1. Introduction

UnoPay is committed to protecting the privacy of its users by applying reasonable standards for personal data protection and by handling user information with transparency. This Privacy Policy describes the categories of information that may be collected, the purposes for which it is used, how it is retained and safeguarded, and the rights available to users in relation to their data.

2. Information Collection and Use

UnoPay collects information for the purposes of providing, operating, securing, and improving the service, as well as meeting legal and regulatory obligations.

2.1 Categories of Information Collected

• Basic identification and contact information: such as full name, phone number, and email address.
• Payment and transaction-related information: such as bank account details, payment card information, or other linked payment methods, as applicable.
• Location information: collected only when necessary to provide specific features accurately (for example, service availability, delivery-related functions, or determining supported areas), and where permitted by device and system settings.
• Usage and interaction information: information generated through use of the application or website (for example, interactions, device and technical identifiers, and operational logs), to support service functionality and security.

2.2 How Information Is Collected

• During account registration and verification processes.
• When initiating or receiving transactions (for example: payments, transfers, top-ups, or withdrawals), as supported by the service.
• Through your interactions with the UnoPay application or website and related customer support communications.

2.3 Consent

UnoPay does not collect personal information without a lawful basis. Where required, explicit consent will be requested during registration or at the time a feature requires additional information. You may withdraw consent where applicable; however, this may affect the availability of certain features.

3. Purposes of Processing

• To execute and reconcile financial transactions accurately and securely.
• To authenticate users, prevent fraud, manage risk, and maintain the integrity of the service.
• To improve user experience, including service personalization and performance optimization.
• To send service-related notifications (for example: confirmations, alerts, policy updates, and technical notices).
• To send promotional messages only where permitted, and with user control over subscription preferences.

4. Information Retention

• Retention period: Information is retained only for as long as necessary to provide the service and to comply with legal, regulatory, accounting, and security obligations.
• Deletion: Where legally permitted, data will be deleted or anonymized when it is no longer required for the stated purposes or upon valid user request. Certain data may need to be retained where required by law.

5. Cookies and Similar Technologies

Cookies are small data files stored in the user’s browser to facilitate interaction with the website and improve functionality.

• Session cookies: used to support navigation during an active session and typically deleted when the browser is closed.
• Persistent cookies: used to remember preferences and settings across sessions.

You can manage or disable cookies through your browser settings. Disabling cookies may affect certain website features.

6. Email Communications

• Service communications: transaction confirmations and operational notices may be sent as part of providing the service.
• Marketing communications: where applicable, users may opt in or opt out of promotional messages through available settings or instructions.
• Email protection: email addresses are stored securely and are not shared except as necessary to provide services, comply with law, or with user consent where required.

7. Information Security

UnoPay implements reasonable safeguards intended to protect personal data against unauthorized access, alteration, disclosure, or destruction. Such measures may include:

• Encryption: use of secure transfer protocols such as HTTPS and SSL/TLS where applicable.
• Access controls: restricting data access to authorized personnel and systems only.
• Security review: periodic security testing and monitoring to identify and mitigate potential threats.

8. Sharing Data with Third Parties

UnoPay may share limited information with third parties only where necessary and on a lawful basis, including:

• Service providers: trusted partners (for example, payment processors, delivery providers, and technology vendors) to support the requested service.
• Legal and regulatory requirements: where disclosure is required by law, regulation, court order, or to protect the rights, safety, and security of users and the service.

Where third parties process information on behalf of UnoPay, reasonable contractual and technical measures are applied to support secure handling consistent with this Privacy Policy.

9. User Rights

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• Access and review personal data associated with their account.
• Update or correct inaccurate information.
• Request deletion of data, subject to legal and regulatory retention obligations.
• Submit complaints or inquiries about privacy practices through official support channels. UnoPay will review and address complaints within a reasonable timeframe.

10. Children’s Privacy

UnoPay services are intended for individuals aged 18 years or older. If UnoPay becomes aware that a minor has used the service without required parental or guardian consent, UnoPay may restrict or terminate the account and take appropriate measures consistent with applicable law.

11. Account Closure and Data Handling

Upon verified account closure, UnoPay will delete or anonymize personal data within a period not exceeding 30 days where legally permitted. Certain information may be retained to comply with legal, regulatory, fraud-prevention, or dispute-resolution obligations.

12. External Links

The UnoPay application or website may contain links to external websites. This Privacy Policy does not apply to third-party websites. Users should review the privacy policies of those websites before use.

13. Security Notifications

Where appropriate and required, users may be notified in a timely manner of security incidents that may materially affect their information. UnoPay will take corrective measures intended to reduce risk and strengthen future protection.

14. Updates to This Privacy Policy

UnoPay may update this Privacy Policy periodically to reflect changes in legal requirements, service features, or security practices. The latest version will be made available through official channels.