Privacy Policy

PayGrid ("PayGrid," "we," "us," or "our") provides payment infrastructure that enables businesses, platforms, and developers to collect payments, send payouts, and manage money movement through APIs, payment links, hosted checkout pages, and related channels.

This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website, create an account, integrate our services, or otherwise interact with PayGrid.

By using PayGrid, you agree to the practices described in this policy. If you do not agree, please do not use our services.

We collect information necessary to operate a secure payment platform, comply with applicable law, and provide reliable services to merchants and their customers.

• Account information: name, email address, phone number, business name, business address, tax or registration details, and identity verification documents submitted during onboarding or KYC review.
• Financial and transaction data: payment amounts, currencies, payment methods, settlement details, payout instructions, bank account information, ledger entries, and transaction metadata required to process payments.
• Technical information: IP address, device type, browser, API keys, access logs, webhook delivery records, session identifiers, and usage data related to your integration with PayGrid.
• Communications: support requests, emails, chat messages, and other correspondence with our team.
• Customer data you submit: when you use PayGrid to process payments, you may transmit end-customer information such as names, phone numbers, email addresses, and payment references. You are responsible for obtaining any required consents before sharing this data with us.

We use personal information for legitimate business and legal purposes, including:

• Creating, authenticating, and managing merchant accounts.
• Processing payments, settlements, payouts, refunds, and reconciliations.
• Detecting, preventing, and investigating fraud, abuse, security incidents, and prohibited activity.
• Providing customer support, service notifications, and operational communications.
• Improving, maintaining, and securing our platform, APIs, dashboards, and infrastructure.
• Complying with legal obligations, regulatory requests, audit requirements, and lawful orders.
• Enforcing our Terms of Service and other agreements.

Where applicable, we process personal information based on one or more of the following grounds: performance of a contract with you, compliance with legal obligations, our legitimate interests in operating a secure payment service, and consent where required.

You may withdraw consent where processing is consent-based, but this may limit your ability to use some features of the service.

We do not sell personal information. We may share information with trusted parties only as needed to deliver our services:

• Payment networks, banks, mobile money operators, card schemes, and other financial partners involved in processing transactions.
• Identity verification, fraud prevention, compliance, cloud hosting, analytics, and customer support providers acting under contractual confidentiality and security obligations.
• Professional advisers, auditors, insurers, and legal counsel where reasonably necessary.
• Regulators, law enforcement, courts, or other authorities when required by law or to protect rights, safety, and platform integrity.
• A successor entity in connection with a merger, acquisition, financing, or sale of assets, subject to appropriate safeguards.

We retain personal information for as long as necessary to provide services, resolve disputes, enforce agreements, meet regulatory and accounting requirements, and maintain accurate financial records.

Transaction and compliance records may be retained for extended periods where required by payment industry rules, anti-money laundering obligations, or applicable law.

When information is no longer needed, we take reasonable steps to delete, anonymize, or securely archive it.

We implement administrative, technical, and organizational measures designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

These measures include access controls, encryption in transit, monitoring, segregation of environments, and restricted access to production systems on a need-to-know basis.

No method of transmission or storage is completely secure. You are responsible for safeguarding your account credentials, API keys, and integration secrets.

Depending on your location and applicable law, you may have rights to access, correct, update, delete, restrict, or object to certain processing of your personal information, and to request portability where technically feasible.

You may update some account details directly in the PayGrid dashboard. For other requests, contact us at [email protected], +255 788 344 348, or via WhatsApp at the same number. We may need to verify your identity before responding.

We will respond to valid requests within a reasonable timeframe and as required by applicable law. Some requests may be limited where we must retain data for legal, security, or operational reasons.

Our website and dashboard may use cookies, local storage, and similar technologies to maintain sessions, remember preferences, analyze usage, and improve performance.

You can control cookies through your browser settings. Disabling certain cookies may affect sign-in, dashboard functionality, or other features.

PayGrid may process and store information in Tanzania and in other countries where we or our service providers operate.

Where personal information is transferred across borders, we take steps designed to ensure appropriate safeguards consistent with applicable data protection requirements.

PayGrid is not directed to children and is intended for use by businesses and authorized adults. We do not knowingly collect personal information from children under 18.

If you believe a child has provided personal information to us, contact us and we will take appropriate steps to delete it.

We may update this Privacy Policy from time to time. When we make material changes, we will post the updated policy on this page and revise the effective date.

Your continued use of PayGrid after changes become effective constitutes acceptance of the updated policy, except where further consent is required by law.

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, contact:

PayGrid — [email protected]

Phone / WhatsApp — +255 788 344 348

For merchant support, use the contact options available in your PayGrid dashboard.