WHAT WE DO
Utupay (we, us, our) is a digital solution that expands users control over their money. We make it easier for merchants to receive secured payments in Nigeria and from other countries through the software and services we provide. The services we provide also makes it possible for merchants to transfer money and pay for services in both local and foreign currencies within their local jurisdiction.
We do not assume legality or claim to have control over the products and services that are paid for with our software, nor do we guarantee that a buyer or seller will fulfill their transaction.
Our Terms and Condition spells out our responsibilities to you, as it is an agreement between you and Us. This agreement tries to list out the risk inherent with using our services, so we advice you to carefully study it, as it is binding to you through the use of our services.
Our software, website and services and not intended for people who are below 18 years of age. We do not out of intent provide our services to people who are below 18 years of age.
The Information We Collect
Utupay collects certain information of our users that makes them identifiable. These information include: name, email address, phone number, address, bank details, etc. These information we collect are used to help us serve you better. These users include employees (past, current and future), merchants, vendors, personal user account holders, merchant customers, or any other individual that deals with Utupay either individually or severally.
To have the right access to our software, website and other services, a user must register for an account with Utupay. The personal identifiable information we collect during registration are given by you freely. Utupay complies with the applicable data protection laws, regulations, rules and principles to ensure security of personal information we handle.
What We Use The Information We Collect For
To provide you the services we offer that you now seek
To verify your identity
To verify that the information you provide are accurate as at when given and are in line with Utupays’ principles and policy. This verification can be contracted to third party companies
To improve our services by analyzing data to develop new features, products and services
To respond to your questions, needs, and complaints
To identify fraud and illegal activities on our software, website and services and using the necessary risk management tools to detect and prevent them
To send you marketing contents. Note that you have an option to unsubscribe from them.
To address you personally for any inappropriate use of our services
and any other information that your personal information will be required for
Information That We Collect From Our Website Visitors
The information we collect when you visit our website are non-personal identifiable information. We do this so that we can monitor our website activities and improve our services. We will not share this information with a third party unless it is a necessary approach to improve our software and website services.
Information That We Collect From Checkout Users
When you checkout on our software, merchant website, we collect and store your card information, email address, phone number, billing address, shipping address. These information we collect are kept safe with our implementation of access level control measures that are both physical and virtual, security protocols, policies and standards that are in compliance with PCI DSS and its use of encryption and firewall technologies. To ensure that we are up-to-date with the industry standards, we implement periodic updates on our security infrastructure.
Information We Collect When You Fund Your Account/Wallet
When you fund your digital wallet on our software, we collect and store your card information, email address, phone number. These information we collect are kept safe with our implementation of access level control measures that are both physical and virtual, security protocols, policies and standards that are in compliance with PCI DSS and its use of encryption and firewall technologies. To ensure that we are up-to-date with the industry standards, we implement periodic updates on our security infrastructure.
The reason we collect personal information is only for identifiable purposes and your consent was given freely. Such personal information cannot be used or reused for another purpose. In a case where a personal information will be required for a purpose other than to identify a particular user, such a purpose will be communicated and your consent given.
Bio-metric and PIN Security
This is an added layer of security we added to our software to ensure maximum security when using our services. This bio-metric option is available to mobile and handheld devices that are capable of providing bio-metric security features, and for users whose mobile devices do not offer bio-metric security protection, they are required to keep their account safe by using the PIN option. A bio-metric or PIN clearance is needed to gain access to our software and every time a transaction needs to be completed on our software.
Two Factor Authentication (2FA)
2FA is an added layer of security that we added to your account to keep you safe when using our services. You will be required to input an OTP (One Time Password) which is a verification code that will be sent to you for authentication purposes. 2FA is required when checking out of a merchants’ website using Utupay. Note that this option is optional and should you choose to opt out of this, you agree not to hold Utupay liable for any loss incurred as a result of your action.
The Protection We Give Your Information
Utupay shall continually adopt the right protocols needed to protect the confidentiality of your information. We adopt both physical and digital measures to ensure that your information is protected and not compromised either intentionally or otherwise.
Because we are committed to managing your information in line with industry best practices, we adopt physical, technical and administrative security measures to mitigate the risk of loss, unauthorized access, alteration, misuse, and disclosure of your information. Some of the technical measures we are taking to ensure your data protection are firewalls, data encryption, digital level access, physical level access.
Employees may have access to personal contact information of users but they are forbidden from misusing this privileged information in any way other than for their intended purposes.
This Is How We Share Your Personal Information
We may disclose your personal information but only in compliance with applicable law or a legal obligation to which we are bound. We do not sell, rent, lease or trade your personal information to anyone. Notwithstanding, we may share your personal information with trusted, verifiable third parties whose services include: payment gateway, payment processors, financial institutions, identity verification services, and any other third party that you have authorized to receive your personal information all for the purpose of providing you a better service.