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