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Privacy Policy for VPayments eCommerce Service
This Privacy Policy applies to Zimbabwe only.
The Privacy Policy below governs your use of your VPayments account and products, services and any other features, technologies or functionalities offered by us (collectively “the VPayments Services”) (including, without limitation, any information you provide in relation to the VPayments Services).
1. Overview
In order to operate the VPayments Services and to reduce the risk of fraud, VPayments (Zimbabwe) and its member financial institutions, ("VPayments", “our”, “us” or "we"), in conjunction with the ZimSwitch member Financial Institutions, the data controllers, must ask you to provide us with information about yourself, including your credit or debit card and/or bank account details. By consenting to, and agreeing the terms of, this Privacy Policy, you expressly consent and agree to us processing your data in the manner set out herein. This Privacy Policy describes the information we collect and how we use that information. VPayments takes the processing of your personal information very seriously and will use your information only in accordance with the terms of this Privacy Policy.
We will not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. However, in order for us to offer our services to our users; enhance the quality of our service from time to time; and protect the interests of our users, we will in limited circumstances share some of your personal information with third parties under strict restrictions, as described in more detail in the section "Our Use and Disclosure of Information". It is important for you to review this Privacy Policy as it applies to all the VPayments Services.
By accepting the Privacy Policy at registration, you expressly consent to our use and disclosure of your personal information and direct us to do so in the manner described in this Privacy Policy.
All future changes to this Privacy Policy set out in the Policy Update already published on the “Legal Agreements” landing page of the VPayments website at the time you register for the Services are incorporated by reference into this Privacy Policy and will take effect as specified in the Policy Update. "Policy Update" means a prior notice of changes to any of your agreements with VPayments which VPayments may make available to you in writing. If you disagree with the terms of this Privacy Policy, please do not register for or use the VPayments Services.
Notification of Changes
This Privacy Policy may be revised over time as new features are added to the VPayments Services or as we incorporate suggestions from our customers. We may amend this Privacy Policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if we propose to change this Privacy Policy in a substantial manner, we will provide you with at least 30 days' prior notice of such a change by posting notice on the "Policy Updates" page of our website(s). After this 30 days' notice, you will be considered as having expressly consented to all amendments to the Privacy Policy. If you disagree with the terms of this Privacy Policy, you may close your account at any time.
Please check the VPayments website at https://secure.zss.co.zw/vpayments at any time for the most current version of our Privacy Policy.
Some pages on the VPayments website include links to third- party websites. These sites are governed by their own privacy statements, and VPayments is not responsible for their operations, including but not limited to their information practices. Users submitting information to or through these third- party websites should review the privacy statements of these sites before providing them with personally identifiable information.
A Special Note about Children
Children are not eligible to use our service and we ask that minors (persons under the age of 18) do not submit any personal information to us or use the VPayments Services.
2. Information We Collect
To open a VPayments account or use the VPayments Services, you must provide your name, address, phone number, and email address. In order to make payments through the VPayments Services, you must provide credit card or debit card or bank account information. We also ask you to choose a security questions to answer (such as your pet's name). This required information is necessary for us to process transactions, issue a new password if you forget or lose your existing password, protect you against credit card fraud and current account fraud, and contact you should the need arise in administering your account or the VPayments Services.
We will also require other commercial and/or identification information if you send or receive certain high-value transactions or high overall payment volumes through the VPayments Services or as is otherwise required in order for us to comply with our anti-money laundering obligations.
When you access VPayments using a mobile device, we may additionally collect and store device sign-on data (including device ID) and geolocation data in order to provide our services.
Transaction Information
When you use the VPayments Services to send money to someone else or request money from someone else, we ask you to provide information related to that transaction, consisting of the amount of the transaction, the type of transaction (purchase of goods, purchase of services, or simple money transfer) and the email address, Skype ID (if applicable) or phone number of the third party. Also, when you send money to another VPayments customer, you may be asked to provide personal details to that customer to complete the transaction. Those details may also be passed on to us from that customer. We retain this information for each of your transactions through the VPayments Services and may add this information to your account profile to be used for future transactions that you may make with us. We also collect the Internet address (IP address) and other identifying information about the computer or device you use to access your VPayments account or use the VPayments Services, in order to help detect possible instances of unauthorised transactions.
