1. PURPOSE OF THIS PRIVACY NOTICE
This privacy notice explains how we collect, use, and process your personal information through your use of this website, including any information you may provide through this website when you register for the electronic payment system known as Ownpay on our website.
It is important that you read this privacy notice together with any other privacy notice we may provide on specific occasions when we are collecting or processing personal information about you so that you are fully aware of how and why we are using your information. This privacy notice supplements other notices and privacy policies and is not intended to override them.
2. WHO IT APPLIES TO
This notice applies to all customers of Ownpay.
We may need to update this privacy notice periodically and encourage you to check our privacy notice regularly so that you remain up to date on how we process and protect your personal information.
If you have any questions about this notice, please email us at [email protected]
3. WHAT PERSONAL INFORMATION WE COLLECT AND GENERATE
Personal information means any information about a natural or legal person from which that person can be identified. It does not include information where the identity has been removed (anonymous information).
We collect the personal information we require to register you as a customer and to communicate with you.
3.1. The following is the information we collect:
- Personal information – your name.
- Payment information – the name of your bank, your bank account number (in encrypted form), the cost of the goods/services you are purchasing and identification of the seller of the goods/services you are purchasing.
- Device information – this would include, for example, the IP address and browser settings of the device on which the payment is being processed. In gaining device information we may use web traffic tools that permit us to analyse user activity.
- Information about how you interact with our Payment System – we collect analytics and log information when you use our website to help us improve our products and services.
- Geographical information – this would include, for example, the location of your IP address.
3.2. We generate information about you in the form of:
- records of payments and withdrawals
- customer profiles
We do not collect any special categories of personal information about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric information).
4. WHEN AND WHY WE COLLECT AND PROCESS YOUR PERSONAL INFORMATION
4.1. We process your personal information to meet our contractual obligations with you, as well as collect and use your personal information for the following purposes:
- For internal troubleshooting, data analysis, testing, research, and statistical purposes to
provide you with the best service possible.
- To ensure that content is presented in the most effective manner for you and for your device.
- To carry out risk analysis, fraud prevention and risk management procedures as required
under applicable law.
- To improve our Payment System to provide you with the best user experience.
- To administer a promotional competition you may have entered and deliver a prize if you win.
4.2. In some instances, we process your personal information because it is in our or your legitimate interest to do so.
4.3. We are legally required to collect and process certain information, including:
- to report suspicious activity on your account to the relevant authorities.
5. CHILDREN’S INFORMATION
You have to be 18 years or older to make use of our services.
We do not knowingly collect the personal information of persons under 18 years of age.
6. WE ONLY SHARE YOUR INFORMATION WITH OTHERS WE TRUST
We only use service providers we trust and who have agreed to keep your personal information secure and confidential and to only use it for the purposes for which we shared it with them.
We use service providers to assist with the following:
- communicate with you
- verify your identity and payment information
- monitor the effectiveness of our services
- store information
- manage our business, for instance accountants and professional advisors
- provide IT services and infrastructure
Some of the service providers that we use may be located in other countries. These countries may not
have the same levels of protection of personal information as South Africa, in which case the foreign
service providers must undertake to protect the personal information of our customers to the same
level that we do.
We provide for appropriate safeguards by means of contracts between us and our foreign service providers. By using our website, you agree to not being notified of details regarding the level of protection afforded to your information in the relevant country/countries.
7. REASONABLE STEPS TAKEN TO SAFEGUARD YOUR PERSONAL INFORMATION
We take reasonable steps to protect your personal information against the following:
- unauthorised access;
- or other measure;
These steps include password protection for electronic files, securing paper files and physical access restrictions. We will continuously review our security controls and processes to ensure that security risks are identified and addressed.
If something should happen, we will take the necessary steps to minimise the threat to your privacy and we will let you know if your personal information has been compromised. We will also let you know how you can help minimise the impact of a breach.
Ownpay has an SSL Certificate under which traffic is encrypted between users and servers so as to protect against interception of your sensitive data.
In addition, the internet banking second-factor authentication still applies to you when making a payment using the Payment System, further preventing any fraudulent interception when payment is being made.
8. WE DO NOT KEEP YOUR PERSONAL INFORMATION LONGER THAN WE NEED TO
We will not keep your personal information longer than we need to unless we are legally required to do so. We take legal requirements, contractual obligations and the expectations and requirements of our customers into account when we determine how long we should retain information. When we no longer need your personal information we will securely delete or destroy it in line with the Protection of Personal Information Act (POPIA) requirements.
9. CHANGES TO THE PRIVACY NOTICE AND YOUR DUTY TO INFORM US OF CHANGES
We keep our privacy notice under regular review, and therefore encourage you to check our privacy notice regularly so that you remain up to date on how we process and protect your personal information.
It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your relationship with us.
10. IF YOU FAIL TO PROVIDE PERSONAL INFORMATION
Where we need to collect personal information by law, or under the terms of a contract we have with you, and you fail to provide that information when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to allow you to make a deposit). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.
11. ACCESS AND CORRECTION OF PERSONAL INFORMATION
You have the right to:
- be notified that your personal information is being collected;
- be notified of security compromises where reasonable grounds exist for us to believe that your personal information has been accessed or acquired by an unauthorised person;
- ask us what we know about you and request access to such information; ask what personal information was sent to our service providers or any other third party;
- ask us to update, correct or delete any out-of-date or incorrect personal information we hold about you; where it is inaccurate, irrelevant, excessive, out of date, incomplete, misleading or obtained unlawfully;
- unsubscribe from any direct marketing communications we may send you and object to the processing of your personal information;
- request us to delete or remove your personal information where there is no good reason for us continuing to process, although this will be subject to Ownpay requiring the information for legal and legitimate reasons;
- request restrictions on processing of your personal information;
- withdraw your consent at any time where we are relying on consent to process your personal information;
- submit a complaint to the Information Regulator. You have the right to submit a complaint to the Information Regulator regarding an alleged interference with the protection of your personal information. However, please note that until POPIA is in force, the Information Regulator does not have the power to enforce your protection under POPIA;
You can request access to the personal information we hold about you or correct your personal information. It can take us up to 21 days to respond to your request due to procedures that we are required to follow. In certain cases, we may require proof of your identity and sometimes changes to your personal information may be subject to additional requirements such as valid proof of residence. Please see below our contact details for our deputy information officers:
- NAME: Mr Suren Rampersadh
- TITLE: Information Officer
- E-MAIL ADDRESS: [email protected]
- NAME: Mrs Chanelle Beukes
- TITLE: Deputy Information Officer
- E-MAIL ADDRESS: [email protected]
- CONTACT NUMBER: 087 353 8930
- POSTAL ADDRESS: PO Box 74234, Rochdale Park, 4034
- PHYSICAL ADDRESS: 6 Tetford Circle, Umhlanga, Durban, 4320
- WEBSITE: www.ownpay.co.za