Privacy Policy

Effective Date: December 27, 2024

This Privacy Notice describes how NOZIPAY sh.p.k.  and our affiliates  collect, use, disclose, transfer, store, retain or otherwise process your information when you (“you,” “your”)  sign up for a NOZIPAY account and other services through online at https://nozipay.com/ (collectively, “Services”).

This Privacy Notice applies to your use of our Services, and covers only information collected in connection with your access to and use of our Services. Please read this Privacy Notice carefully. By continuing to interact with our Services, you are consenting to the practices described in this Privacy Notice.

We need to collect information about you to provide you with the Services or the support you request. Specifically, we collect (and/or have collected during at least the 12-month period preceding the effective date of this Privacy Notice) the categories of personal information described below. Additionally, you can choose to voluntarily provide information to us.

We collect information you provide when you apply or sign up for a NOZIPAY account, go through our identity or account verification process, authenticate into your account, communicate with us, answer our surveys, participate in contests or promotions offered by us or our partners, or otherwise use our Services. We collect the following categories of information about you when you use our Services, including:

• Identification Information, such as: Your name, email address, zip or postal code, phone number, signature, and authentication credentials (for example, information you use to log in to your NOZIPAY account), including Internet Protocol (“IP”) address.
• Additional Identification Information for Verified Users, such as: Your full mailing address; date of birth; government-issued identification, including Social Security number, passport, or driver’s license; and photograph, facial scan and biometrics extracted from such image if you choose to share such information in order to send and receive larger payment amounts.
• Financial Information, such as: Bank account and payment card numbers you add to your NOZIPAY account, as well as your NOZIPAY Card number if you have one.
• Contacts Information. In order to provide you with the Service, we will also need to collect information from you about the intended recipient of the payment you request us to make. We will therefore ask you to provide contact details of your intended recipient. You can do this by manually entering a phone number or email address into the NOZIPAY. You can also choose to let us access your phone contacts information, as described below (under Information You Provide to Enhance Your Experience).
• Transaction Information. When you use our Services to make, accept, or request payments, we collect information such as: when and where the transactions occur, the names of the transacting parties, a description of the transactions, the payment or transfer amounts, and the devices and payment methods used to complete the transactions.

You can choose to provide us with additional information to improve your user experience when using our Services:

• Contacts Information. You can choose to let us access and upload your phone contacts information to make it easier for you to find the people you want to send money to, to help you invite your friends to NOZIPAY, for account and identity verification and fraud prevention purposes, to reduce the risk you will send payments to the wrong person, or to provide other personalized services. You can update your settings to stop sharing your phone contacts with us at any time, although we will always need a recipient’s phone or email address to send money to them as requested by you.
• Other Information You Provide. We collect information that you voluntarily provide to us, including your photograph, if you choose to upload a picture to the Services; survey responses; participation in contests, or other prospective marketing forms or devices; suggestions for improvements; referrals; or any other actions you perform on the Services.

We collect information about you and the devices you use to access the Services, such as your computer, mobile phone, or tablet. The information that we collect includes:

• Geolocation Information. The location of your device, including your IP address, device language, and location of your network provider. This may include precise geolocation information. For more information and to learn how to disable collection of precise geolocation information from your mobile device, please see below.

• Device Information. Information about your device, including your hardware model, operating system and version, device name, unique device identifier, mobile network information, and information about the device’s interaction with our Services. If you use an iOS device, we also automatically detect if you have downloaded Chrome, so we can ask you which browser you prefer to use to open links from your NOZIPAY.

• Internet or other electronic network activity information. Information about how you use and interact with our Services, including your access time, “log-in” and “log-out” information, browser type and language, country and language setting on your device, IP address, the domain name of your internet service provider, other attributes about your browser, mobile device and operating system, any specific page you visit on our platform, content you view, features you use, the date and time of your use of the Services, your search terms, and the website you visited before you visited or used the Services.

