PRIVACY POLICY AND COOKIE
NOTICE
Last Updated: 12.02.2026
MAOPAY is a brand and platform
operated by Payfio Gateway Limited ("MAOPAY", "we", "our", or "us"). We are
committed to respecting and protecting your privacy. This Privacy Policy
outlines how we collect, use, share, and protect your personal data when you
interact with our website Maopay: Payments That Don't Ask for Permission
("Website").
1. GENERAL PROVISIONS
This Policy applies exclusively
to visitors and users of the Website, including individuals and legal entities
("you", "your"). MAOPAY acts as the data controller for information collected
and processed through the Website. Your use of our Website constitutes your
agreement to this Policy. If you do not agree with any part of this Policy,
please discontinue use of the Website immediately. We prioritize compliance with
applicable privacy laws, including applicable data protection regulations, and
we commit to handling all personal data collected via the Website with care,
transparency, and integrity. This Policy does not govern the data processing
activities related to the provision of our payment services under a Services
Agreement. Those activities are governed by separate contractual and regulatory
frameworks.
2. INFORMATION WE COLLECT
We collect both personally
identifiable information (“Personal Data”) and non-identifying data (“Anonymous
Data”) through a variety of sources and interactions with you. The nature and
scope of data collected depend on how you use our services.
a) Information You Provide Directly
This includes any data you voluntarily provide when registering an account, submitting inquiries, completing forms, or engaging with customer support. Examples include:
b) Information Automatically Collected
When you access our website or use our Website, we may collect:
c) Data from Third Parties
We may collect or verify data through third-party providers such as identity verification services, credit bureaus, analytics services, financial institutions, and compliance screening tools. This ensures secure access and regulatory compliance.
a) Information You Provide Directly
This includes any data you voluntarily provide when registering an account, submitting inquiries, completing forms, or engaging with customer support. Examples include:
- Full name, business name, job title
- Email address, telephone number, address
- Any documents or messages shared via upload or messaging functions
b) Information Automatically Collected
When you access our website or use our Website, we may collect:
- IP address and approximate geolocation
- Browser and device information
- Time zone, language settings
- Referrer URL, session duration, clickstream behavior
- Data logs, crash reports, and usage patterns
c) Data from Third Parties
We may collect or verify data through third-party providers such as identity verification services, credit bureaus, analytics services, financial institutions, and compliance screening tools. This ensures secure access and regulatory compliance.
3. PURPOSES AND LEGAL BASES FOR
PROCESSING
We only process personal data
when there is a lawful basis to do so. The table below provides examples of
common use cases, the legal justification, and retention details.
We rely on your express consent where
required by law, and you may withdraw that consent at any time without affecting the
lawfulness of processing based on prior consent.
4. USE OF COOKIES AND TRACKING
TECHNOLOGIES
Cookies are small text files stored on
your device to help websites remember information about your visit. We use cookies and
similar technologies to:
Our use of cookies includes both session cookies (which expire when you close your browser) and persistent cookies (which remain until manually deleted or expired). Third-party cookies may also be deployed for analytics or advertising purposes.
You can manage cookies through your browser settings or device controls. Please note that disabling cookies may reduce functionality and affect your user experience.
- Authenticate users and enable secure logins
- Store user preferences and settings
- Analyze how users interact with our Website
- Detect and prevent fraudulent behavior
- Display tailored advertisements (only with consent)
Our use of cookies includes both session cookies (which expire when you close your browser) and persistent cookies (which remain until manually deleted or expired). Third-party cookies may also be deployed for analytics or advertising purposes.
You can manage cookies through your browser settings or device controls. Please note that disabling cookies may reduce functionality and affect your user experience.
5. HOW WE USE YOUR INFORMATION
We use your personal information to
provide, operate, and enhance the MAOPAY Website and services. Specifically, we may use
it to:
Your data may be processed manually or using automated systems, and in both cases we maintain strict access controls and review procedures.
- Create and manage your user account or business profile
- Facilitate financial transactions, including payments and transfers
- Authenticate users and prevent unauthorized access
- Respond to your inquiries and provide customer support
- Send you important notifications related to security, system status, or policy updates
- Comply with legal, tax, and regulatory obligations, including Know Your Customer (KYC) and Anti-Money Laundering (AML) rules
- Conduct surveys, promotional campaigns, or client feedback programs
- Analyze trends to improve service performance and usability
Your data may be processed manually or using automated systems, and in both cases we maintain strict access controls and review procedures.
