Privacy Policy
Effective Date: December 15, 2025
Africapay (Pty) Ltd ("Africapay", "we", "us", or "our") operates the Africapay website (africapay.co.za) and the mobile applications Afriwallet and Afrix(collectively, the "Services").
We are committed to protecting your privacy and ensuring that your personal information is handled in a safe, secure, and responsible manner, in compliance with applicable data protection laws, including the Protection of Personal Information Act, 2013 (POPIA) of South Africa.
1. Information We Collect
1.1 Personal Information
- Full name
- Date of birth
- Identity number or passport number
- Residential address
- Email address
- Phone number
- Profile photograph
1.2 Financial Information
- Bank account details
- Wallet balances and transaction history
- Payment card information (processed securely via third-party providers)
- Remittance and transfer details
1.3 Verification (KYC) Information
- Government-issued identification documents
- Proof of address
- Selfies or biometric verification data (where required by law)
1.4 Technical and Usage Information
- Device information (model, OS, unique identifiers)
- IP address and location data
- App usage data, logs, and crash reports
- Cookies and similar technologies (for website use)
2. How We Use Your Information
- Provide, operate, and maintain Afriwallet and Afrix
- Verify identity and comply with KYC/AML regulations
- Process transactions and payments
- Communicate regarding accounts or transactions
- Improve products, features, and user experience
- Detect, prevent, and investigate fraud or security incidents
- Comply with legal and regulatory obligations
3. Legal Basis for Processing
- Your consent
- Performance of a contract
- Compliance with legal obligations
- Legitimate business interests
4. Sharing of Information
We may share your information with:
- Financial institutions and payment processors
- Identity verification and fraud prevention providers
- Regulatory or law enforcement authorities when required
- Technology and infrastructure service providers
We do not sell your personal information.
5. International Data Transfers
Your information may be transferred outside South Africa where our partners operate. Appropriate safeguards are implemented to protect your data.
6. Data Security
We use encryption, secure servers, access controls, and regular monitoring to protect personal information. However, no system is completely secure.
7. Data Retention
Personal information is retained only as long as necessary to provide the Services and comply with legal and regulatory requirements.
8. Your Rights
- Access your personal information
- Request correction of inaccurate data
- Request deletion (subject to legal obligations)
- Object to or restrict certain processing
- Withdraw consent where applicable
9. Cookies and Tracking Technologies
Cookies may be used on our website to enhance functionality. You can control cookies through your browser settings.
10. Children’s Privacy
Our Services are not intended for individuals under 18. We do not knowingly collect personal information from minors.
11. Changes to This Privacy Policy
Updates to this Privacy Policy will be posted on africapay.co.za and within the Afriwallet and Afrix applications.
12. Contact Us
Africapay (Pty) Ltd
Website: https://www.africapay.co.za
Email: support@africapay.co.za