{"id":14007,"date":"2024-03-28T20:26:36","date_gmt":"2024-03-28T19:26:36","guid":{"rendered":"https:\/\/maviance.cm\/?page_id=14007"},"modified":"2025-04-08T15:25:04","modified_gmt":"2025-04-08T14:25:04","slug":"smobilpay-app-privacy-policy","status":"publish","type":"page","link":"https:\/\/maviance.cm\/en\/smobilpay-app-privacy-policy\/","title":{"rendered":"Smobilpay App Privacy Policy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"14007\" class=\"elementor elementor-14007\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65e0bf65 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"65e0bf65\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f94ef67\" data-id=\"5f94ef67\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-426e75b elementor-widget elementor-widget-heading\" data-id=\"426e75b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Smobilpay App Privacy Policy<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-554aa1a3 elementor-widget-laptop__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"554aa1a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><\/p>\n<p class=\"\" data-start=\"154\" data-end=\"631\">Your privacy matters to us. This Privacy Policy outlines how <strong data-start=\"215\" data-end=\"231\">Maviance PLC<\/strong> and <strong data-start=\"236\" data-end=\"253\">Maviance GmbH<\/strong> collect, use, store, and share your personal information when you use our <strong data-start=\"328\" data-end=\"341\">Smobilpay<\/strong> and <strong data-start=\"346\" data-end=\"377\">Smoprint Mobile Application<\/strong>. We are committed to safeguarding your data and being transparent about how it\u2019s handled. Please take a moment to review this policy to understand your rights and our obligations. For any questions or concerns, contact us at <strong data-start=\"603\" data-end=\"630\"><a class=\"cursor-pointer\" rel=\"noopener\" data-start=\"605\" data-end=\"628\">contact@cm.maviance.com<\/a><\/strong>.<\/p>\n<p data-start=\"154\" data-end=\"631\">\u00a0<\/p>\n<h3 class=\"wp-block-heading\" data-start=\"633\" data-end=\"997\"><strong data-start=\"633\" data-end=\"652\">1. Introduction<\/strong><\/h3>\n<p class=\"\" data-start=\"633\" data-end=\"997\">This Privacy Policy explains how Maviance PLC and, where applicable, Maviance GmbH (\u201cwe,\u201d \u201cus,\u201d or \u201cour\u201d) collect, use, and protect personal data when you use the Smobilpay mobile applications (Smobilpay Agent and Smoprint) and related services. By accessing or using our services, you agree to the practices described in this Privacy Policy.<\/p>\n<p data-start=\"633\" data-end=\"997\">\u00a0<\/p>\n<h3 data-start=\"999\" data-end=\"1095\"><strong data-start=\"999\" data-end=\"1037\">2. Personal Information We Collect<\/strong><\/h3>\n<p class=\"\" data-start=\"999\" data-end=\"1095\">We collect the following categories of personal data:<\/p>\n<ul data-start=\"1096\" data-end=\"1851\">\n<li class=\"\" data-start=\"1096\" data-end=\"1188\">\n<p class=\"\" data-start=\"1098\" data-end=\"1188\"><strong data-start=\"1098\" data-end=\"1115\">Identity Data<\/strong>: Name, date of birth, national ID or passport number, and facial photo<\/p>\n<\/li>\n<li class=\"\" data-start=\"1189\" data-end=\"1256\">\n<p class=\"\" data-start=\"1191\" data-end=\"1256\"><strong data-start=\"1191\" data-end=\"1207\">Contact Data<\/strong>: Phone number, email address, physical address<\/p>\n<\/li>\n<li class=\"\" data-start=\"1257\" data-end=\"1377\">\n<p class=\"\" data-start=\"1259\" data-end=\"1377\"><strong data-start=\"1259\" data-end=\"1288\">Device and Technical Data<\/strong>: Unique device ID, brand, model, operating system, mobile carrier, connection location<\/p>\n<\/li>\n<li class=\"\" data-start=\"1378\" data-end=\"1499\">\n<p class=\"\" data-start=\"1380\" data-end=\"1499\"><strong data-start=\"1380\" data-end=\"1400\">Transaction Data<\/strong>: Payment history, transaction amount, recipient details, billers, merchants, payment instruments<\/p>\n<\/li>\n<li class=\"\" data-start=\"1500\" data-end=\"1617\">\n<p