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Privacy Policy

Last updated: March 26, 2026

1. Introduction

Shifupay ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and mobile application (the "Service"). Please read this policy carefully. By using the Service, you consent to the practices described in this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

  • Account Information: Name, email address, phone number, and password when you create an account.
  • Identity Verification: Government-issued ID, proof of address, and other documents required for KYC compliance.
  • Transaction Information: Details of transactions you initiate, including amounts, currency types, payment methods, account IDs, and proof of payment.
  • Payment Details: Payment method information such as mobile money numbers and bank account details.
  • Communications: Messages sent through our support chat, emails, and any other communications with us.

2.2 Information Collected Automatically

  • Device Information: Device type, operating system, unique device identifiers, and push notification tokens.
  • Usage Data: Pages visited, features used, time and date of access, and interaction patterns.
  • Log Data: IP address, browser type, referring/exit pages, and crash data.

3. How We Use Your Information

We use the information we collect to:

  • Provide, operate, and maintain the Service.
  • Process your transactions and send related notifications.
  • Verify your identity and comply with KYC/AML requirements.
  • Send you transaction confirmations, status updates, and administrative messages.
  • Send push notifications about transaction updates and important account activity.
  • Respond to your inquiries and provide customer support.
  • Detect and prevent fraud, unauthorized access, and other illegal activities.
  • Improve and personalize the Service.
  • Send marketing communications (with your consent), such as newsletters and promotions.

4. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

  • Service Providers: Third-party services that help us operate the platform, including payment processors, email services, cloud hosting, and push notification providers.
  • Legal Requirements: When required by law, regulation, legal process, or governmental request.
  • Protection of Rights: To protect the rights, property, or safety of Shifupay, our users, or the public.
  • Business Transfers: In connection with a merger, acquisition, or sale of assets.

5. Data Security

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

  • Encryption of data in transit and at rest.
  • Secure authentication mechanisms with session management.
  • Regular security assessments and monitoring.
  • Access controls limiting who can view personal data.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with the Service. We may also retain certain information as required by law, for legitimate business purposes (such as resolving disputes and enforcing our agreements), or as needed for regulatory compliance. Transaction records may be retained for a minimum of seven (7) years as required by financial regulations.

7. Your Rights

You have the right to:

  • Access: Request a copy of the personal data we hold about you.
  • Correction: Request correction of inaccurate or incomplete personal data.
  • Deletion: Request deletion of your account and personal data (see Section 8 below).
  • Withdraw Consent: Withdraw your consent for marketing communications at any time.
  • Data Portability: Request your data in a structured, commonly used format.

To exercise any of these rights, please contact us at sales@shifupay.net.

8. Account Deletion

You may request to delete your Shifupay account and associated personal data at any time using one of the following methods:

Method 1: In-App / Website

  1. Log in to your Shifupay account on the website or mobile app.
  2. Navigate to Settings > Profile.
  3. Scroll to the bottom and tap/click "Delete Account".
  4. Confirm your decision when prompted.
  5. Your account will be scheduled for deletion.

Method 2: Email Request

  1. Send an email to sales@shifupay.net from the email address registered to your account.
  2. Use the subject line: "Account Deletion Request".
  3. Include your full name and registered email address in the body.
  4. We will process your request within 30 days.

Important Notes

  • All pending transactions must be completed or cancelled before deletion can proceed.
  • Account deletion is permanent and cannot be reversed.
  • Upon deletion, your personal data will be removed from our active systems. However, certain data may be retained in anonymized form or as required by law (e.g., transaction records for regulatory compliance).
  • Any active signal subscriptions will be cancelled upon account deletion.

9. Push Notifications

We may send push notifications to your mobile device to provide transaction updates, security alerts, and other important information. You can manage your notification preferences in the app settings or through your device settings. Opting out of push notifications will not affect the delivery of essential account and security notifications via email.

10. Cookies and Tracking

We use cookies and similar technologies to maintain your session, remember your preferences, and improve the Service. Essential cookies are required for the Service to function. You can manage cookie preferences through your browser settings, though disabling certain cookies may affect functionality.

11. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal data from a child, we will take steps to delete that information promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We will notify users of significant changes via email or in-app notification. Your continued use of the Service after any changes constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

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