Privacy Policy for Horizon Pay

At Horizon Pay, we are committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our international money transfer, mobile airtime top-up, online payment processing, cross-border remittance, and currency exchange services (collectively, "our services" or "this service") through our online platform.

By accessing or using our services, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy. If you do not agree with the terms of this policy, please do not access or use our services.

Information We Collect

We collect various types of information to provide and improve our services, including:

• Information You Provide Directly to Us: This includes personal and financial information you provide when you register for an account, initiate a transaction, verify your identity (Know Your Customer - KYC), or communicate with us. This may include:
  • Identity Information: Name, date of birth, gender, nationality, photographs, government-issued identification numbers (e.g., social security number, passport number, driver's license number).
  • Contact Information: Residential address, email address, telephone number.
  • Financial Information: Bank account numbers, credit/debit card details, transaction history, source of funds, purpose of transaction.
  • Transaction Details: Information about the sender, recipient, amount, and type of transaction.
  • Communications: Records of your communications with us, including customer support inquiries.
• Information We Collect Automatically: When you access our online platform, we may automatically collect certain information about your device and usage patterns. This may include:
  • Device Information: IP address, operating system, browser type, unique device identifiers.
  • Usage Data: Pages viewed, time spent on our site, links clicked, referring URL, and other actions taken on our platform.
  • Location Information: General location derived from your IP address.
  • Cookies and Tracking Technologies: We use cookies and similar technologies (e.g., web beacons, pixels) to enhance your experience, analyze usage, and deliver targeted advertising.
• Information from Third Parties: We may receive information about you from third-party service providers, such as identity verification services, fraud prevention agencies, financial institutions, and public databases, to comply with legal obligations and enhance the security of our services.

How We Use Your Information

We use the information we collect for various purposes, including:

• To Provide and Maintain Our Services: To process your international money transfers, mobile airtime top-ups, online payments, cross-border remittances, and currency exchanges.
• To Verify Your Identity: To comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations and prevent fraud.
• To Improve and Personalize Our Services: To understand how you use our services, develop new features, and tailor your experience.
• For Security and Fraud Prevention: To protect against fraudulent or unauthorized transactions, investigate suspicious activity, and safeguard our platform and users.
• To Communicate with You: To send you transaction notifications, service updates, security alerts, and respond to your inquiries.
• To Comply with Legal Obligations: To meet applicable laws, regulations, and legal processes, including responding to lawful requests from public authorities.
• For Our Legitimate Business Interests: Such as analyzing trends, administering our site, and protecting our rights and property.

How We Share Your Information

We may share your information with third parties in the following circumstances:

• With Service Providers: We engage third-party companies and individuals to perform services on our behalf, such as payment processing, data hosting, analytics, customer support, identity verification, and marketing. These service providers are obligated to protect your information and use it only for the purposes for which it was disclosed.
• With Financial Institutions and Partners: To facilitate transactions, we share necessary information with banks, payment networks, and other financial institutions involved in the transfer process.
• For Legal and Regulatory Purposes: We may disclose your information if required to do so by law, in response to a subpoena or court order, or if we believe such action is necessary to comply with legal obligations, protect our rights, prevent fraud, or ensure the safety of our users.
• With Affiliates: We may share your information with our corporate affiliates for business operations and to provide integrated services.
• With Your Consent: We may share your information with other third parties when we have your explicit consent to do so.

Legal Basis for Processing Your Personal Data (for EU/EEA Users)

If you are an individual in the European Economic Area (EEA), our legal basis for collecting and using the personal data described in this Privacy Policy depends on the personal data we collect and the specific context in which we collect it:

• Performance of a Contract: Processing is necessary for the performance of a contract to which you are a party or to take steps at your request prior to entering into a contract (e.g., to provide our services).
• Legal Obligation: Processing is necessary for compliance with a legal obligation to which we are subject (e.g., KYC/AML regulations).
• Legitimate Interests: Processing is necessary for the purposes of the legitimate interests pursued by us or by a third party, except where such interests are overridden by your interests or fundamental rights and freedoms (e.g., fraud prevention, service improvement, network security).
• Consent: We may rely on your consent to process certain personal data for specific purposes (e.g., for certain marketing activities), in which case we will obtain your explicit consent.

Data Security

We implement a variety of security measures, including encryption, firewalls, and access controls, to maintain the safety of your personal information and protect it from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to provide our services, comply with our legal and regulatory obligations (e.g., anti-money laundering laws, financial record-keeping requirements), resolve disputes, and enforce our agreements. The specific retention periods vary depending on the type of information and the purpose for which it was collected.

Your Data Protection Rights

Depending on your location and applicable law, you may have the following rights regarding your personal data:

• Right to Access: The right to request copies of your personal data.
• Right to Rectification: The right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
• Right to Erasure (Right to be Forgotten): The right to request that we erase your personal data under certain conditions.
• Right to Restrict Processing: The right to request that we restrict the processing of your personal data under certain conditions.
• Right to Object to Processing: The right to object to our processing of your personal data under certain conditions.
• Right to Data Portability: The right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
• Right to Withdraw Consent: If we are relying on your consent to process your personal data, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below. We will respond to your request in accordance with applicable data protection laws.

International Data Transfers

Your information, including personal data, may be transferred to and maintained on computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those from your jurisdiction. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Third-Party Links

Our online platform may contain links to third-party websites or services that are not owned or controlled by Horizon Pay. We are not responsible for the privacy practices or the content of these third-party sites or services. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal data from a child under 18 without parental consent, we will take steps to remove that information from our servers.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "last updated" date. We encourage you to review this Privacy Policy periodically for any changes. Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of the revised terms.

Contact Us

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