Welcome to PayAssist

This Privacy Policy explains how Primera Technologies Limited (“PayAssist”, “we”, “our”, or “us”), duly registered by the Corporate Affairs Commission with the registration number RC1492796, collects, uses, discloses, and protects your personal information when you use our PayAssist mobile application and related services (collectively, the “Services”).

By using PayAssist, you consent to the practices described in this Privacy Policy.

This Privacy Policy serves to set out our approach to personal data, inclusive of personal data of our Users. This Privacy Policy applies to systems, operations and processes of Payassist that involve the collection, use, storage, and disclosure etc. of personal information of our Users. This Privacy Policy applies to the use of our mobile applications - Payassist owned and operated by us. Currently, this Service operates only in Nigeria, and is only available to users who have Nigerian bank accounts. For our Users, this Privacy Policy is part of our Terms of Use.

This Privacy Policy applies to your use of (regardless of means of access) our Services. You may access or use our Services through our mobile application. This Privacy Policy also applies to your offline interactions with Payassist.

When you submit an inquiry to us via any means, register for a Payassist account, register to attend a Payassist event, interact with us on social media, partake in competitions and promotional activities and volunteer information to us; we may collect personal information from you, which may include your name, email address, mobile phone number, banking information, registered business information, image and other information that identifies you (collectively, "Personal Information"). By accessing or using our Services, you agree to this Privacy Policy.

Guiding Principles Payassist is committed to maintaining the principles in the Nigerian Data Protection Act (NDPA) 2023, the NDPA General Application and Implementation Directive (NDPA-GAID) 2025 and other applicable privacy and data protection laws regarding the processing of Personal Information. To demonstrate this commitment as well as our aim of creating a positive privacy culture within Payassist, Payassist adheres to the following basic principles relating to the processing of Personal Information: lawfulness, fairness and transparency; data accuracy; purpose limitation; data minimization; storage limitation; integrity and confidentiality; and accountability.

Lawful Basis for use of your personal INFORMATION We may process your Personal Information under any of the bases provided below as recognised by data protection laws: Consent By using our Services, you consent to the terms of this Privacy Policy, as to allow us to utilise your data to serve you more accurately.

By accessing our Services and voluntarily providing us with the requested Personal Information, you consent to the collection and use of the information in accordance with this Privacy Policy. Your consent can be withdrawn at any time by sending a request to that effect to this e-mail: support@payassist.ng or calling +234 916 392 4321. If you do not consent to the collection, use or disclosure of your Personal Information as outlined in this Privacy Policy, please do not use Payassist.

Contractual obligations We may process your Personal Information to fulfil our contractual obligations such as providing our Services to you or to take necessary actions at your request before providing our Services to you. This enables us to provide you with the Services you request

When you enter into a contract with us, such as subscribing to our Services, or engaging in a business agreement, we need to use your Personal Information to carry out our commitments. This includes processing information such as your name, contact details, payment information, Business information and any other data necessary to deliver the agreed-upon Services or products. Without this data, we would be unable to complete transactions or manage our contractual relationship effectively.

Legal obligations We have to ensure we aren’t breaking any laws by offering our payment and related services to by preventing illegal activities like money laundering, terrorism financing and fraud. To do this, we need to process your data to:

● confirm your identity when you sign up or get in touch.

● prevent illegal activities like money laundering, tax evasion and fraud.

● keep records of information we hold about you in line with legal requirements.

● adhere to banking laws and regulations (these mean we sometimes need to share customer details with regulators, tax authorities, law enforcement or other third parties).

Legitimate Interest We may also process your Personal Information on the grounds of legitimate interest such as fraud investigation and prevention, to safeguard our IT systems, and for user-tailored marketing. We may process personal data on this basis as long as same is not in contravention of the other lawful bases, fundamental rights or freedoms of our users or where users would not have a reasonable expectation that the personal data would be processed in the manner envisaged.