class=\"\" data-start=\"1502\" data-end=\"1617\"><strong data-start=\"1502\" data-end=\"1524\">Usage and Log Data<\/strong>: App usage, login history, IP address, device details at time of crash, configuration data<\/p>\n<\/li>\n<li class=\"\" data-start=\"1618\" data-end=\"1742\">\n<p class=\"\" data-start=\"1620\" data-end=\"1742\"><strong data-start=\"1620\" data-end=\"1637\">External Data<\/strong>: Information from third-party sources like merchants, credit agencies, identity verification providers<\/p>\n<\/li>\n<li class=\"\" data-start=\"1743\" data-end=\"1851\">\n<p class=\"\" data-start=\"1745\" data-end=\"1851\"><strong data-start=\"1745\" data-end=\"1780\">Support and Communications Data<\/strong>: Information collected during customer service interactions or surveys<\/p>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h3 data-start=\"1853\" data-end=\"1916\"><strong data-start=\"1853\" data-end=\"1887\">3. How We Use Your Information<\/strong><\/h3>\n<p class=\"\" data-start=\"1853\" data-end=\"1916\">We use personal data to:<\/p>\n<ul data-start=\"1917\" data-end=\"2299\">\n<li class=\"\" data-start=\"1917\" data-end=\"2001\">\n<p class=\"\" data-start=\"1919\" data-end=\"2001\">Deliver our services (e.g., bill payments, money transfers, user account access)<\/p>\n<\/li>\n<li class=\"\" data-start=\"2002\" data-end=\"2058\">\n<p class=\"\" data-start=\"2004\" data-end=\"2058\">Verify your identity and prevent fraudulent activity<\/p>\n<\/li>\n<li class=\"\" data-start=\"2059\" data-end=\"2115\">\n<p class=\"\" data-start=\"2061\" data-end=\"2115\">Improve app functionality, security, and performance<\/p>\n<\/li>\n<li class=\"\" data-start=\"2116\" data-end=\"2174\">\n<p class=\"\" data-start=\"2118\" data-end=\"2174\">Respond to customer support requests and user feedback<\/p>\n<\/li>\n<li class=\"\" data-start=\"2175\" data-end=\"2223\">\n<p class=\"\" data-start=\"2177\" data-end=\"2223\">Comply with legal and regulatory obligations<\/p>\n<\/li>\n<li class=\"\" data-start=\"2224\" data-end=\"2299\">\n<p class=\"\" data-start=\"2226\" data-end=\"2299\">Send service-related notifications and, with consent, promotional content<\/p>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h3 data-start=\"2301\" data-end=\"2392\"><strong data-start=\"2301\" data-end=\"2334\">4. Legal Basis for Processing<\/strong><\/h3>\n<p class=\"\" data-start=\"2301\" data-end=\"2392\">Processing is conducted on the following legal bases:<\/p>\n<ul data-start=\"2393\" data-end=\"2613\">\n<li class=\"\" data-start=\"2393\" data-end=\"2434\">\n<p class=\"\" data-start=\"2395\" data-end=\"2434\">Fulfilment of contractual obligations<\/p>\n<\/li>\n<li class=\"\" data-start=\"2435\" data-end=\"2472\">\n<p class=\"\" data-start=\"2437\" data-end=\"2472\">Compliance with legal obligations<\/p>\n<\/li>\n<li class=\"\" data-start=\"2473\" data-end=\"2549\">\n<p class=\"\" data-start=\"2475\" data-end=\"2549\">Maviance\u2019s legitimate interests in service delivery and fraud prevention<\/p>\n<\/li>\n<li class=\"\" data-start=\"2550\" data-end=\"2613\">\n<p class=\"\" data-start=\"2552\" data-end=\"2613\">User consent, when required (e.g., for promotional messaging)<\/p>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h3 data-start=\"2615\" data-end=\"2675\"><strong data-start=\"2615\" data-end=\"2646\">5. Sharing of Personal Data<\/strong><\/h3>\n<p class=\"\" data-start=\"2615\" data-end=\"2675\">Your data may be shared:<\/p>\n<ul data-start=\"2676\" data-end=\"3096\">\n<li class=\"\" data-start=\"2676\" data-end=\"2752\">\n<p class=\"\" data-start=\"2678\" data-end=\"2752\">Internally within Maviance PLC, Maviance GmbH, and Finafrik subsidiaries<\/p>\n<\/li>\n<li class=\"\" data-start=\"2753\" data-end=\"2853\">\n<p class=\"\" data-start=\"2755\" data-end=\"2853\">With third-party vendors (e.g., customer support, identity verification, transaction processors)<\/p>\n<\/li>\n<li class=\"\" data-start=\"2854\" data-end=\"2917\">\n<p class=\"\" data-start=\"2856\" data-end=\"2917\">With