Privacy Policy

We may collect the following categories of information.

a. Personal Information

When you register or use our Services, we may collect:

• Full name
• Email address
• Phone number
• Date of birth (if applicable)
• Bank account information
• Mobile wallet information
• Payment details necessary for processing transactions

b. Transaction Information

To provide our services, we collect:

• Gift card information submitted for exchange
• Transaction history
• Payment records
• Withdrawal history
• Account balances
• Transaction status

c. Device & Technical Information

We automatically collect certain technical information, including:

• Device model
• Device manufacturer
• Operating system and version
• IP address
• Device identifiers
• App version
• Mobile network information
• Crash reports
• Log information
• App usage statistics

d. Permissions

Depending on the features you use, Pavocard may request the following permissions:

• Camera— to capture or upload images of gift cards or identity verification documents.
• Storage/Photos — to allow you to upload images from your device.
• Notifications — to send transaction updates, payment confirmations, security alerts, and important service announcements.

We only request permissions necessary for providing our Services.

We use your information to:

• Create and manage your account
• Process gift card transactions
• Process payments and withdrawals
• Verify your identity
• Prevent fraud, abuse, and unauthorized activity
• Improve our products and services
• Respond to customer support requests
• Send service notifications and updates
• Comply with legal and regulatory obligations
• Protect the security and integrity of our platform

Where applicable, we process your information:

• To provide services requested by you
• To fulfill contractual obligations
• To comply with applicable laws and regulations
• To protect legitimate business interests
• With your consent where required

We value your privacy.

We do not sell or rent your personal information.

We may share information with:

• Payment processors to complete transactions
• Banking partners
• Cloud hosting providers
• Customer support providers
• Analytics providers
• Fraud prevention services
• Government authorities, regulators, or law enforcement when required by law or legal process

All third-party service providers are required to safeguard your information.

Our Services may use trusted third-party providers to operate efficiently. These providers may collect information according to their own privacy policies.

Examples include:

• Google Firebase (Analytics, Crash Reporting, Cloud Messaging)
• Google Play Services
• Payment gateways
• Cloud hosting providers

These third-party providers process data only as necessary to perform services on our behalf.

We implement appropriate technical and organizational measures to protect your information, including:

• HTTPS/TLS encrypted communications
• Encryption of sensitive information
• Secure servers
• Restricted employee access
• Continuous monitoring
• Security audits where appropriate

While we strive to protect your information, no method of transmission or electronic storage is completely secure. Therefore, we cannot guarantee absolute security.

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

• Provide our Services
• Complete transactions
• Comply with legal obligations
• Resolve disputes
• Prevent fraud
• Enforce our agreements

When your information is no longer required, we securely delete or anonymize it.

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

• Access your personal information
• Correct inaccurate information
• Update your account details
• Request deletion of your account
• Withdraw consent where applicable
• Object to certain processing activities
• Request a copy of your personal information

To exercise any of these rights, please contact us using the information below.

You may request deletion of your account:

• Through the Pavocard app (where available), or
• By contacting our support team

Once your identity has been verified, we will process your request and permanently delete your personal information within 30 days, except where we are legally required to retain certain records for regulatory, tax, fraud prevention, or dispute resolution purposes.

Our website and Services may use cookies and similar technologies to:

• Improve user experience
• Remember user preferences
• Analyze platform performance
• Improve security
• Measure application usage

You may manage cookie preferences through your browser settings.

Your information may be stored or processed on servers located outside your country of residence.

Where this occurs, we implement appropriate safeguards to ensure your information remains protected in accordance with applicable privacy laws.

Our Services may contain links to third-party websites or services.

We are not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review their privacy policies before providing personal information.

Pavocard is intended only for individuals who are 18 years of age or older.

We do not knowingly collect personal information from children under the age of 18. If we become aware that such information has been collected, we will take reasonable steps to delete it promptly.

We may update this Privacy Policy from time to time.

Any changes will become effective immediately upon posting the updated version. We encourage users to review this Privacy Policy periodically to stay informed about how we protect their information.

Continued use of our Services after changes become effective constitutes acceptance of the revised Privacy Policy.

If you have any questions, requests, or concerns regarding this Privacy Policy or our privacy practices, please contact us:

• Email: support@pavocard.com
• Nigeria: +234 706 606 7435
• Ghana: +(233) 013-234-4534