6. SHARING OF
INFORMATION
We respect your privacy and do not sell
your personal information. However, your data may be disclosed under the following
circumstances:
a) Service Providers: We work with third-party providers to support our infrastructure and operations. These include cloud hosting services, cybersecurity vendors, data analytics companies, and customer service tools.
b) Financial Institutions and Business Partners: We may share information with card networks, payment processors, issuing banks, or merchant partners in order to fulfill transactions or comply with regulatory duties.
c) Legal and Regulatory Compliance: We may disclose your data if required by court order, subpoena, or applicable law.
d) Corporate Events: If MAOPAY is involved in a merger, acquisition, reorganization, or asset sale, your information may be transferred, subject to safeguards in this Policy.
e) Anonymous or Aggregated Data: Data that cannot be linked to an individual may be shared for benchmarking, reporting, or research purposes.
a) Service Providers: We work with third-party providers to support our infrastructure and operations. These include cloud hosting services, cybersecurity vendors, data analytics companies, and customer service tools.
b) Financial Institutions and Business Partners: We may share information with card networks, payment processors, issuing banks, or merchant partners in order to fulfill transactions or comply with regulatory duties.
c) Legal and Regulatory Compliance: We may disclose your data if required by court order, subpoena, or applicable law.
d) Corporate Events: If MAOPAY is involved in a merger, acquisition, reorganization, or asset sale, your information may be transferred, subject to safeguards in this Policy.
e) Anonymous or Aggregated Data: Data that cannot be linked to an individual may be shared for benchmarking, reporting, or research purposes.
7. SECURITY MEASURES
We implement advanced security
technologies and procedures to safeguard your data against unauthorized access,
disclosure, alteration, and destruction. These include:
Despite our best efforts, no method of electronic storage or transmission is completely secure. We encourage users to choose strong passwords and remain vigilant against phishing or social engineering attacks.
- Encryption of sensitive data during transmission and storage
- Use of secure protocols
- Multi-factor authentication and role-based access control
- Network monitoring and intrusion detection systems
- Staff training and internal policies on data confidentiality
Despite our best efforts, no method of electronic storage or transmission is completely secure. We encourage users to choose strong passwords and remain vigilant against phishing or social engineering attacks.
8. YOUR RIGHTS
Depending on your location and the
applicable legal framework, you may exercise the following rights with regard to your
personal data:
To exercise your rights, please contact [email protected] with a clear description of your request. We may need to verify your identity before processing.
- Right to Access: Request a copy of your personal data held by us
- Right to Rectification: Request correction of inaccurate or outdated information
- Right to Erasure: Request deletion of your data, subject to legal obligations
- Right to Restrict Processing: Limit our use of your data in specific contexts
- Right to Data Portability: Receive a structured, machine-readable copy of your data
- Right to Withdraw Consent: Revoke prior consent at any time
- Right to Lodge a Complaint: Contact a regulatory authority if your rights are violated
To exercise your rights, please contact [email protected] with a clear description of your request. We may need to verify your identity before processing.
9. CONTACT FORM POLICY
When you submit a request via our contact
form, the data you provide is transmitted securely to our internal support team. This
information is not stored on the website’s database but is used solely for the purpose
of responding to your inquiry.
We do not use information submitted through contact forms for marketing purposes unless you provide explicit consent.
We do not use information submitted through contact forms for marketing purposes unless you provide explicit consent.
10. CHILDREN’S PRIVACY
Our Website is intended for users aged 18
and older. We do not knowingly collect personal data from minors. If we become aware
that a child has submitted personal data without parental consent, we will take
immediate steps to delete such data from our records.
11. POLICY CHANGES
We may amend this Privacy Policy from
time to time to reflect changes in technology, law, or service offerings. Updates will
be posted on our website with a new “Last Updated” date. In the event of significant
changes, we may notify users via email or account messaging.
Your continued use of the Website following such updates constitutes acceptance of the revised Policy.
Your continued use of the Website following such updates constitutes acceptance of the revised Policy.
12. CONTACT INFORMATION
If you have any questions, concerns, or
complaints regarding this Policy or your personal data, please contact us:
Email: [email protected]
We thank you for trusting MAOPAY. We are committed to ensuring your privacy and protecting your personal data with the highest standards of integrity and care.
Email: [email protected]
We thank you for trusting MAOPAY. We are committed to ensuring your privacy and protecting your personal data with the highest standards of integrity and care.