Information about You from Third Parties
In order to protect all our customers against potential fraud, we verify the information you provide with the "Payment Processors" and/or "Credit Reference and Fraud Agencies" listed in the table under the section "Disclosure to Third Parties other than VPayments Customers" below. In the course of such verification, we receive personally identifiable information about you from such services. In particular, if you register a credit card or debit card with VPayments, we will use card authorisation and fraud screening services to verify that your card information and address match the information you supplied to VPayments, and that the card has not been reported as lost or stolen.
Additional Verification
If we cannot verify the information that you provide, or if you request a withdrawal by cheque to an address other than your verified credit card billing address, we may ask you to send us additional information by fax (such as your driving licence, credit card statement, and/or a recent utility bill, or other information linking you to the applicable address), or to answer additional questions online to help verify your information.
Website Traffic Information
Because of the way Internet communication standards work, when you arrive at or leave the VPayments website, we automatically receive the web address of the site that you came from or are going to. We also collect information on which pages of our website you visit, IP addresses, the type of browser you use and the times you access our website. We use this information to try to understand our customers' preferences better and to manage the load on our servers, so as to improve our services and your experience with VPayments.
Customer Service Correspondence
If you send us correspondence, including emails and faxes, we retain such information in the records of your account. We will also retain customer service correspondence and other correspondence from VPayments to you. We retain these records in order to keep records of our relationship, to measure and improve our customer service, and to investigate potential fraud and violations of our User Agreement. We may, over time, delete these records if permitted by law.
Questionnaires, Surveys and Profile Data
From time to time, we offer optional questionnaires and surveys to our users for such purposes as collecting demographic information or assessing users' interests and needs. The use of the information collected will be explained in detail in the survey itself. If we collect personally identifiable information from our users in these questionnaires and surveys, the users will be given notice of how the information will be used prior to their participation in the survey or questionnaire.
3. Our Use and Disclosure of Information
Internal Uses
We collect, store and process your personal information on servers located in Zimbabwe to provide you with a safe, smooth, efficient, and customised experience. You agree that we may use your personal information to:
- provide the services and customer support you request;
- resolve disputes, collect fees, and troubleshoot problems;
- prevent potentially prohibited or illegal activities, and enforce our User Agreement;
- customise, measure, and improve our services and the content and layout of our website;
- deliver targeted marketing and advertising, service updates, and promotional offers based on the communication preferences you have defined for your VPayments account (please refer to the section "Our Contact with VPayments Customers" below) and your activities when using the VPayments Services; and
- compare information for accuracy, and verify it with third parties.
Marketing
We may combine your information with information we collect from other companies and use it to improve and personalise the VPayments Services. If you don't wish to receive marketing communications from us or participate in our ad-customisation programmes, simply log in to your account, select My Account, Profile, then My account settings and update your Communication preferences, or follow the directions provided with the communication or advertisement.
Disclosure to Other VPayments Customers
If you are a registered VPayments user, your name, email address, Skype ID (if applicable), phone number (if applicable) date of sign-up, the number of payments you have received from verified VPayments users, and whether you have been verified to have control of a bank account are made available to other VPayments customers whom you have paid or who are attempting to pay you using the VPayments Services. If you are a Business account holder, we will also display to other VPayments customers the website address (URL) and customer service contact information that you provide us. In addition, this and other information may also be shared with third parties when you use these third parties to access the VPayments Services. However, your credit card number, bank account and other financial information will not be revealed to anyone whom you have paid or who has paid you through the VPayments Services or third parties that use the VPayments Services, except with your express permission or if we are required to do so pursuant to credit card rules, a court order or other legal process.
If you are buying goods or services and pay through VPayments, we may provide the seller with the delivery address for the goods and your billing address to complete your transaction. If an attempt to pay your seller fails, or is later invalidated, we may also provide your seller with details of the unsuccessful payment. To facilitate dispute resolutions, we may provide a buyer with the seller's address so that goods can be returned to the seller.
We work with third parties including merchants to enable them to accept or facilitate payments from or to you using the VPayments Services. In doing so, a third party may share information about you with us such as your email address or phone number, when a payment is sent to you or when you are attempting to pay that third party. We use this information to confirm that you are a VPayments customer and that VPayments can be enabled to make a payment, or where a payment is sent to you to send you a notification that you have received a payment. Also, if you request that we validate your status as a VPayments customer with a third party, we will do so. Please note that third parties you buy from and contract with may have their own privacy policies, and VPayments is not responsible for their operations, including but not limited to their information practices.
