Privacy Policy for AYNA ePay
Privacy Policy for AYNA ePay
Last Updated: March 2026
AYNA ePay (“we”, “our”, or “us”) operates the AYNA ePay mobile application (the “App”). AYNA ePay is a payment processing application that enables users to make various types of payments, including but not limited to education-related fees. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our App, in compliance with Google Play policies and applicable laws.
By using AYNA ePay, you agree to the collection and use of information in accordance with this Privacy Policy.
1. Information We Collect
1.1 Personal Information
We may collect the following personal information when you register or use the App:
Full name
Mobile phone number
Email address
User ID or account identifiers
Institution or merchant-related identifiers (where applicable)
1.2 Financial and Transaction Information
To process payments securely, we may collect:
Transaction details (amount, date, time, payment type)
Merchant or institution information
Payment reference numbers
Note: We do not store sensitive payment information such as full card numbers, CVV, or PINs on our servers. Such data is processed securely by authorized payment gateways and banking partners.
1.3 Device and Usage Information
We may automatically collect certain information, including:
Device type, model, and operating system
App version and usage statistics
IP address and approximate location (country/city level)
Log data, crash reports, and diagnostic information
1.4 Permissions
The App may request access to:
Internet connectivity (required for payment processing)
SMS or notification access (only for OTPs, transaction alerts, or service notifications, where applicable)
Permissions are used strictly for app functionality and user security.
2. How We Use Your Information
We use the collected information to:
Create and manage user accounts
Process and verify payments
Provide transaction history and receipts
Communicate important updates, alerts, and confirmations
Improve app functionality, performance, and user experience
Detect, prevent, and address fraud, unauthorized transactions, or security issues
Comply with legal and regulatory requirements
3. Data Sharing and Disclosure
We do not sell or rent your personal data. We may share information only in the following cases:
Payment Partners: With banks, payment gateways, and financial institutions strictly for transaction processing
Service Providers: With trusted third-party service providers for hosting, analytics, customer support, or technical services under confidentiality agreements
Legal Requirements: When required by law, regulation, court order, or government authority
Business Protection: To protect the rights, safety, and security of users, merchants, and AYNA ePay
4. Data Security
We take data security seriously and implement appropriate technical and organizational measures, including:
Secure communication using encryption (HTTPS/SSL)
Restricted access to personal data
Regular monitoring and security updates
Despite our efforts, no method of electronic transmission or storage is 100% secure. We encourage users to keep their login credentials confidential.
5. Data Retention
We retain personal and transaction information only for as long as necessary to:
Provide our services
Meet legal, regulatory, and accounting requirements
Resolve disputes and enforce agreements
When data is no longer required, it is securely deleted or anonymized.
6. User Rights and Choices
Depending on applicable laws, you may have the right to:
Access your personal information
Request correction or updates to your data
Request deletion of your account and personal data (subject to legal obligations)
Withdraw consent for certain data processing activities
Requests can be made through our support channels.
7. Children’s Privacy
AYNA ePay is not intended for use by children under the age of 13. We do not knowingly collect personal information from children. If such data is identified, it will be deleted promptly.
8. Third-Party Services
The App may interact with third-party payment services or platforms. Their use of your data is governed by their respective privacy policies. AYNA ePay is not responsible for the privacy practices of third parties.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted within the App and/or on our official channels. Continued use of the App after updates constitutes acceptance of the revised policy.
10. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your data, please contact us:
AYNA ePay Support
Email: support@aynaepay.com