Privacy Policy

05/23/2025

1. Introduction

At HandyPay, we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our mobile payment application and services.

2. Information We Collect

We collect information you provide directly, such as your name, email address, phone number, and business information during account registration. We also collect authentication data through Apple Sign-In, including your user ID and profile information.

3. Payment Information

Payment data is processed securely through Stripe and is not stored on our servers. We do not have access to your full credit card numbers, bank account details, or payment credentials. Stripe handles all payment processing in compliance with PCI DSS standards.

4. Transaction Data

We collect transaction information including amounts, timestamps, and merchant details for your payment history and receipts. This data helps us provide transaction records and improve our services.

5. Device and Usage Information

We collect information about your device, including device type, operating system, app version, and usage patterns. This helps us optimize the app performance and provide technical support.

6. How We Use Your Information

• Process payments and manage your account
• Provide customer support and technical assistance
• Send transaction notifications and receipts
• Improve our app and develop new features
• Comply with legal and regulatory requirements
• Prevent fraud and ensure platform security

7. Information Sharing

We do not sell or rent your personal information to third parties. We may share information with:

• Stripe for payment processing
• Financial institutions for payout processing
• Law enforcement when required by law
• Service providers who assist our operations

8. Data Security

We implement industry-standard security measures including encryption, secure servers, and regular security audits. Your payment information is protected by Stripe's advanced security systems. We use secure connections (HTTPS) for all data transmission.

9. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Transaction records are typically retained for 7 years as required by Jamaican financial regulations. You can request deletion of your account data at any time.

10. Your Rights

• Access your personal information
• Correct inaccurate information
• Request deletion of your data
• Object to processing of your information
• Request data portability

11. Cookies and Tracking

Our mobile app may use cookies and similar technologies to improve user experience and analyze app usage. You can manage cookie preferences through your device settings.

12. International Data Transfers

Your data may be transferred to and processed in countries other than Jamaica, including the United States for Stripe's services. We ensure appropriate safeguards are in place for such transfers.

13. Children's Privacy

Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18.

14. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes via the app or email. Your continued use of our services after changes take effect constitutes acceptance of the updated policy.

15. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at privacy@handypay.com or support@tryhandypay.org.