Data Protection Policy

1. Purpose and scope

PayBitt Technologies Limited ("PayBitt") is committed to protecting the personal data of our customers, partners, and website visitors. This Data Protection Policy describes how we collect, process, store, and protect personal data in accordance with applicable data protection laws, including the Data Protection Act 2012 (Act 843) of Ghana and other relevant regulations.

2. Data controller

PayBitt Technologies Limited is the data controller for the personal data we process. Our registered office is in Accra, Ghana. For data protection inquiries, contact us at privacy@paybitt.com.

3. Legal basis for processing

We process personal data only where we have a lawful basis: (a) consent; (b) performance of a contract; (c) compliance with legal obligations (including AML/KYC requirements); (d) legitimate interests pursued by PayBitt or a third party, where not overridden by your rights.

4. Categories of data we process

We may process: identity data (name, date of birth, ID documents); contact data (email, phone, address); financial data (payment history, account details) as necessary for our services; technical data (IP address, device information); and verification data required for KYC and AML compliance.

5. Data retention

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, regulatory, and reporting requirements. Retention periods may extend beyond the end of our relationship where required by law (e.g. AML record-keeping).

6. Data security

We implement appropriate technical and organisational measures to protect personal data against unauthorised access, alteration, disclosure, or destruction. This includes encryption, access controls, and regular security assessments.

7. Data sharing and transfers

We share data with our licensed bank and payment service provider partners as necessary to provide our services. We do not sell personal data. Where we transfer data outside Ghana, we ensure appropriate safeguards are in place.

8. Your rights

You may have rights to: access your data; correct inaccurate data; request erasure (subject to legal obligations); object to processing; restrict processing; and data portability. To exercise these rights, contact privacy@paybitt.com. You may also have the right to lodge a complaint with the Data Protection Commission.

9. Updates

We may update this policy from time to time. The current version is always available on our website. Continued use of our services after changes constitutes acceptance.

10. Contact

For questions about this Data Protection Policy, contact PayBitt at privacy@paybitt.com or via our contact page.