Privacy Policy

This Privacy Policy contains vital information about how we handle your personal data. We encourage you to read it carefully. For additional details about our privacy practices, visit the Wijji Payments Privacy Center.

Wijji Payments provides robust financial infrastructure for the internet, empowering individuals and businesses of all sizes to facilitate purchases, accept payments, send payouts, and manage online transactions. This Privacy Policy explains how we collect, use, and share your personal data, outlines your rights, and details how you can contact us with privacy-related inquiries. By using WijjiPay, you agree to the practices described in this Policy.

Who We Are

In this Policy, “Wijji Payments,” “we,” “our,” or “us” refers to the Wijji Payments entity responsible for your personal data. Depending on your location, the specific entity may vary.

Definition of Personal Data

Personal Data refers to any information related to an identified or identifiable individual. This includes data you provide to us and data we collect during your interactions with our services.

Services We Provide

Wijji Payments offers a range of transaction processing services designed to support both individual users and businesses. Our offerings include Granpay Finance for managing and processing payments and Identity Services for verifying identities and securing transactions. These services are accessible through our websites, applications, and other online platforms.

Personal Data We Collect

Our collection of personal data is tailored to enhance your experience and ensure the security and efficiency of our services.

For End Users, who use WijjiPay for personal transactions, we gather personal information such as your name, email address, contact details, and date of birth. Additionally, we collect payment information, including credit card, debit card, and bank account details, to facilitate your transactions. When you make a purchase, we record transaction details, including the items purchased, amounts, dates, and merchant information. We also track how you interact with our services, including device information, IP addresses, and browsing activities, to improve user experience and security.

For End Customers, who engage in transactions with our Business Users, we collect data necessary for payment processing, such as billing and shipping addresses, payment method details, and purchase histories. To ensure the security of these transactions, we may also gather identity verification data, including government-issued IDs and biometric data like selfies.

For Representatives of businesses using our services, we collect contact information such as your name, address, email, and phone number. Additionally, we gather business-related information, including ownership details and financial data, to support business transactions and compliance with regulatory requirements.

For Visitors to our websites, even if not logged in, we collect browsing data, such as pages viewed, links clicked, and time spent on our sites. If you fill out forms or interact with our chatbots, we collect the information you provide to respond to your inquiries and improve our services.

How We Use Personal Data

The personal data we collect is utilized to provide, manage, and enhance our services, ensuring a seamless and secure experience. We use your information to process transactions, facilitate payments, and offer customer support. To continuously improve our services, we analyze usage patterns and perform research. We also communicate with you by sending transaction confirmations, updates, and support messages. Security is paramount, and we monitor transactions to detect and prevent fraudulent activity and unauthorized access. Furthermore, we comply with legal obligations, such as anti-money laundering and fraud prevention regulations, using your data as required by law.

Sharing Personal Data

We recognize the importance of protecting your personal data and only share it with trusted parties to ensure the effective delivery and enhancement of our services. Here’s how and why we share your personal data:

Merchants: To facilitate your purchases, we share transaction details with the merchants from whom you buy goods or services. This includes information necessary to complete the transaction, such as payment method details and shipping addresses.
Service Providers: We engage a variety of third-party service providers who assist us in processing payments, storing data, conducting analytics, and performing other crucial functions. These service providers are carefully selected and are required to adhere to strict data protection standards to safeguard your personal data.
Affiliates: Within our corporate group, we may share your personal data with our affiliates for internal administrative purposes. This allows us to streamline operations and provide you with a seamless experience across all our platforms and services.
Legal Authorities: In compliance with legal obligations, we may share your personal data with law enforcement agencies, regulatory bodies, and other public authorities. This is done to comply with applicable laws, respond to valid legal requests, and protect our rights, privacy, safety, or property, as well as that of our users and the public.
Business Transfers: In the event of a merger, acquisition, reorganization, or sale of assets, your personal data may be transferred as part of the transaction. We will notify you of any such change in ownership or control of your personal data, as well as any choices you may have regarding your data.
Financial Partners: To offer certain services, we collaborate with financial institutions and payment networks. We may share relevant personal data with these partners to process transactions, verify your identity, and manage risks.

