PRIVACY NOTICE
This Privacy Policy describes how Waya collects, uses, discloses, and processes your personal information in connection with our services, including when you visit our website https://www.getwaya.com,our mobile application (the “App”), contact our customer service care, receive or open our emails, or interact or communicate with us in relation to any of these services, or when you interact or use one of our products or services that link to this Privacy Policy.
Waya reserves the right to change this Privacy Policy from time to time. When this privacy policy changes, we will change the “last updated” date at the bottom of this Privacy Policy. In the event we make material changes to this Privacy Policy, we will notify you by email to your registered email address or by predominantly posting on our website. All changes shall be effective from the date of publication unless otherwise provided.
WHY IS PRIVACY POLICY IMPORTANT
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice to understand what we do.
WHAT INFORMATION DOES WAYA COLLECT FROM YOU?
The type of personal information we collect and share depends on the product or service you have with us. This information may include:
- Identity Data: Information such as, your full name(s), your government-issued identity number, bank verification number (BVN) and your date of birth. This data is to enable us to verify your identity in order to offer our services to you.
- Contact Data: This is data that is needed to reach out to you, such as your contact address, email address, telephone number, details of the device you use and billing details.
- Identification documents :(such as your passport or any Government-issued identity card), a photograph (if applicable) and any other registration information you may provide to prove you are eligible to use our services.
- Log/Technical information: When you access Waya services, our servers automatically record information that your browser sends whenever you visit a website, links you have clicked on, length of visit on certain pages, unique device identifier, log-in information, location and other device details.
- Financial Data: Information, such as personal account number, the merchant’s name and location, the date and the total amount of transaction, and other information provided by financial institutions or merchants when we act on their behalf;
- Transactional Data: These are information relating to a payment when you as a merchant (using one or more of our payment processing services) or as a customer, are using our products or services;
- Marketing and Communications Data: This includes both a record of your decision to subscribe or to withdraw from receiving marketing materials from us or from our third parties.
- Records of your discussions with us, if we contact you and if you contact us.
We may also collect, store, use and transfer non-personal information or anonymized data such as statistical or demographic data.
As a principle, we do not collect any Special Categories of Personal Information. If we do collect Special Categories of Personal Information, we will ensure compliance with applicable law.
This Privacy Policy applies to Waya services only. We do not exercise control over the sites displayed or linked from within our various services. These other sites may place their own cookies, plug-ins or other files on your computer, collect data or solicit personal information from you. Waya does not control these third-party websites and we are not responsible for their privacy statements. Please consult such third parties’ privacy statements.
HOW DOES WAYA USE THE INFORMATION?
All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Waya chooses to share; and whether you can limit this sharing.
SHARING YOUR INFORMATION
| REASONS WE CAN SHARE YOUR INFORMATION | DOES WAYA SHARE? | CAN YOU LIMIT THIS SHARING? |
| For our everyday business purposes such as to process yourtransactions, maintain your account(s), respond to court orders andlegal investigations, or report to credit bureaus | YES | NO |
| For our marketing purposes to offer our products and services to you | YES | NO |
| For joint marketing with other financial companies | YES | NO |
| For our affiliates’ everyday business purposes information about your transactions and experiences | YES | NO |
| For our affiliates’ everyday business purposes information about your creditworthiness | NO | WE DON’T SHARE |
| For our affiliates to market to you | NO | WE DON’T SHARE |
| For non-affiliates to market to you | NO | WE DON’T SHARE |
HOW DOES WAYA PROTECT MY PERSONAL INFORMATION?
To protect your personal information we have put in place measures that comply with Federal Law. We have implemented, and will maintain the latest, reasonable physical, technical, and organizational security measures to protect your personal information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, there’s no security system that is completely impenetrable, hence, we cannot guarantee the 100% security of our systems. In the event that any information under our control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and, where appropriate, notify the individuals whose information may have been compromised and take further steps, in accordance with applicable laws and regulations.
Where you have a password which enables you to access our services, we request that you use a strong password and never share your password with anyone or use the same password with other sites or accounts. You are responsible for keeping this password confidential. We ask you not to share the password.
HOW DOES WAYA COLLECT MY PERSONAL INFORMATION? We automatically collect your personal information, for example, when you:
- Sign up for a Waya account or provide account information.
- Use any of our services.
- Contact our customer support team.
- Fill our online forms.
- Contact us on our different platforms.
- Use your credit or debit card.
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
We may also automatically collect information from your computer, web browser, and/or mobile device without limitation, this information may include:
- Device IP address, unique device identifier, web browser characteristics and device characteristics.
- Device Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system.
- Information about your interaction, including the full Uniform Resource Locators (URL) clickstream to, through and from the Website (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and the manner used to browse away from the page.
TO LIMIT OUR SHARING
To limit Waya from sharing your personal information please visit us at:
https://www.getwaya.com or email us at help@getwaya.com
Please note:
If you are a new customer, we can begin sharing your information zero-days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing by visiting our website https://www.getwaya.com or email us at help@getwaya.com
WHY CAN’T YOU LIMIT ALL SHARING?
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes – information about your creditworthiness.
- Affiliates from using your information to market to you.
- Sharing for non-affiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.
DEFINITIONS
AFFILIATES
Companies related by common ownership or control. They can be financial and non-financial companies.
Please note: Waya has no affiliates.
NON-AFFILIATES
Companies not related by common ownership or control. They can be financial and non financial companies.
Please note: Waya does not share with nonaffiliates so they can market to you.
JOINT MARKETING
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Please Note: Waya does not jointly market.
OTHER IMPORTANT INFORMATION:
Special Notice to California Residents
We will not share personal information with affiliates and non-affiliates except as necessary for us to follow the law or as permitted by law.
Other Privacy Statement
Waya uses a marketing service provider to perform marketing services on its behalf.
Updated: December 18, 2023, Effective: December 31, 2023