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General information
KurePay is a global organization, with legal entities, business processes, management structures, and technical systems that cross borders. This privacy policy applies to all  KurePay-owned websites and domains and the websites and domains of our wholly owned subsidiaries KurePay website, except that a privacy policy or statement posted on KurePay websites specific to a particular KurePay program or service will apply instead of this privacy statement.
We provide links to third-party websites for your convenience and information. If you access those links, you will leave the KurePay website. KurePay does not control those sites or their privacy practices, which may differ from KurePay’s practices. We do not endorse or make any representations about third-party websites. The personal data you choose to provide or that is collected by these third parties is not covered by the KurePay privacy policy. We encourage you to review the privacy policy of any company before submitting your personal information.
KurePay respects your privacy. We offer services that enable platforms and merchants to run businesses, and to safely conduct online payment transactions.
This Privacy Policy describes a user’s privacy rights regarding our collection, storage, use, and sharing of personal information. This policy also describes your rights and choices, and how you can contact us about our privacy practices. This policy does not apply to third-party websites, products, or services, even if they link to our Services or Sites, and you should consider the privacy practices of those third-parties carefully.
SCOPE AND CONTENT
As a user, you accept this privacy policy when you sign up for, access, or use our product, service, content, features, technologies or functions offered on our webpage and all related sites, application, and service.
This privacy policy is intended to govern the use of KurePay services by users (including, without limitation those who use these KurePay services in the daily course of their trade, practice, or business) unless otherwise agreed through contract.
We may amend this privacy policy at any time by posting a reserved version on our website. The revised version will become effective as of the published effective date. Furthermore, if any revised version includes a significant change in the terms, users shall be informed via a notice posted on the policy update page on our website or receive a mail from KurePay.
RECEIVING PERSONAL INFORMATION
To serve you better and understand your needs and interests, KurePay collects, exports, and uses personal information with adequate notice and consent, along with required filings with data protection authorities, when applicable. For example, when you order products or services, apply for instant credit, request information, subscribe to marketing or support materials, register yourself or your KurePay products, enter contests or participate in surveys, or apply for a job at KurePay, we will ask you to provide personal information to complete these transactions. The types of personal information you provide to us on these pages may include contact information such as your name, address, telephone number, and email address; your card number; and other unique information such as user IDs and passwords, billing and transaction information, product and service preferences, contact preferences, educational and employment background, and job interest data. We collect the following types of personal information in order to provide you with the use of KurePay Services, and to help us personalize and improve your experience.
In addition to the information you provide, KurePay may also collect information during your visit to KurePay website through our Automatic Data Collection Tools, which include Web beacons, cookies, embedded Web links, and other commonly used information-gathering tools. These tools collect certain standard information that your browser sends to our website such as your browser type and language, access times, and the address of the website from which you arrived at an KurePay website. They may also collect information about your Internet Protocol (IP) address, clickstream behavior (i.e. the pages you view, the links you click, and other actions you take in connection with KurePay websites) and product information. An IP address is a number that is automatically assigned to your computer whenever you are surfing the Web, allowing Web servers to locate and identify your computer. Computers use IP addresses to communicate on the Internet, allowing users to browse and shop. KurePay may also use some of these Automatic Data Collection Tools in connection with certain emails sent from KurePay and therefore may collect information using these tools when you open the email or click on a link contained in the email.
When you use KurePay Services, we also collect information about your transactions and your activities. In addition, if you open a Kurewallet account or use KurePay Services, we may collect the following types of information;
  • Contact information, such as your name, address, phone, email and other similar information.
  • Financial information, such as the full bank account numbers and/or credit card numbers that you link to your Kurewallet account or give us when you use KurePay Services.
  • We may also collect information about you from other sources, such as through your contact with us, including our One view customer support team, your results when you respond to a survey, your interactions with members of the KurePay Group or other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole).
    Third Party Sources: We may also obtain information about you from third parties such as credit bureaus and identity verification services. Users may also choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). However, the information we may receive varies by site and is controlled by that site. By associating a third party account managed by a third party with your KurePay account and authorizing KurePay to have access to this information, you agree that KurePay may collect, store and use this information in accordance with this Privacy Policy.
    USE OF PERSONAL INFORMATION
    The information KurePay collects to understand your needs and interests helps KurePay deliver a consistent and personalized experience. For example,KurePay may use your information to assist you in completing a transaction or order; prevent and detect fraud or other malicious activity; communicate with you about products and services; provide service and support; update you on new services and benefits; provide personalized promotional offers; select content to be communicated to you; personalize some KurePay websites; allow you to participate in contests and surveys; and contact you for market research regarding KurePay products or services. The testimonials posted on our Web site are only posted with the expressed permission of the individual or company who provided that testimonial. Card information is used only for payment processing and card activation.
    STORAGE
    We store and process your personal information on our computers in Lagos, Nigeria and anywhere else where our facilities are located. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.
    SHARING PERSONAL INFORMATION
    KurePay will not sell, rent or lease your personal information to others except as described in this Statement. KurePay shares personal information in the following ways: KurePay retains service providers and suppliers to deliver complete products, services and customer solutions and to assist KurePay with marketing and communication initiatives. These providers and suppliers include, for example, credit card processors, providers of customer support and live-help, email service providers, automated data processors, and shipping agents. Suppliers and service providers are required by contract to keep confidential the information received on behalf of KurePay and may not use it for any purpose other than to carry out the services they are performing for KurePay.