Vital Interest We may process your Personal information if necessary to protect your vital interests or the interests of another natural person, where the data subject is physically or legally incapable of giving consent such as in the event of a claim for any amounts in the account of a deceased User by the User’s next-of-kin.

Public Interest We may process your Personal Information if necessary to perform an obligation in the public interest or by virtue of an official authority bestowed on us.

These lawful bases may be extended to cover any additional grounds for the processing of personal data as may be recognised by data protection laws in force from time to time.

INFORMATION WE COLLECT AND HOW WE COLLECT

In general, you can visit https://www.payassist.ng without telling us who you are or revealing any information about yourself. As a first time User of our app, we will ask you to create login information for your Payassist account. When you register and use PayAssist, we may collect the following personal information:

● Full name

● Email address

● Phone number

● Registered business name

● Business address

● Bank account details

● Business Registration certificate number

We may also collect information relating to your transactions within PayAssist.

By providing your Personal Information and any other kind of information or data to us, you expressly agree to our collection, use, storage, and disclosure of such information as described in this Privacy Policy.

Session cookies: Session cookies are temporary cookies that expire and are automatically erased whenever you close your browser window. This website (https://payassist.ng) does not use cookies, tracking technologies, or collect any personal data.

How We Use Your Information

We may use Analytics for research and commercial purposes to improve our Services. We may use Personal Information to fulfil and support our contractual obligations to you, to send important notices such as communications about our Services and changes to our terms, conditions, and policies, for our legitimate interests related to internal purposes such as auditing, data analysis, network and IT security, or to personalise and improve your experience within the PayAssist app and for other purposes contained in this Privacy Policy. You may elect not to receive promotional emails from us either by "unsubscribing" to an email you receive from us or by contacting us as indicated below. As a User, if you unsubscribe from receiving emails from us, we may still send you non-promotional emails, such as emails about your Payassist account or our ongoing business relations, unless you withdraw your consent to receive electronic communications as provided in our Terms of Use.

We use your personal information for the following purposes:

● To create and manage your PayAssist account

● To facilitate withdrawals and transfers from PayAssist to your linked bank account.

● To personalise and improve your experience within the PayAssist app

● To comply with legal and regulatory obligations.

We do not use your information beyond the purposes stated above.

How We Share

You agree that we can share your Personal Information, and other information that you share with us:

● if you request or authorise it

● If you make your profile public on Payassist

● if the information is provided to help complete a transaction for you

● with financial service providers that provide banking services in connection with your Payassist account

● with another User, when you sign up for our Services via a referral link. The User that referred you may receive information indicating that you have enrolled with us

● with non-financial companies and fraud prevention service providers that use the information to provide services to us

● with selected third parties including business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you

● in response to a request for information, if we are required by, or we believe disclosure is in accordance with applicable laws, rules, regulations, governmental and quasi-governmental requests, court orders, or subpoenas or legal process to investigate fraud

● for our everyday business purposes

● protect our rights, property, or safety or the rights, property, or safety of our Users or others

We do not share your Personal Information with: (1) other companies for joint marketing purposes without your consent; or (2) any other third parties so they can market to you. If you provide us with bank account information through our Services, we may share that information with third-party payment processors solely to the extent necessary to provide you with the relevant Services

When you are no longer our User, we may continue to share your information as described in this Privacy Policy as permitted by applicable laws.

We do not sell or rent your personal data to third parties

Security and Storage of your Personal. We have suitable security measures in place to prevent your Personal Information from being accidentally lost or used or accessed in an unauthorised way by a third party. Your transaction via our Services are protected by encryption technology, such as Secure Sockets Layer (SSL) and custom encryption at rest and transit. In addition, we limit access to your Personal Information to those employees, employers, agents, contractors and other third parties who have a business with us on a need to know basis. They will only process your Personal Information on our instructions. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

We have, and require our third-party service providers that receive Personal Information from us to have, a comprehensive written information security program that contains administrative, technical, and physical safeguards for our respective physical facilities and in our respective computer systems, databases, and communications networks that are reasonably designed to protect information contained within such systems from loss, misuse, or alteration.