other users or merchants involved in your transactions<\/p>\n<\/li>\n<li class=\"\" data-start=\"2918\" data-end=\"2985\">\n<p class=\"\" data-start=\"2920\" data-end=\"2985\">With government or regulatory authorities when legally required<\/p>\n<\/li>\n<li class=\"\" data-start=\"2986\" data-end=\"3096\">\n<p class=\"\" data-start=\"2988\" data-end=\"3096\">For legal, compliance, audit, risk management, or business continuity purposes (e.g., merger or acquisition)<\/p>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h3 data-start=\"3098\" data-end=\"3298\"><strong data-start=\"3098\" data-end=\"3119\">6. Data Retention<\/strong><\/h3>\n<p class=\"\" data-start=\"3098\" data-end=\"3298\">Personal data is retained only as long as needed for legal, regulatory, and operational purposes. Once retention is no longer necessary, data is securely deleted or anonymized.<\/p>\n<p data-start=\"3098\" data-end=\"3298\">\u00a0<\/p>\n<h3 data-start=\"3300\" data-end=\"3545\"><strong data-start=\"3300\" data-end=\"3320\">7. Data Security<\/strong><\/h3>\n<p class=\"\" data-start=\"3300\" data-end=\"3545\">We apply commercially reasonable technical and organizational measures to protect your personal data. Despite our efforts, no system is completely secure, and users are advised to take precautions when sharing information.<\/p>\n<p data-start=\"3300\" data-end=\"3545\">\u00a0<\/p>\n<h3 data-start=\"3547\" data-end=\"3766\"><strong data-start=\"3547\" data-end=\"3582\">8. International Data Transfers<\/strong><\/h3>\n<p class=\"\" data-start=\"3547\" data-end=\"3766\">When transferring data outside of Cameroon or the EU, Maviance ensures appropriate safeguards such as Standard Contractual Clauses or other legally approved mechanisms are in place.<\/p>\n<p data-start=\"3547\" data-end=\"3766\">\u00a0<\/p>\n<h3 data-start=\"3768\" data-end=\"3859\"><strong data-start=\"3768\" data-end=\"3786\">9. Your Rights<\/strong><\/h3>\n<p class=\"\" data-start=\"3768\" data-end=\"3859\">Depending on applicable data protection laws, you have the right to:<\/p>\n<ul data-start=\"3860\" data-end=\"4125\">\n<li class=\"\" data-start=\"3860\" data-end=\"3889\">\n<p class=\"\" data-start=\"3862\" data-end=\"3889\">Access your personal data<\/p>\n<\/li>\n<li class=\"\" data-start=\"3890\" data-end=\"3921\">\n<p class=\"\" data-start=\"3892\" data-end=\"3921\">Correct or update your data<\/p>\n<\/li>\n<li class=\"\" data-start=\"3922\" data-end=\"3983\">\n<p class=\"\" data-start=\"3924\" data-end=\"3983\">Withdraw your consent (if processing is based on consent)<\/p>\n<\/li>\n<li class=\"\" data-start=\"3984\" data-end=\"4024\">\n<p class=\"\" data-start=\"3986\" data-end=\"4024\">Request data deletion or restriction<\/p>\n<\/li>\n<li class=\"\" data-start=\"4025\" data-end=\"4073\">\n<p class=\"\" data-start=\"4027\" data-end=\"4073\">Object to certain data processing activities<\/p>\n<\/li>\n<li class=\"\" data-start=\"4074\" data-end=\"4125\">\n<p class=\"\" data-start=\"4076\" data-end=\"4125\">File a complaint with a data protection authority<\/p>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h3 data-start=\"4127\" data-end=\"4376\"><strong data-start=\"4127\" data-end=\"4153\">10. Children\u2019s Privacy<\/strong><\/h3>\n<p class=\"\" data-start=\"4127\" data-end=\"4376\">Our services are not intended for children under the age of 13. We do not knowingly collect personal data from minors. If such data is discovered, it will be deleted promptly. Guardians may contact us for further action.<\/p>\n<p data-start=\"4127\" data-end=\"4376\">\u00a0<\/p>\n<h3 data-start=\"4378\" data-end=\"4602\"><strong data-start=\"4378\" data-end=\"4418\">11. Cookies and Similar Technologies<\/strong><\/h3>\n<p class=\"\" data-start=\"4378\" data-end=\"4602\">When transferring data outside of Cameroon or the EU, Maviance ensures appropriate safeguards such as Standard Contractual Clauses or other legally approved mechanisms are in place.