    From time to time, KurePay participates in marketing initiatives with other companies. As part of these initiatives, certain KurePay services and marketing communications are delivered at the same time as those from other companies. Some of these services and communications offer you the option to share personal information with both KurePay and the other companies participating in these initiatives. For example, you may receive marketing communications from KurePay and other companies or have the opportunity to register online for software products from multiple companies. If you choose to provide personal information only to KurePay will not share this information with the other companies participating in that marketing initiative. If you choose to provide personal information to the other companies, that personal information will be handled according to the privacy policy of those companies. KurePay will require the export of your personal information to other KurePay -owned business entities in the Nigeria and Worldwide in accordance with this privacy policy to satisfy your request. Such export is a requirement of providing the information to KurePay.
    Except as described in this privacy policy, KUREPAY will not share the personal information you provide to KUREPAY with non-KUREPAY third parties without your permission, unless to:
    • respond to duly authorized information requests of police and governmental authorities;
    • comply with any law, regulation, subpoena, or court order;
    • help prevent fraud or to enforce or protect the rights and properties of KUREPAY or its subsidiaries; or
    • protect the personal safety of KUREPAY employees and third parties on KUREPAY property. Circumstances may arise where, whether for strategic or other business reasons, KUREPAY decides to sell, buy, merge or otherwise reorganize businesses in some countries. Such a transaction may involve the disclosure of personal information to prospective or actual purchasers, or the receipt of it from sellers. It is KUREPAY's practice to seek appropriate protection for information in these types of transactions.
    SHARING PERSONAL INFORMATION WITH OTHER KUREPAY USERS
    When transacting with others, we may provide those parties with information about you necessary to complete the transaction, such as your name, account ID, contact details, shipping and billing address, or other information needed to promote the reliability and security of the transaction. If a transaction is held, fails, or is later invalidated, we may also provide details of the unsuccessful transaction. 
    To facilitate dispute resolution, we may provide a buyer with the seller’s address so that goods can be returned to the seller. The receiving party is not allowed to use this information for unrelated purposes, such as to directly market to you, unless you have agreed to it. Contacting users with unwanted or threatening messages is not authorised by KurePay.
    If someone is sending you money and enters your email address or phone number, we will provide them your registered name so they can verify they are sending the money to the correct account.
    We work with third parties, including merchants, to enable them to accept or send payments from or to you using KurePay Services. In doing so, a third party may share information about you with us, such as your email address or mobile phone number, to inform you that a payment has been sent to you or when you attempt to pay a merchant or third party. We use this information to confirm that you are a KurePay customer and that KurePay as a form of payment can be enabled, or to send you notification of payment status. Also, if you request that we validate your status as a KurePay customer with a third party, we will do so.
    If you link your loyalty or gift card of a KurePay related merchant to your account, your card number may be available for your use with that merchant when you pay using KurePay Services.
    Please note that merchants, sellers, and users you buy from or contract with have their own privacy policies, and KurePay does not allow the other transacting party to use this information for anything other than providing KurePay Services, KurePay is not responsible for their actions, including their information protection practices.
    Notwithstanding, we will not disclose your credit/debit card number or bank account number to anyone you have paid or who has paid you using KurePay Services, or with the third parties that offer or use KurePay Services, except with your express permission or if we are required to do so to comply with credit/debit card rules, a subpoena, or other legal processes.
    SHARING PERSONAL INFORMATION WITH THIRD PARTIES
    We may be required to share your personal information with:
    • Members of the KurePay community to provide joint content, products, and services (such as registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services, and communications. Members of the community will use this information to send you marketing communications only if you have requested their services.
    • Financial institutions that we partner with to jointly create and offer a product. These financial institutions may only use this information to market KurePay related products, unless you have given consent for other uses.
    • Credit bureaus and collection agencies to report account information, as permitted by law.
    • Banking partners as required by credit/debit card association rules for inclusion on their list of terminated merchants.
    • Companies that we plan to merge with or are acquired by. (Should such a combination occur, we will require that the new combined entity follow this Privacy Policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)
    • Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to KurePay or one of its affiliates; when we need to do so to comply with law or credit/debit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement.
    • Other unaffiliated third parties, for the following purposes:
    • Fraud Prevention and Risk Management: to help prevent fraud or assess and manage risk.
    • Customer Service: for customer service purposes, including to help service your accounts or resolve disputes.
    • Shipping: in connection with shipping and related services for purchases made using KurePay Services.
    • Legal Compliance: to help them comply with anti-money laundering and counter-terrorist financing verification requirements.
    • Service Providers: to enable service providers under contract with us to support our business operations, such as fraud prevention, bill collection, marketing, customer service and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
    Please note that these third parties may be in other countries where the laws on processing personal information may be less stringent than in your country
    If you open a Kurewallet or related wallet account directly on a third party website or via a third party application, any information that you enter on that website or application (and not directly on an KurePay website) will be shared with the owner of the third party website or application. These sites are governed by their own privacy policies and you are encouraged to review their privacy policies before providing them with personal information. KurePay is not responsible for the content or information practices of such third parties.