• Inferences drawn from any of the information we collect to create a profile about you that may reflect, for example, your preferences, characteristics, and behavior, including for account security purposes or to enhance our Services to you.

We collect (and/or have collected during at least the 12-month period preceding the effective date of this Privacy Notice) information about you from the following categories of sources:

• You directly, when you submit information to us or allow us to access information

• Your devices and how you interact with our Services

• Our group companies or affiliates

• Other sources, including:

• Identity Verification. Information from third-party verification services (e.g., identity verification agencies and companies which provide third party analytics (see “Third-Party Analytics” below)), and publicly available sources. In some circumstances, where lawful, this information can include your government-issued identification number.

• Credit, Compliance, and Fraud. Information about you from third parties for any credit investigation, credit eligibility, identity or account verification process, fraud detection process, or collection procedure, or as may otherwise be required by applicable law. This includes, without limitation, the receipt and exchange of account or credit-related information with any credit reporting agency or credit bureau, where lawful, and any person or corporation with whom you have had, currently have, or may have a financial relationship, including without limitation past, present, and future places of employment, financial institutions, and personal reporting agencies.

We may collect, use and share (or have collected, used or shared during at least the 12-month period preceding the effective date of this Privacy Notice), information about you for the following reasons:

• Determining whether the Services are available in your country;
• Processing or recording payment transactions or money transfers;
• Providing you with the NOZIPAY product and features you choose to use;
• Displaying your historical transaction information;
• Connecting you with people you already know;
• Providing, maintaining and improving our Services;
• Developing new products and services;
• Delivering the information and support you request through the use of our Services;
• Improving, personalizing and facilitating your use of our Services, content and applications;
• Measuring, tracking and analyzing trends and usage in connection with your use or the performance of our Services, including promotions or discounts offered by us or our partners; and
• Otherwise providing you with the products and features you choose to use.

• Sending you surveys and getting your feedback about our Services; and

• Sending you information we think you may find useful or which you have requested from us about our products and services.

• Conducting investigations, complying with and enforcing any applicable laws, regulations, legal requirements, and industry standards, and responding to lawful requests for information from the government or to valid legal process;

• Contacting you to resolve disputes, collect fees and help you with our Services;

• Debugging to identify and fix errors that impair how our Services function;

• Making sure you follow our Terms of Service or other applicable agreements or policies;

• Investigating, detecting, preventing, recovering from, or reporting fraud, misrepresentations, security breaches or incidents, other potentially prohibited, malicious, or illegal activities, or to otherwise help protect your account, including to dispute chargebacks on your behalf;

• Protecting your, our, or our other customers’ rights or property, or the security or integrity of our Services;

• Verifying or maintaining the quality and safety of our Services; and

• Verifying your identity (e.g., through government-issued identification numbers).

• Marketing our Services to you; and

• Communicating with you about opportunities, products, services, contests, promotions, discounts, incentives, surveys, and rewards offered by us and select partners.

If we send you marketing emails, each email will have instructions on how you can “opt out” of getting future marketing from us.

• For any other reason we may tell you about from time to time, with your consent.

We may share the information described in the “Information We Collect About You” section with the following categories of service providers and third parties:

With other users of our Services. For example, we may share information with the person(s) with whom you transact when you make or accept a payment or money transfer using our Services. This helps them know they’re getting money from you (or that you requested a payment from them). We may also make certain information available to other NOZIPAY customers to help them know they’re making a payment to the right person, such as when you joined NOZIPAY and whether you appear in their contacts, and the number of people in their contacts who have also transacted with you. We may also make certain information available to person(s) with whom you choose to communicate using our Services to help them know they are communicating with the right person, such as your name and prior transaction history with such person. If you choose, we may also allow you to share additional information about you and your use of our Services with other NOZIPAY customers.

