns to improve our services
• Complying with legal obligations and regulatory requirements
• Marketing our services (with your consent)

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 Service Providers

We work with third-party service providers who perform services on our behalf, such as payment processing, data analysis, fraud detection, and customer service. These providers have access to your information only to perform specific tasks and are obligated to protect your information.

4.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities, such as a court order or subpoena.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement industry-standard security measures to protect your information, including encryption, secure socket layer (SSL) technology, and regular security audits. We are PCI DSS Level 1 certified and comply with international data protection standards. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Transaction data is typically retained for a minimum of seven years to comply with financial regulations.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access and receive a copy of your personal information
• Correct inaccurate or incomplete information
• Request deletion of your information (subject to legal requirements)
• Object to or restrict certain processing activities
• Withdraw consent for marketing communications
• Data portability to another service provider

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities. You can control cookies through your browser settings, but disabling cookies may limit your ability to use certain features of our services.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your country. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the "Last updated" date. Your continued use of our services after such changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

• Email: privacy@metropay.com
• Phone: +234 800 METROPAY
• Address: Data Protection Officer, MetroPay, Lagos, Nigeria