Privacy Policy

Effective Date: 20 June 2025
Last Updated: 30 December 2025

TexedPay Inc. (“TexedPay,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, store, and safeguard your information when you use our website, mobile application, and related services (collectively, the “Services”).
By using TexedPay, you agree to the practices described in this Privacy Policy.

1. Information We Collect
We collect the following categories of information:
1.1 Personal Information
Full name
Date of birth
Phone number
Email address
Residential address
Government-issued ID (for KYC verification)
Selfie/photo for identity verification
1.2 Financial Information
Wallet transaction history
Virtual card transaction details
Payment records
Merchant transaction data
⚠ TexedPay does not store full card numbers. Card data is processed securely through regulated third-party payment processors.
1.3 Device & Technical Information
IP address
Device type & model
Operating system
App version
Log data
Cookies and tracking technologies
1.4 Communications
Messages sent to support
Emails and notifications

2. How We Use Your Information
We use your information to:
Create and manage your account
Verify your identity (KYC/AML compliance)
Process transactions
Issue and manage virtual cards
Prevent fraud and financial crime
Comply with legal and regulatory obligations
Improve our services
Send service-related notifications
Provide customer support
We do NOT sell your personal data.

3. Legal Basis for Processing
We process your information based on:
Contractual necessity (to provide Services)
Legal obligations (KYC/AML compliance)
Legitimate business interests (fraud prevention, service improvement)
Your consent (where applicable)

4. Data Sharing & Disclosure
We may share your information with:
Regulated financial institutions
Card issuers and payment processors
Identity verification providers
Regulatory authorities or law enforcement (when legally required)
Service providers assisting in operations
All third parties are contractually required to protect your information.

5. Data Retention
We retain your information:
For as long as your account remains active
As required by financial regulations (typically 5–7 years)
As necessary to resolve disputes or enforce agreements
After retention periods expire, data is securely deleted or anonymized.

6. Data Security
We implement industry-standard safeguards, including:
Encryption of sensitive data
Secure servers and firewalls
Restricted internal access controls
Ongoing monitoring for vulnerabilities
While we take reasonable measures, no system is 100% secure.

7. Your Privacy Rights
Depending on your jurisdiction, you may have the right to:
Access your personal data
Correct inaccurate data
Request deletion of your account
Object to certain processing
Withdraw consent (where applicable)

8. Account & Data Deletion
You may request account deletion by:
Using the in-app “Delete Account” option (if available), or
Emailing: [email protected]
Upon verified request:
Your account will be deactivated
Data required by law will be retained
Non-required data will be deleted within a reasonable timeframe
This section helps comply with requirements of platforms such as Google Play.

9. Cookies & Tracking Technologies
We use cookies and similar technologies to:
Improve user experience
Analyze usage
Enhance security
Personalize content
You may disable cookies in your browser settings, though some features may not function properly.

10. International Data Transfers
Your information may be processed outside your country of residence. We ensure appropriate safeguards are in place for such transfers.

11. Children’s Privacy
TexedPay does not knowingly collect data from individuals under 18. If we become aware of such data, we will delete it immediately.

12. Changes to This Policy
We may update this Privacy Policy periodically. Updates will be posted on this page with a revised “Last Updated” date. Continued use of the Services constitutes acceptance of the updated policy.

13. Contact Us
TexedPay Inc.
Email: [email protected]
Phone: +233208987378
Website: https://texedpay.com

If you have questions about this Privacy Policy or your personal data, please contact us.