<\/p>\n<p data-start=\"4378\" data-end=\"4602\">\u00a0<\/p>\n<h3 data-start=\"4604\" data-end=\"4838\"><strong data-start=\"4604\" data-end=\"4626\">12. External Links<\/strong><\/h3>\n<p class=\"\" data-start=\"4604\" data-end=\"4838\">The Apps may include links to external websites. Maviance is not responsible for the content or privacy practices of these third-party sites. Please review their respective policies before sharing information.<\/p>\n<p data-start=\"4604\" data-end=\"4838\">\u00a0<\/p>\n<h3 data-start=\"4840\" data-end=\"5109\"><strong data-start=\"4840\" data-end=\"4878\">13. Updates to This Privacy Policy<\/strong><\/h3>\n<p class=\"\" data-start=\"4840\" data-end=\"5109\">This Privacy Policy may be updated periodically. We will notify you of any significant changes by posting the new policy within the App or on our website. Continued use of the service constitutes acceptance of the updated terms.<\/p>\n<p data-start=\"4840\" data-end=\"5109\">\u00a0<\/p>\n<h3 data-start=\"5111\" data-end=\"5307\"><strong data-start=\"5111\" data-end=\"5129\">14. Contact Us<\/strong><\/h3>\n<p class=\"\" data-start=\"5111\" data-end=\"5307\">If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data:<br data-start=\"5233\" data-end=\"5236\" \/>\ud83d\udce7 Email: <strong data-start=\"5246\" data-end=\"5273\"><a class=\"cursor-pointer\" rel=\"noopener\" data-start=\"5248\" data-end=\"5271\">contact@cm.maviance.com<\/a><\/strong><br data-start=\"5273\" data-end=\"5276\" \/>\ud83c\udf10 Website: <strong data-start=\"5288\" data-end=\"5307\"><a class=\"\" href=\"http:\/\/www.maviance.cm\" target=\"_new\" rel=\"noopener\" data-start=\"5290\" data-end=\"5305\">www.maviance.cm<\/a><\/strong><\/p>\n<p><\/p>\n<p><!-- \/wp:list --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Smobilpay App Privacy Policy Your privacy matters to us. This Privacy Policy outlines how Maviance PLC and Maviance GmbH collect, use, store, and share your personal information when you use our Smobilpay and Smoprint Mobile Application. We are committed to safeguarding your data and being transparent about how it\u2019s handled. Please take a moment to review this policy to understand your rights and our obligations. For any questions or concerns, contact us at contact@cm.maviance.com. \u00a0 1. Introduction This Privacy Policy explains how Maviance PLC and, where applicable, Maviance GmbH (\u201cwe,\u201d \u201cus,\u201d or \u201cour\u201d) collect, use, and protect personal data when you use the Smobilpay mobile applications (Smobilpay Agent and Smoprint) and related services. By accessing or using our services, you agree to the practices described in this Privacy Policy. \u00a0 2. Personal Information We Collect We collect the following categories of personal data: Identity Data: Name, date of birth, national ID or passport number, and facial photo Contact Data: Phone number, email address, physical address Device and Technical Data: Unique device ID, brand, model, operating system, mobile carrier, connection location Transaction Data: Payment history, transaction amount, recipient details, billers, merchants, payment instruments Usage and Log Data: App usage, login history, IP address, device details at time of crash, configuration data External Data: Information from third-party sources like merchants, credit agencies, identity verification providers Support and Communications Data: Information collected during customer service interactions or surveys \u00a0 3. How We Use Your Information We use personal data to: Deliver our services (e.g., bill payments, money transfers, user account access) Verify your identity and prevent fraudulent activity Improve app functionality, security, and performance Respond to customer support requests and user feedback Comply with legal and regulatory obligations Send service-related notifications and, with consent, promotional content \u00a0 4. Legal Basis for Processing Processing is conducted on the following legal bases: Fulfilment of contractual obligations Compliance with legal obligations Maviance\u2019s legitimate interests in service delivery and fraud prevention User consent, when