By accepting this Privacy Policy, you expressly agree and consent that each time you pay or attempt to pay another VPayments customer (including a merchant) using your VPayments account, VPayments may transfer the aforementioned relevant data to such VPayments customer, in order to process, execute or otherwise deal with and provide information about the payment.
If you open a VPayments 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 through the VPayments Services) will be shared with the owner of such third party website or application and your information may be subject to their privacy policies.
Disclosure to Third Parties other than VPayments Customers
VPayments will not sell or rent any of your personal information to third parties for their marketing purposes without your explicit consent, and will only disclose this information in the limited circumstances and for the purposes described in this policy. This includes transfers of data to non-EEA member states. Specifically, you consent to and direct VPayments to do any and all of the following.
a. Disclose information including, without limitation, transaction information, account information, personal information and the contents of communications to: the police; security forces; competent governmental, intergovernmental or supranational bodies; competent agencies (other than tax related authorities), departments, regulatory authorities, self-regulatory authorities or organisations (including, without limitation, the Agencies set out in the table under the heading "Agencies" below); and other third parties that we in good faith believe it is appropriate for us to cooperate with in investigations of fraud or other illegal activity or potential illegal activity, or to conduct investigations of violations of our User Agreement (including without limitation, your funding source or credit or debit card provider). If false or inaccurate information is provided by you and fraud is identified, details will be passed by us to fraud prevention agencies and law enforcement agencies may access and use that information. We and other organisations may also access and use this information (including information from other countries) to prevent fraud and money laundering.
b. Disclose information in response to the requirements of the Reserve Bank of Zimbabwe associations or a civil or criminal legal process.
Our Contact with VPayments Customers
We communicate with our users on a regular basis via email to provide requested services. We also communicate with our users by phone through the use of One Time Passwords (OTPs):
- resolve customer complaints or claims made by users via the VPayments Services;
- respond to requests for customer service;
- inform users if we believe their accounts or any of their transactions have been used for an illegitimate purpose;
- confirm information concerning a user’s identity, business or account activity;
- carry out collection activities;
- conduct customer surveys;
- investigate suspicious transactions.
We use your email or physical address to confirm your opening of a VPayments account, to send you notice of payments that you send or receive through VPayments (including referral payments described below), to send you information about important changes to our products and services, and to send notices and other disclosures required by law. Generally, users cannot opt out of these communications, but they will be primarily informational in nature rather than promotional.
We also use your email address to send you other types of communications that you can control, including "News from VPayments", auction tips, customer surveys and notice of special third-party promotions.
In connection with independent audits of our financial statements and operations, the auditors may seek to contact a sample of our customers to confirm that our records are accurate. However, these auditors cannot use personally identifiable information for any secondary purposes.
Your Use of Information and Our Services
In order to facilitate the transactions between VPayments members, our service allows you limited access other users' contact or delivery information. As a seller you may have access to the User ID, email address and other contact or delivery information of the buyer, and as a buyer you may have access to the User ID, email address and other contact information of the seller.
By entering into our User Agreement, you agree that, with respect to other users' personally identifiable information that you obtain through the VPayments Services or through a VPayments-related communication or VPayments-facilitated transaction, you will only use this information for: (a) VPayments-related communications that are not unsolicited commercial messages, (b) using services offered through VPayments (e.g. insurance, delivery and fraud complaints), and (c) any other purpose that such user consents to after adequate disclosure of the purpose(s).
In all cases, you must provide users with the opportunity to remove themselves from your database and review any information you have collected about them. More generally, you must comply with all applicable privacy regulations, in particular as they relate to the sending of marketing emails.
VPayments does not tolerate spam. We strictly enforce our Anti-Spam Policy. To report VPayments-related spam to VPayments, please contact us
4. Information Security
VPayments is committed to handling your customer information with high standards of information security. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorise access to personal information only for those employees who require it to fulfil their job responsibilities.
The security of your VPayments account also relies on your protection of your VPayments password. You may not share your VPayments password with anyone. VPayments representatives will never ask you for your password, so any email or other communication requesting your password should be treated as unauthorised and suspicious and forwarded to comments@zss.co.zw . If you do share your VPayments password with a third party for any reason, including because the third party has promised to provide you additional services such as account aggregation, the third party will have access to your account and your personal information, and you may be responsible for actions taken using your password. If you believe someone else has obtained access to your password, please change it immediately by logging in to your account and contact us right away.