With our group companies and corporate affiliates, for the reasons outlined above. For example, we may share your information internally to provide you with enhanced services from NOZIPAY and our other company products you use, to understand how you engage with our company products to help make our Services better for you and for everyone, and to help us build Services tailored to your preferences.

With service providers who help us provide, maintain, and improve our Services (e.g., vendors who help us with fraud prevention, identity verification, and fee collection services), as well as financial institutions, payment networks, payment card associations, credit bureaus, carrying brokers, and other entities in connection with your payment, money transfer process, investing activity, or otherwise to help us provide the Services;

With advertising partners who help us run our advertising campaigns, analyze our site, run contests, special offers, or other events or activities, and track metrics on our behalf or in connection with our Services.

• We share your information with merchants in connection with your payments. For example, when you use NOZIPAY to initiate a purchase with a merchant, we will provide the merchant your information for the merchant to process and fulfill your transaction.
• When you use NOZIPAY Local, we may share your information with NOZIPAY Sellers, including information related to cash back offers and rewards related to your use of NOZIPAY Local.

• To a subsequent owner, co-owner, or operator of one or more of the Services; or

• If we do or try to do a corporate merger, consolidation, or restructuring (including during due diligence and negotiation of these); the sale of substantially all of our stock and/or assets; the financing, acquisition, divestiture, or dissolution of all or a portion of our business; or other corporate change.

If we believe that disclosure is reasonably necessary (i) to comply with any applicable law, regulation, legal process or governmental request (e.g., from creditors, tax authorities, law enforcement agencies, in response to a garnishment, levy, or lien notice, etc.); (ii) to establish, exercise or defend our legal rights; (iii) to enforce or comply with our Terms of Service or other applicable agreements or policies; (iv) to protect our or our customers’ rights or property, or the security or integrity of our Services; (v) for an investigation of suspected or actual illegal activity; or (vi) to protect us, users of our Services or the public from harm, fraud, or potentially prohibited or illegal activities.

• With your consent. For example:

  • At your direction or as described at the time you agree to share;

  • When you authorize a third party application or website to access your information.

We also may share (within our group of companies or affiliates, or with service providers or other third parties) aggregated and/or anonymized information that does not specifically identify you or any individual user of our Services.

When you interact with our online services, or open emails we send you, we obtain certain information using automated technologies, such as cookies, web server logs, web beacons, and other technologies. A “cookie” is a text file that websites send to a visitor’s computer or other internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. A “web beacon,” also known as an internet tag, pixel tag, or clear GIF, is a tiny graphic image that may be used in our websites or emails. We use these automated technologies to collect your device information, internet activity information, and inferences as described above. These technologies help us to:

• Remember your information so you do not have to re-enter it;

• Track and understand how you use and interact with our online services and emails;

• Tailor our online services to your preferences;

• Measure how useful and effective our services and communications are to you; and

• Otherwise manage and enhance our products and services.

We set some of these automated technologies ourselves, but others are set by third parties who deliver services on our behalf. For example, we may use other companies’ web analytics services (described in the “Third-Party Analytics Services” section), which use automated technologies to help us evaluate how customers use our websites.

Your browser can alert you when cookies are placed on your device, and how you can stop or disable them via your browser settings. Please note, however, that without cookies all of the features of our online services may not work properly. If you use a mobile device, you can manage how your device and browser share certain device data by changing the privacy and security settings on your mobile device. You can learn more about cookies and how to manage your preferences by visiting http://www.allaboutcookies.org.

We may use third-party analytics service providers to help us with our online services. The analytics providers that administer these services use technologies such as cookies, web beacons, and web server logs to help us analyze how you use our online services. We may disclose your site-use information (including IP address) to these analytics providers, and other service providers who use the information to help us figure out how you and others use our online services.

We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, and misuse, and unauthorized access, disclosure, alteration, and destruction. Nevertheless, the internet is not a 100% secure environment, and we cannot guarantee absolute security of the transmission or storage of your information. We hold information about you both at our own premises and with the assistance of third-party service providers.