required (e.g., for promotional messaging) \u00a0 5. Sharing of Personal Data Your data may be shared: Internally within Maviance PLC, Maviance GmbH, and Finafrik subsidiaries With third-party vendors (e.g., customer support, identity verification, transaction processors) With other users or merchants involved in your transactions With government or regulatory authorities when legally required For legal, compliance, audit, risk management, or business continuity purposes (e.g., merger or acquisition) \u00a0 6. Data Retention Personal data is retained only as long as needed for legal, regulatory, and operational purposes. Once retention is no longer necessary, data is securely deleted or anonymized. \u00a0 7. Data Security We apply commercially reasonable technical and organizational measures to protect your personal data. Despite our efforts, no system is completely secure, and users are advised to take precautions when sharing information. \u00a0 8. International Data Transfers When transferring data outside of Cameroon or the EU, Maviance ensures appropriate safeguards such as Standard Contractual Clauses or other legally approved mechanisms are in place. \u00a0 9. Your Rights Depending on applicable data protection laws, you have the right to: Access your personal data Correct or update your data Withdraw your consent (if processing is based on consent) Request data deletion or restriction Object to certain data processing activities File a complaint with a data protection authority \u00a0 10. Children\u2019s Privacy Our services are not intended for children under the age of 13. We do not knowingly collect personal data from minors. If such data is discovered, it will be deleted promptly. Guardians may contact us for further action. \u00a0 11. Cookies and Similar Technologies When transferring data outside of Cameroon or the EU, Maviance ensures appropriate safeguards such as Standard Contractual Clauses or other legally approved mechanisms are in place. \u00a0 12. External Links The Apps may include links to external websites. Maviance is not responsible for the content or privacy practices of these third-party sites. Please review their respective policies before sharing information. \u00a0 13. Updates to This Privacy Policy This Privacy Policy may be updated periodically. We will notify you of any significant changes by posting the new policy within the App or on our website. Continued use of the service constitutes acceptance of the updated terms. \u00a0 14. Contact Us If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data:\ud83d\udce7 Email: contact@cm.maviance.com\ud83c\udf10 Website: www.maviance.cm<\/p>\n","protected":false},"author":1,"featured_media":14015,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-14007","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Smobilpay App Privacy Policy &#8226; maviance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/maviance.cm\/en\/smobilpay-app-privacy-policy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Smobilpay App Privacy Policy &#8226; maviance\" \/>\n<meta property=\"og:description\" content=\"Smobilpay App Privacy Policy Your privacy matters to us. This Privacy Policy outlines how Maviance PLC and Maviance GmbH collect, use, store, and share your personal information when you use our Smobilpay and Smoprint Mobile Application. We are committed to safeguarding your data and being transparent about how it\u2019s handled. Please take a moment to review this policy to understand your rights and our obligations. For any questions or concerns, contact us at contact@cm.maviance.com. \u00a0 1. Introduction This Privacy Policy explains how Maviance PLC and, where applicable, Maviance GmbH (\u201cwe,\u201d \u201cus,\u201d or \u201cour\u201d) collect, use, and protect personal data when you use the Smobilpay mobile applications (Smobilpay Agent and Smoprint) and related services. By accessing or using our services, you agree to the practices described in this Privacy Policy. \u00a0 2. Personal Information We Collect We