Introduction
This privacy policy covers the apps listed below and collectively referred to as “App or Apps” in this Privacy Policy:
The Apps are free and require zero payment from the user.
The Apps are developed by Maviance GbmH, whose registered office is located in Brüderstr 63, 04103 Leipzig – Germany and is registered in Germany under the registration number HRB 24737 Leipzig. Maviance GmbH is a software development and technology service provider that specializes in digital transformation and in developing custom solutions for its customers, in the area of banking & finance, smart metering, visa management solutions and e-government.
The Apps are operated by Maviance PLC, an independent company, whose registered office is located in 8520 Rue de l’Hotel de Ville, Bonanjo, Douala – Cameroon and registered with the Douala Trade Register under number RC/DLA/2021/M/4020. Maviance PLC operates the Apps to offer and commercialize Smobilpay Service to customers in Cameroon and the CEMAC region in its capacity as a company specialized in making financial services affordable for the masses through partnerships with the CEMAC region.
Maviance (“we, us or our”) hereinafter refers to Maviance PLC as operator of the Service and only where applicable to Maviance GmbH as application developer and data controller.
This page is used to inform website visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.
If you choose to use our Smobilpay Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.
The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at Smobilpay unless otherwise defined in this Privacy Policy.
Information Collection and Use
Personal Data means information of any type that makes it possible to identify, directly or indirectly, a living natural person. This includes, for example, a name, address, telephone number, but also login and encrypted data and other types of electronic identifiers (e.g. IP addresses) in case this data could be associated with a living natural person. The information we learn from customers helps us personalize and continually improve your Smobilpay experience.
We collect Personal Data about you when you visit our Sites or use our Services, including the following information:
-
- Registration Information: When you register to use our Services by creating an account, we collect the Personal Data necessary to provide and provide you with the Services you request. We ask you to provide us with your phone number, email address. We may also ask you to provide us with additional Personal Data when you use our Services, including:
-
- The identity document (national card, passport)
-
- General information: When you use our services, we have access to the following information:
-
- Unique identifier for your device,
-
- The brand of the phone (its model),
-
- The phone carrier used by the phone to connect
-
- Location information for the connection
-
- Transaction Information: When you use our Services or access our Sites, for example to pay for bills, send or collect money, we collect information about the transaction, as well as other information associated with the transaction, such as the bill details, amount, merchant information, including information about the payment instruments used to complete the transaction.
-
- Personal Data about you from external sources: We obtain information from external sources, such as merchants, data providers and credit agencies, to the extent permitted by law. The Apps also use third party services that may collect information used to identify you. Link to privacy policy of third party service providers used by the app
-
- Other information collected about your use of our Sites or Services: We may collect additional information from or about you when you communicate with us, contact our customer support teams, or respond to a survey.
Log Data
We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.
Retention of Personal Data
We retain Personal Data in an identifiable format for the minimum time necessary to fulfill our legal or regulatory obligations, and for our operational purposes. We may retain Personal Data for longer periods than required by law to defend our legitimate business interests, but not to violate the law.
Cookies
Cookies are files with small amount of data that is commonly used an anonymous unique identifier. These are sent to your browser from the website that you visit and are stored on your device internal memory.
This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collection information and to improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.
Security
We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.
Links to Other Sites
This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
Children’s Privacy
These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.
Contact Us
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us – contact@cm.maviance.com
Processing Personal Data
The processing of Personal Data refers to each operation carried out in relation to Personal Data, whether carried out automatically or not. For example, the collection, recording, organisation, arrangement, storage, adaptation, transfer and deletion of data are usually covered here.
We may process your Personal Data for various reasons justified under data protection laws depending on the jurisdiction in which you are located:
-
- To operate the site, application, provide the Services, including:
-
- Make a pay a bill, send money, pay for a service
-
- Authenticate your access to an Account
-
- Contact you about your Account, the Website, the Smobilpay Services
-
- Link your Account to a third-party account or platform
-
- Keep your Account and financial information up to date
-
- To manage our operational needs, such as tracking, analyzing, and improving the performance and functionality of the Services and website. For example, we analyze User behavior and conduct studies on how you use our Services to help us improve our services.
-
- To manage risk and protect , the Services and you from fraud by verifying your identity. Smobilpay’s risk management and anti-fraud tools use Personal Data, device information, and geolocation information from our Apps.
-
- To comply with our obligations and enforce the terms of our Site and Services, including to comply with all applicable laws and regulations
-
- To defend our legitimate interests, in particular to:
-
- Enforce the terms of our Sites and Services
-
- With your consent, in particular to:
-
- Send you offers on Smobilpay products and Services, and products and services of unaffiliated companies. We may also process your Personal Data to tailor marketing content and certain experiences of the Services or Sites to your interests on Smobilpay
-
- Send you information on Service degradation or unavailability
-
- To provide you with options, features, or offers related to your location if you choose to share your Geolocation Information through the Services.
-
- To respond to your requests, for example, to contact you about a question you have sent to our Customer Service
Sharing Personal Data
We may share your Personal Data or other information about you with third parties in specific circumstances. We may disclose your Personal Data or other information for the following reasons:
-
- With subsidiaries of the Finafrik and Maviance: we may share your Personal Data with subsidiaries of the Finafrik and Maviance, in particular to provide the Services you have requested or authorised, manage risks, detect and prevent potentially illegal and fraudulent acts and other violations of our regulations and conditions, and manage the availability and connectivity of products.
-
- With other companies that provide services to us: We share Personal Data with third-party service providers who perform services and perform specific functions on our instructions and on our behalf, including the department in charge of verifying your identity, screening your profile on sanctions lists. Such third-party providers may, for example, provide you with Services, verify your identity, assist in processing transactions, send you advertisements about our products and services, or provide customer support.
-
- With regulatory authorities: We share Personal Data with regulatory authorities upon their request, in accordance with the law.
-
- With other parties involved in transactions when you use the Services, such as other Users and merchants: We may share information about you and your Account with other parties involved in processing your transactions, including other Users to whom you send money or receive money, merchants and their service providers and our payment processor. Information may include:
-
- Personal Data and account information necessary to facilitate the transaction, including the amount of the transaction and your unique identifier (phone number)
-
- Personal Data that enables other partners to resolve disputes and detect and prevent fraud
-
- With other third parties for commercial purposes or as permitted or required by law: we may share information about you with other parties for commercial purposes or as permitted or required by law, including:
-
- To comply with a law, procedural act or regulation
-
- With law enforcement authorities, other government officials or other third parties, pursuant to a subpoena, court order or other procedural act or requirement applicable to Maviance
-
- If we believe, in our sole discretion, that disclosure of Personal Data is necessary or appropriate in order to avoid personal injury or financial loss, or in connection with a study of suspected or actual illegal activity
-
- With data processors for anti-fraud and compliance purposes
-
- To investigate violations of or enforce certain Terms of Use, or other legal terms applicable to any Service
-
- To protect our property, Services and legal rights
-
- To enable the purchase or sale of all or part of Maviance’s business
-
- To assess and manage risk, and prevent fraud against Maviance and our Users, and fraud involving our Site or the use of our Services, including fraud that occurs at or involves our business partners, strategic businesses or other individuals and merchants.
-
- To companies with which we plan to merge or through which we plan to be acquired
-
- To support our audit, compliance and corporate governance functions
