PRIVACY POLICY FOR PAXTEL MOBILE

Paxtel Mobile ("we", "us", "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our financial services mobile application ("Paxtel Mobile App" or "the App"), available on the Android app store.

By using Paxtel Mobile App, you agree to the terms of this Privacy Policy. If you do not agree with our practices, please do not use the App.

When you use Paxtel Mobile App, we may collect the following types of information:

A. Personal Information

• Identification Information: Name, date of birth, gender, national ID/passport number, and other government-issued identification.
• Contact Information: Phone number, email address, and physical address.
• Financial Information: Bank account details, mobile money wallet information, transaction history, payment card details.

B. Device and Usage Information

• Device type, operating system, unique device identifiers (IMEI, Android ID), and IP address.
• Log information such as usage data, access times, and pages viewed.

C. Location Information

With your permission, we may collect and process information about your location using GPS and other technologies.

D. App Permissions and Access

The App may request access to your device's camera (for KYC/identity verification), contacts (for payment transfers), and storage (for document uploads).

We use your information for the following purposes:

• • To provide, operate, and maintain the App and our services.
• • To process your transactions and manage your account.
• • To verify your identity and comply with legal obligations (e.g., KYC, anti-money laundering).
• • To communicate with you regarding your account, transactions, and important updates.
• • To improve our services, troubleshoot problems, and analyze usage.
• • To send you service-related messages and, where applicable, marketing communications (with your consent).
• • To detect, prevent, and address fraud, security, or technical issues.

We may use cookies, mobile analytics, and other tracking technologies to collect and store information about your use of Paxtel Mobile.

What Are Cookies?

Cookies are small data files stored on your device that help us recognize you and improve your user experience.

Why We Use Cookies:

• • To remember your preferences and settings.
• • To enable core functionality and security features.
• • To analyze how you use the App so we can improve it.
• • To deliver personalized content and services.

Third-Party Cookies and SDKs:

We may use third-party analytics and advertising partners that may set cookies or use similar tracking technologies within the App.

Managing Cookies:

You may have the option to control or disable cookies through your device settings. Please note that disabling cookies may affect the functionality of the App.

Paxtel Mobile App may display in-app advertisements or partner with third-party advertising networks.

Ad Personalization:

We may share limited, non-personal information (such as device identifiers or aggregated app usage statistics) with advertising partners to deliver relevant advertisements to you.

Third-Party Ad Networks:

Our advertising partners may use cookies and similar technologies to collect and process information about your interactions with ads in order to measure ad performance, personalize ads, and prevent fraud.

Opt-Out:

You can manage your ad preferences and opt-out of personalized advertising by adjusting your device settings (e.g., "Opt out of Ads Personalization" on Android devices).

No Sharing of Sensitive Data:

We do not share your sensitive financial or identification data with advertisers.

We may share your information as follows:

• With Service Providers: We may share your data with trusted third parties who assist us in operating the App, processing payments, or providing customer support.
• With Financial Institutions: To process transactions, we may share necessary information with banks, payment processors, and mobile money operators.
• With Regulatory Authorities: We may share your information to comply with legal and regulatory requirements, including law enforcement requests, court orders, or government regulations.
• With Your Consent: We may share your information for other purposes with your explicit consent.

We do not sell your personal information to third parties.

We retain your personal information for as long as your account is active or as needed to provide you services. We may also retain and use your information to comply with our legal obligations, resolve disputes, and enforce our agreements.

We employ administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, loss, or misuse. However, no method of transmission over the Internet or electronic storage is completely secure.

Your information may be processed and stored in countries outside your country of residence. We will take appropriate measures to ensure that your data is treated securely and in accordance with this Privacy Policy.

Depending on your jurisdiction, you may have the following rights:

• Access: You can request access to the personal information we hold about you.
• Correction: You may update or correct your personal information.
• Deletion: You may request deletion of your account or personal data, subject to legal and regulatory retention requirements.
• Objection: You may object to certain types of data processing, such as direct marketing.
• Withdraw Consent: Where processing is based on consent, you may withdraw your consent at any time.

To exercise your rights, please contact us using the contact information below.

Paxtel Mobile is not intended for use by children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us, and we will take steps to delete such information.

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on the App and updating the effective date. Your continued use of the App constitutes acceptance of the updated policy.