collect the following categories of personal data: Identity Data: Name, date of birth, national ID or passport number, and facial photo Contact Data: Phone number, email address, physical address Device and Technical Data: Unique device ID, brand, model, operating system, mobile carrier, connection location Transaction Data: Payment history, transaction amount, recipient details, billers, merchants, payment instruments Usage and Log Data: App usage, login history, IP address, device details at time of crash, configuration data External Data: Information from third-party sources like merchants, credit agencies, identity verification providers Support and Communications Data: Information collected during customer service interactions or surveys \u00a0 3. How We Use Your Information We use personal data to: Deliver our services (e.g., bill payments, money transfers, user account access) Verify your identity and prevent fraudulent activity Improve app functionality, security, and performance Respond to customer support requests and user feedback Comply with legal and regulatory obligations Send service-related notifications and, with consent, promotional content \u00a0 4. Legal Basis for Processing Processing is conducted on the following legal bases: Fulfilment of contractual obligations Compliance with legal obligations Maviance\u2019s legitimate interests in service delivery and fraud prevention User consent, when required (e.g., for promotional messaging) \u00a0 5. Sharing of Personal Data Your data may be shared: Internally within Maviance PLC, Maviance GmbH, and Finafrik subsidiaries With third-party vendors (e.g., customer support, identity verification, transaction processors) With other users or merchants involved in your transactions With government or regulatory authorities when legally required For legal, compliance, audit, risk management, or business continuity purposes (e.g., merger or acquisition) \u00a0 6. Data Retention Personal data is retained only as long as needed for legal, regulatory, and operational purposes. Once retention is no longer necessary, data is securely deleted or anonymized. \u00a0 7. Data Security We apply commercially reasonable technical and organizational measures to protect your personal data. Despite our efforts, no system is completely secure, and users are advised to take precautions when sharing information. \u00a0 8. International Data Transfers When transferring data outside of Cameroon or the EU, Maviance ensures appropriate safeguards such as Standard Contractual Clauses or other legally approved mechanisms are in place. \u00a0 9. Your Rights Depending on applicable data protection laws, you have the right to: Access your personal data Correct or update your data Withdraw your consent (if processing is based on consent) Request data deletion or restriction Object to certain data processing activities File a complaint with a data protection authority \u00a0 10. Children\u2019s Privacy Our services are not intended for children under the age of 13. We do not knowingly collect personal data from minors. If such data is discovered, it will be deleted promptly. Guardians may contact us for further action. \u00a0 11. Cookies and Similar Technologies When transferring data outside of Cameroon or the EU, Maviance ensures appropriate safeguards such as Standard Contractual Clauses or other legally approved mechanisms are in place. \u00a0 12. External Links The Apps may include links to external websites. Maviance is not responsible for the content or privacy practices of these third-party sites. Please review their respective policies before sharing information. \u00a0 13. Updates to This Privacy Policy This Privacy Policy may be updated periodically. We will notify you of any significant changes by posting the new policy within the App or on our website. Continued use of the service constitutes acceptance of the updated terms. \u00a0 14. 