This Privacy Policy was last updated on November 12, 2024.

At Holy Pay, we are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy outlines how we collect, use, store, and protect your information when you use our mobile banking and fintech app ("Holy Pay," "we," "us," or "our").

By using Holy Pay, you agree to the collection and use of your information in accordance with this Privacy Policy. Please read this policy carefully.

1. Information We Collect

1. Personal Information
   • Account Details: Name, email address, phone number, and other information related to your Holy Pay account.
   • Financial Information: Bank account details, payment history, transaction records, and other financial data related to your use of the app.
   • Identification Documents: Government-issued ID, passport, or other identification verification documents to comply with regulatory requirements (such as KYC - Know Your Customer).
   • Location Data: Geolocation information, which may be used for location-based services like nearby ATMs or branches (with your consent).
2. Usage Data
   • App Usage Information: Data on how you interact with the app, including device information, IP address, browser type, and operating system.
   • Transaction Information: Details of your financial transactions (e.g., payments, transfers, and purchases) within the Holy Pay app.
3. Device and Technical Information
   • Device Information: Data about the device you use to access Holy Pay, including device type, operating system, unique device identifiers, and crash data.
   • Log Data: When you access the app, we may automatically collect information sent by your device, such as IP address, browser type, and information about your interactions with the app.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To Provide and Improve Our Services: To process your transactions, manage your account, provide customer support, and improve the functionality and features of the app.
• To Personalize Your Experience: To offer personalized services, recommendations, and notifications based on your preferences.
• For Security and Fraud Prevention: To detect, prevent, and address fraudulent activities, unauthorized transactions, and other security threats.
• To Comply with Legal Obligations: To comply with regulatory requirements, such as KYC, anti-money laundering (AML) laws, and other financial regulations.
• To Communicate with You: To send you notifications about your account, updates, promotions, or changes to this Privacy Policy or our terms of service.
• For Analytics and Research: To analyze app usage trends, conduct market research, and improve the app experience.

3. Sharing Your Information

We will not share your personal information with third parties, except in the following cases:

• Service Providers: We may share your information with trusted third-party vendors, contractors, or service providers who help us operate our app and provide services (e.g., payment processors, data hosting).
• Legal Compliance: We may disclose your information if required by law or to comply with a legal process, such as a subpoena, court order, or regulatory investigation.
• Business Transfers: In the event of a merger, acquisition, or sale of all or part of our business, your personal information may be transferred as part of the transaction.

4. Data Security

We take the security of your personal information seriously. We use a combination of technical, administrative, and physical security measures to safeguard your information against unauthorized access, loss, or alteration. These measures include encryption, secure servers, and regular security audits.

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

5. Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. If you choose to close your account or stop using the app, we will retain certain information for legal, regulatory, and security purposes.

6. Your Rights and Choices

You have certain rights regarding the information we collect and how it is used, including:

• Access: You can request access to the personal information we have collected about you.
• Correction: You can update or correct any inaccuracies in your personal information.
• Deletion: You may request the deletion of your personal data, subject to certain exceptions (e.g., for legal or regulatory reasons).
• Opt-Out: You can opt-out of marketing communications by following the unsubscribe instructions in the messages you receive or by contacting us directly.

If you wish to exercise any of these rights, please contact us at the information provided below.

7. Children’s Privacy

Holy Pay is not intended for use by children under the age of 16, and we do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal data from a child under the age of 16, we will take steps to delete that information as soon as possible.

8. International Transfers

Your personal information may be transferred to, and processed in, countries other than your country of residence. These countries may have different data protection laws than those in your country. By using the Holy Pay app, you consent to the transfer of your information to such countries.

9. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. When we make changes, we will update the "Last Updated" date at the top of the policy. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

Thank you for choosing Holy Pay. We are committed to protecting your privacy and providing you with a secure and trusted mobile banking experience.