No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your email address, username and password for your Payssist account and do not share them with others.

If we receive instructions using your Payassist account login information or other t security information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your Payassist account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate Payassist accounts, and to remove or edit content.

Data Retention Subject to applicable law, which might, from time to time, oblige us to store your Personal Information for a certain period of time, we will retain your Personal Information for as long as necessary to fulfil the purposes we collected it for, including the purposes of satisfying any legal, accounting, or reporting requirements. We retain your account and transaction information for 6 months after account closure. Thereafter, your data will be securely deleted unless otherwise required by law.

Protecting Children's Privacy Our Services are not directed, or intended to be attractive, to children under the age of eighteen (18). We do not knowingly collect Personal Information from children under the age of eighteen (18). If you are under the age of eighteen (18), do not use our Services or submit any information to us.

Data security We deploy strict physical, electronic, and administrative security measures to protect your information from access by unauthorised persons, against unlawful processing and foreseeable hazards and breaches. While we take all reasonable steps to safeguard your information, no method of transmission or storage is completely and totally or 100% secure. By using PayAssist, you acknowledge that you are also responsible for the security of your information.

By accessing this Website and using our service, you are agreeing to the terms set out above. Please note that if you request the erasure of your Personal Information, we may retain and use your Personal Information to the extent necessary to comply with our legal obligations, including but not limited to tax, legal reporting and auditing obligations.

Opt-Out Rights If you do not wish to receive offers or other notices from us in the future, you can "opt out" by contacting us as indicated at the end of this Privacy Policy or by following the "unsubscribe" instructions in any communication you receive from us. Please be aware that if you are a User, you are not able to opt out of receiving communications about your Payassist account or related transactions with us.

User Rights

In line with the Nigeria Data Protection Act (NDPA) 2023, you have the following rights:

● Right to Access: Request a copy of the personal information we hold about you. Before sending you any Personal Information, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you any Personal Information. We will respond as quickly as we can to your requests for details of Personal Information we hold about you.

● Right to Rectification: Request correction of any inaccurate or incomplete data. If you are a User, you can change some of your Personal Information by updating your Payassist account profile through our Services. Changes to financial details will require you to contact us directly.

● Right to Erasure: Request deletion of your personal data, subject to legal or regulatory requirements. Note however that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Steps to request erasure/deletion

● Right to Withdraw Consent: Withdraw your consent to data processing at any time. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

Grievance Redress Procedure

Any complaints, questions, or requests regarding the processing of Personal Information should be directed to our customer service representatives via email at support@payassist.ng or +234 916 392 4321. In the event of an infringement of data protection rights, we will ensure any damage is remedied within the shortest possible time.

We are committed to promptly addressing any violations of data subjects' rights. Upon receiving a complaint or becoming aware of a breach, we will acknowledge the issue within 72 hours. We aim to fully resolve all issues within 2 business days. In cases where more time is required due to complexity, we will inform the data subject of the extension and the reasons for it within the one-month period.

Changes to our Privacy Policy

Subject to applicable law, we may revise this Privacy Policy at any time and in our sole discretion. When we revise this Privacy Policy, we will post the revised version via our Website and will update the date at the top of this Privacy Policy. The revised Privacy Policy will be effective upon posting via our Services, unless otherwise set forth therein or as otherwise required by applicable law. You are free to decide whether or not to accept a revised version of this Privacy Policy, but accepting this Privacy Policy, as revised, is required for you to continue accessing or using our Services. If you do not agree to the terms of this Privacy Policy or any revised version of this Privacy Policy, your sole recourse is to terminate your access and use of our Services. Except as otherwise expressly stated by us, your access and use of our Services is subject to the version of this Privacy Policy in effect at the time of access or use.

How can I contact Payassist? If you have any questions, comments, or concerns with respect to your Personal Information or this Privacy Policy please contact us at support@payassist.ng or +234 916 392 4321.