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This Privacy Policy outlines how Maviance PLC and Maviance GmbH collect, use, store, and share your personal information when you use our Smobilpay and Smoprint Mobile Application. We are committed to safeguarding your data and being transparent about how it\u2019s handled. Please take a moment to review this policy to understand your rights and our obligations. For any questions or concerns, contact us at contact@cm.maviance.com. \u00a0 1. Introduction This Privacy Policy explains how Maviance PLC and, where applicable, Maviance GmbH (\u201cwe,\u201d \u201cus,\u201d or \u201cour\u201d) collect, use, and protect personal data when you use the Smobilpay mobile applications (Smobilpay Agent and Smoprint) and related services. By accessing or using our services, you agree to the practices described in this Privacy Policy. \u00a0 2. Personal Information We Collect We collect the following categories of personal data: Identity Data: Name, date of birth, national ID or passport number, and facial photo Contact Data: Phone number, email address, physical address Device and Technical Data: Unique device ID, brand, model, operating system, mobile carrier, connection location Transaction Data: Payment history, transaction amount, recipient details, billers, merchants, payment instruments Usage and Log Data: App usage, login history, IP address, device details at time of crash, configuration data External Data: Information from third-party sources like merchants, credit agencies, identity verification providers Support and Communications Data: Information collected during customer service interactions or surveys \u00a0 3. How We Use Your Information We use personal data to: Deliver our services (e.g., bill payments, money transfers, user account access) Verify your identity and prevent fraudulent activity Improve app functionality, security, and performance Respond to customer support requests and user feedback Comply with legal and regulatory obligations Send service-related notifications and, with consent, promotional content \u00a0 4. Legal Basis for Processing Processing is conducted on the following legal bases: Fulfilment of contractual obligations Compliance with legal obligations Maviance\u2019s legitimate interests in service delivery and fraud prevention User consent, when required (e.g., for promotional messaging) \u00a0 5. Sharing of Personal Data Your data may be shared: Internally within Maviance PLC, Maviance GmbH, and Finafrik subsidiaries With third-party vendors (e.g., customer support, identity verification, transaction processors) With other users or merchants involved in your transactions With government or regulatory authorities when legally required For legal, compliance, audit, risk management, or business continuity purposes (e.g., merger or acquisition) \u00a0 6. Data Retention Personal data is retained only as long as needed for legal, regulatory, and operational purposes. Once retention is no longer necessary, data is securely deleted or anonymized. \u00a0 7. Data Security We apply commercially reasonable technical and organizational measures to protect your personal data. Despite our efforts, no system is completely secure, and users are advised to take precautions when sharing information. \u00a0 8. International Data Transfers When transferring data outside of Cameroon or the EU, Maviance ensures appropriate safeguards such as Standard Contractual Clauses or other legally approved mechanisms are in place. \u00a0 9. Your Rights Depending on applicable data protection laws, you have the right to: Access your personal data Correct or update your data Withdraw your consent (if processing is based on consent) Request data deletion or restriction Object to certain data processing activities File a complaint with a data protection authority \u00a0 10. Children\u2019s Privacy Our services are not intended for children under the age of 13. We do not knowingly collect personal data from minors. If such data is discovered, it will be deleted promptly. Guardians may contact us for further action. \u00a0 11. 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