We are committed to ensuring that any third parties with whom we share your personal data are obligated to provide the same level of protection for your data as we do. They are authorized to use your personal data only as necessary to provide services to us or as required by law. If you have any questions about how we share your personal data or wish to learn more about our data protection practices, please contact us for further information.

International Data Transfers

Your personal data may be transferred to and processed in countries other than your own. We ensure that these transfers comply with applicable data protection laws and that your information is protected appropriately throughout the process.

Your Rights

We are committed to ensuring that you have control over your personal data and can exercise your rights with ease. You have several important rights regarding your personal data:

Access: You have the right to request access to your personal data that we hold. This allows you to understand what information we have about you and verify that we are processing it lawfully.
Rectification: If you find that any of the personal data we hold about you is inaccurate or incomplete, you have the right to request that we correct or update it.
Erasure: You have the right to request the deletion of your personal data under certain circumstances, such as when the data is no longer necessary for the purposes it was collected, or you withdraw your consent.
Restriction of Processing: You can request that we limit the processing of your personal data in certain situations, such as when you contest the accuracy of the data or object to its processing.
Data Portability: You have the right to request that your personal data be transferred to another organization or directly to you, in a structured, commonly used, and machine-readable format, where technically feasible.
Objection to Processing: If we are processing your personal data based on our legitimate interests or for direct marketing purposes, you have the right to object to such processing. We will respect your wishes unless there are compelling legitimate grounds for the processing that override your interests, rights, and freedoms, or the processing is necessary for the establishment, exercise, or defense of legal claims.
Withdrawal of Consent: If we are processing your personal data based on your consent, you have the right to withdraw your consent at any time. This will not affect the lawfulness of any processing carried out before you withdraw your consent.

To exercise any of these rights, please contact us. We will respond to your request within the timeframes required by applicable data protection laws and will assist you in any way we can to ensure your rights are respected. If you have any questions or need further assistance regarding your rights, please do not hesitate to get in touch.

Cookies and Tracking Technologies

We use cookies and similar technologies to collect data about your usage of our services, enhancing your experience and providing personalized features. You can control the use of cookies through your browser settings.

Security

We take the security of your personal data very seriously and have implemented a comprehensive array of industry-standard security measures to protect it from unauthorized access, loss, or misuse. Our security framework includes advanced encryption techniques, secure socket layer (SSL) protocols, and multi-factor authentication to ensure that your data is securely transmitted and stored. We also employ state-of-the-art firewall systems and intrusion detection systems to monitor and protect our network from potential threats.

In addition, we conduct regular security audits and vulnerability assessments to identify and mitigate potential risks. Our data centers are equipped with physical security controls, including 24/7 surveillance, biometric access, and secure entry points, to prevent unauthorized physical access. We also have strict access controls in place, ensuring that only authorized personnel have access to sensitive data.

Our commitment to security extends to our employees, who undergo regular training on data protection best practices and the importance of maintaining the confidentiality and integrity of your personal data. Despite our rigorous security measures, it’s important to note that no system can guarantee absolute protection. Therefore, we continuously review and enhance our security protocols to stay ahead of emerging threats and ensure the highest level of protection for your personal data.

Data Retention

We are committed to retaining your personal data only for as long as it is necessary to fulfill the purposes for which it was collected, such as providing our services, complying with legal and regulatory obligations, resolving disputes, and enforcing our agreements. The retention period for your data varies based on the type and sensitivity of the information, as well as the specific legal requirements applicable to it.

For example, transaction data related to financial operations may be retained for extended periods to meet regulatory requirements, prevent fraud, and address any potential future disputes. Personal information used for identity verification may be stored for a different duration to ensure ongoing compliance with anti-money laundering (AML) and know-your-customer (KYC) regulations.

We also maintain records of your interactions with our support teams and any communications you have with us to improve our services and address any concerns or issues that may arise. Data that is no longer needed for its original purpose and is not required to be retained by law is securely deleted or anonymized to protect your privacy.

Our data retention practices are regularly reviewed and updated to ensure they comply with evolving legal standards and best practices in data protection. If you have any questions about our data retention policies or specific retention periods for certain types of data, please contact us for more detailed information.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technologies, or legal requirements. The “Last updated” date at the top of this Policy indicates when it was last revised. We will notify you of any significant changes through our services or other communication methods.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us at:

Wijji Solutions Montana House, The Kings Drive, Walton-On-Thames, KT12 4BA