Effective Date: Aug 15, 2025
PayAngel (“we,” “our,” “us”) is committed to protecting your privacy and handling your personal information with transparency, integrity, and in compliance with all applicable data protection and privacy laws, including:
- UK Data Protection Act 2018 (DPA 2018)
- UK General Data Protection Regulation (UK GDPR)
- EU General Data Protection Regulation (EU GDPR)
- US privacy laws, including the California Consumer Privacy Act (CCPA)
- Canadian Personal Information Protection and Electronic Documents Act (PIPEDA)
- Australian Privacy Principles (APPs) under the Privacy Act 1988
Relevant privacy and data protection laws in the countries where we operate and provide services
This Privacy Policy applies to all personal information we collect, use, and share when you use our services, including but not limited to:
- Send Services from the UK, US, EU, Canada, and Australia
- Receive Services in Ghana, Nigeria, Kenya, Bangladesh, Cameroon, Democratic Republic of Congo, Ivory Coast, India, Mozambique, Rwanda, Senegal, South Africa, Tanzania, Uganda, and Zimbabwe
- Digital wallet services
- Open banking integrations
- Refer-to-earn programs
- Any other current or future PayAngel services
1. Information We Collect
We may collect the following categories of personal data:
- Identity Data — Full name, date of birth, gender, nationality, government-issued identification numbers (passport, driver’s licence, national ID, etc.).
- Contact Data — Address, email address, phone number, emergency contact details.
- Financial Data — Bank account details, mobile money account information, wallet balance, payment card details.
- Transaction Data — Payment amounts, transaction history, payment methods, receiving country, recipient details.
- Technical Data — IP address, browser type, operating system, device identifiers, geolocation data.
- Marketing & Communication Data — Your preferences for receiving marketing from us and your communication preferences.
- Verification Data — Biometric information where legally permitted, proof of adddress, proof of income, and other KYC (Know Your Customer) documentation.
2. How We Use Your Information
We process your personal data to:
- Provide and manage our money transfer, wallet, and related services.
- Comply with legal and regulatory obligations, including Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and sanctions screening requirements.
- Verify your identity, payment methods, and transaction legitimacy.
- Process transactions, payments, and refunds.
- Communicate with you regarding your account, transactions, and service updates.
- Prevent, detect, and investigate fraud or other illegal activities
- Improve, develop, and personalise our services.
- Conduct marketing and promotional activities, where permitted.
3. Legal Basis for Processing
We process personal information based on the following lawful grounds:
- Contractual necessity — to perform our obligations under the agreement we have with you.
- Legal compliance — to meet obligations under financial, AML/CTF, tax, and other applicable laws.
- Legitimate interests — to maintain and improve our services, prevent fraud, and secure our systems.
- Consent — where required for certain marketing activities or biometric processing.
4. Sharing Your Information
We may share your personal data with:
- Licensed financial institutions, payment processors, and correspondent partners.
- Fraud prevention agencies, credit reference agencies, and identity verification services.
- Regulators, law enforcement agencies, and public authorities, where legally required.
- Service providers that support our business operations, including cloud storage providers, IT support, analytics providers, and marketing agencies.
- Affiliates, subsidiaries, and group companies.
We will never sell your personal data to third parties.
5. International Data Transfers
Your data may be transferred to and stored in countries outside your country of residence, including countries that may not have the same level of data protection as your home country. Where this occurs, we ensure adequate safeguards are in place, such as:
Standard Contractual Clauses approved by the EU/UK
Data processing agreements with strict confidentiality and security obligations
6. Data Retention
We will retain your personal information for the period required by law in each jurisdiction, which is typically six (6) years after the end of your relationship with us, unless a longer period is required for:
- Legal claims or investigations
- Regulatory or law enforcement requirements
- Specific retention periods for wallet, open banking, and referral program data will follow the applicable jurisdictional requirements.
7. Security of Your Information
We use a combination of technical, organisational, and administrative safeguards to protect your personal data, including:
- Encryption in transit and at rest
- Multi-factor authentication
- Regular security audits and penetration testing
- Strict access controls and staff training
8. Your Rights
Depending on your jurisdiction, you may have the following rights:
- Access to your personal data
- Rectification of inaccurate or incomplete data
- Erasure of your data (“right to be forgotten”)
- Restriction of processing
- Withdrawal of consent (where processing is based on consent)
- Lodge a complaint with a data protection authority
9. Cookies and Tracking Technologies
We use cookies, tracking pixels, and similar technologies to improve your experience. For more details, please refer to our Cookies Policy [link to document].
10. Children’s Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal data from anyone under this age.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website with the updated effective date.
12. Contact Us
If you have questions or wish to exercise your rights, contact us at:
PayAngel
Regus House, Victory Way, Admirals Park, Dartford, Kent, DA2 6QD, United Kingdom
support@payangel.com
+44 2037476765
