Privacy Policy

Last updated: January 2026

Introduction

At Payinto, a product of Retenvo Technologies Limited, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment automation platform and services.

Information We Collect

Personal Information

We collect information that you provide directly to us, including:

  • Name, email address, and phone number
  • Business information and tax identification numbers
  • Bank account and payment information
  • Identity verification documents

Transaction Information

We collect information about the transactions you make through our platform, including payment amounts, dates, merchant details, and transaction history.

Technical Information

We automatically collect certain information when you use our services:

  • Device information (IP address, browser type, operating system)
  • Usage data and analytics
  • Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our payment services
  • Process transactions and send transaction notifications
  • Verify your identity and prevent fraud
  • Comply with legal and regulatory requirements
  • Communicate with you about our services, updates, and promotions
  • Analyze usage patterns and optimize our platform
  • Provide customer support and respond to inquiries

Information Sharing and Disclosure

We may share your information with:

Partner Banks

We share necessary information with our licensed banking partners to process transactions and provide financial services.

Service Providers

We work with third-party service providers who assist us in operating our platform, conducting business, and serving our users.

Legal Requirements

We may disclose your information when required by law, regulation, or legal process, or to protect the rights, property, or safety of Payinto, our users, or others.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include encryption, secure servers, firewalls, and regular security assessments. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your Rights

You have the right to:

  • Access and review your personal information
  • Request correction of inaccurate or incomplete data
  • Request deletion of your personal information (subject to legal requirements)
  • Opt-out of marketing communications
  • Object to certain processing of your data

To exercise these rights, please contact us at privacy@payinto.co.

Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. When we no longer need your information, we will securely delete or anonymize it.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities and to personalize your experience. You can control cookies through your browser settings, but disabling cookies may limit your ability to use certain features of our platform.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: privacy@payinto.co

Address: Retenvo Technologies Limited, Lagos, Nigeria