Privacy Policy

1. Introduction

Grinpay Connect Ltd. values your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you use our website, mobile application, APIs, and related services.

By using Grinpay, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

We may collect the following categories of information.

Personal Information

• Full name
• Date of birth
• Nationality
• Residential address
• Email address
• Phone number
• Government-issued identification
• Selfie or biometric verification where required
• Proof of address where applicable

Financial Information

We may collect information necessary to process transactions, including:

• Payment account information
• Mobile money account details
• Bank account information
• Transaction history
• Beneficiary information

Grinpay does not intentionally store sensitive payment credentials except where required to provide the Services or as permitted by applicable law.

Technical Information

When you use our Services, we may automatically collect:

• Device information
• Browser type
• Operating system
• IP address
• Device identifiers
• Time zone
• Login activity
• App usage data

Transaction Information

We may collect information regarding:

• Payment amounts
• Currency used
• Exchange rates
• Recipient details
• Transaction reference numbers
• Settlement status
• Fraud monitoring information

3. How We Use Your Information

We use your information to:

• Create and manage your account.
• Verify your identity.
• Process transactions.
• Facilitate cross-border payments.
• Detect and prevent fraud.
• Meet legal and regulatory obligations.
• Improve our Services.
• Respond to customer support requests.
• Communicate important service updates.
• Protect Grinpay and our users.

4. Legal Basis for Processing

Where applicable, we process personal information based on one or more of the following:

• Your consent.
• Performance of our contract with you.
• Compliance with legal obligations.
• Protection against fraud and financial crime.
• Our legitimate business interests.

5. KYC and AML Compliance

As a financial technology company, Grinpay may collect additional information to comply with:

• Know Your Customer (KYC) requirements.
• Anti-Money Laundering (AML) regulations.
• Counter-Terrorist Financing (CTF) obligations.
• Sanctions screening.
• Fraud prevention measures.

Failure to provide requested information may result in delayed, restricted, or declined services.

6. Sharing Your Information

We do not sell your personal information.

We may share information with trusted third parties where necessary to provide our Services, including:

• Licensed payment processors
• Banks
• Mobile money operators
• Foreign exchange providers
• Identity verification providers
• Cloud service providers
• Customer support providers
• Regulatory authorities when required by law
• Law enforcement agencies where legally required

Each third party is expected to protect your information appropriately.

7. International Data Transfers

Because Grinpay facilitates cross-border transactions, your information may be transferred to or processed in countries where we or our service providers operate.

Where such transfers occur, we will take reasonable steps to protect your information in accordance with applicable law.

8. Data Security

Grinpay maintains administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

These measures may include:

• Encryption where appropriate
• Secure authentication
• Access controls
• Network monitoring
• Security testing
• Employee confidentiality obligations

While we strive to protect your information, no method of electronic transmission or storage can be guaranteed to be completely secure.

9. Data Retention

We retain personal information only for as long as necessary to:

• Provide our Services
• Meet legal obligations
• Resolve disputes
• Prevent fraud
• Enforce our agreements

Certain financial records may be retained for longer periods where required by applicable law.

10. Your Rights

Subject to applicable law, you may have the right to:

• Access your personal information.
• Correct inaccurate information.
• Request deletion of certain information.
• Request restriction of processing.
• Object to certain processing activities.
• Withdraw consent where processing is based on consent.
• Request a copy of your personal data where applicable.

Requests may be subject to identity verification and legal limitations.

11. Cookies and Similar Technologies

Grinpay may use cookies and similar technologies to:

• Maintain user sessions.
• Improve website performance.
• Analyze website traffic.
• Remember user preferences.
• Enhance security.

Users may manage cookie preferences through their browser settings.

Additional information is available in our Cookie Policy.

12. Children's Privacy

Grinpay 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 information from a child without appropriate authorization, we will take reasonable steps to delete that information.

13. Third-Party Websites

Our website may contain links to third-party websites.

Grinpay is not responsible for the privacy practices or content of third-party websites.

Users are encouraged to review the privacy policies of any external websites they visit.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

Where material changes are made, we will notify users through appropriate channels, including our website or application.

The latest version will always be available on our website.

15. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact:

Privacy Officer
Grinpay Connect Ltd

Email: privacy@grinpayconnect.com

Support: support@grinpayconnect.com

Website: https://grinpayconnect.com

16. Governing Law

This Privacy Policy shall be interpreted in accordance with the laws applicable to Grinpay Connect Ltd and any mandatory data protection laws that apply to the jurisdictions in which we operate.