In this Statement, we explain how we collect, use, share and protect your personal information. We also tell you about your rights and choices with respect to your personal information and how you can contact us.
The purpose of this Privacy Statement is to give you information on how PayU Kenya Limited (“PayU Kenya”) collects and processes your personal information when you use our website (“Website”), software applications (“Apps”), or payment processing platforms (“Platforms”), or our financial technology products or services we may offer you.
PayU Kenya and its businesses are part of a group made up of several local businesses in a number of markets across the world. “PayU”, “us” “our” or “we” in this Privacy Statement refers to PayU Kenya that is responsible for processing your personal information in Kenya.
This means that while this Privacy Statement applies to PayU Kenya, you can view our Global Privacy Statement here. In the case of any differences between this statement and the Global Privacy Statement, this will prevail.
PayU belongs to Prosus Group (https://www.prosus.com/) companies of companies i.e., Prosus N.V, a company registered with the Trade Registry for Amsterdam under 34099856 and its affiliates.
“Personal information” means any information relating to an identified or identifiable individual. Depending on who you are (e.g., a merchant, customer, cardholder, supplier or business partner) and how you interact with us (e.g., telephone, online or offline), we may collect, use, receive, store, analyze, combine, transfer or otherwise process different categories of personal information.
Below is a table reflecting the categories of personal information we may collect about you:
|Categories of Personal Information||Which includes such information as|
|Identity and account log- in information||Full name(s), title, identity number, and your date of birth.|
|Contact information||Telephone number(s), physical address, country, email, and chosen billing address.|
|Financial information||Bank account data, credit or debit card information.|
|Payments information (transactional information)||Personal account numbers, name on credit card, a merchant’s name and identifiers, the date and amount of the transaction and other information provided by you directly or by banks or merchants.|
|Usage and technical information||IP addresses, browser type and versions, operating systems, time zone setting, geolocation information, content and pages that you access on our Website, App or Platform, and the dates and times that you visit the Website, App or Platform, paths taken.|
|Marketing and communications information||Communication with customer service support, behavioural data (for example, collected using cookies), information about promotions, surveys, promotional campaigns and records of your decision to subscribe or to withdraw from receiving marketing materials.|
We may also collect, use and/or share non-personal information or anonymized data such as statistical or demographic data.
As a principle, we do not collect any sensitive categories of personal information about you (such as details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, conscience political opinions, trade union membership, information about your health and genetic and biometric information as defined under section 2 of the Data Protection Act, 2019).
To the extent our Website or App include links to third-party websites, plug-ins and applications (including cookies, tracking technologies and widgets by third party advertisers), it is important that you understand that by clicking on those links or enabling those connections, you may allow third parties to collect or share data about you. PayU does not have oversight of these third-party websites and we are not responsible for their storing or processing of personal information.
How we collect personal information will depend on the following broader situations:
1. If we receive or collect it directly from you
We may collect personal information directly from you in different ways on our Websites, Apps, Platforms or product or service offerings. For example, you may give us your personal information when you:
2. If we collect personal information from third parties, or from publicly available sources
We obtain personal information through third parties or, if publicly available, where permitted under applicable law, including:
We process personal information only when we have a valid legal ground to do so. Most commonly, we use your personal information where:
We may seek your explicit consent where the applicable laws require us to do so and when it is required. When consent is explicitly required, we adhere to the relevant requirements of the Data Protection Act, 2019 (the “Act”) and the guidelines issued by the Office of the Data Protection Commissioner (ODPC) from time to time.
1. To verify, authenticate and authorize your use of our products or services
To conduct ‘Know your Customer’ and risk assessments in order to authenticate and authorize your use of our products or services depending on if you are a merchant, consumer or customer, and your choice of service or product. The type of personal information typically required is Identity, Contact and Financial information. This is necessary in order for PayU to assess your application under contract and necessary for our legal obligations under certain laws, including as required by the Central Bank of Kenya.
2. To process payment transactions made through our Platforms
The types of personal information we require to provide a product or service and the legal ground depends on the specific payment methods made available by PayU Kenya.
PayU offers multiple types of international and local payment methods, which are subject to product specific service terms (contracts) and legal obligations. For example, when PayU offers card payment processing as a payment’s aggregator on a Platform, PayU processes personal information received from merchants such as transaction details, and if payment is by card (cardholder details such as name on card) in order complete the payment by you to the merchant to purchase a product or service. PayU is often a processor of personal information on behalf of the merchant who is acting as controller . In other cases, certain payment transactions require you to provide personal information directly to us onto our Platform in order for us to process a transaction – in that instance the purpose is to process the payment for you.
Please click here and the select the country of choice to find out the specific details of the payment methods available in your country.
3. To protect our business and to ensure compliance with the law
We process personal information to meet the requirements of applicable laws, regulations, standards, rules, codes and the requirements of financial institutions with which PayU must comply. This includes:
4. To manage our relationship with you
If you contact us or otherwise give us your Contact information (for example by registering, by completing an enquiry form on our Website, or by subscribing to receive support, and service status communications from us or security or anti-fraud monitoring alerts), we may process your personal information:
5. To market our products and services and related services to you
We may use personal information to market our products and services and to notify you about events, offers, sponsorships, marketing programs and similar marketing campaigns. For more information please see Marketing.
6. To conduct research and to develop and improve our products and services
We may use personal information that we collect:
We may share personal information with internal third parties, being third parties from the group of companies to which PayU belongs, i.e., the Prosus Group (https://www.prosus.com/) companies. Where you have given consent, we may disclose your personal information to those companies, to:
With your consent, we may share your personal information with external third parties such as:
PayU takes all reasonable measures to ensure that every third party involved in the processing of your personal information has the required organizational and technical protections in place, including the required data processing and transfer agreements where this is necessary. When required under applicable law, we may provide you with a list of our sub-processors or suppliers upon request. Contact us by submitting a request through our Privacy Portal.
You may receive marketing communications from PayU, for example, if you have:
The provision of such marketing activities is subject to the applicable laws of the country, including Kenya, that the marketing and communication activity occurs or is directed to We keep a register of marketing and communications personal information that is used by us. You are entitled to opt in to receiving such marketing provided in such PayU marketing communications.
Depending on the applicable laws in the PayU local business’ country, you may also be required to actively opt- in before receiving any marketing communications from PayU.
PayU may also use Marketing and communications personal information in order to improve and customize the content of our ads, promotions and advertising that may be of interest to you.
A cookie is a small text file containing a string of alphanumeric characters (numbers and letters).
We are a global company with a global footprint.
Your personal information may be processed either locally in Kenya where you work or reside, or in any other country where we or our approved third-party service providers operate, worldwide, as permitted by law.
Should your personal information move outside Kenya, prior to any transfer we will provide proof to the DPC on the appropriate safeguards with respect to the security and protection of the personal data including jurisdictions with similar data protection laws.
PayU may store your personal information for as long as required for the fulfilment of the purposes for which we collected it. The retention of personal information by PayU is determined by considering compliance with legal (contractual or statutory requirements), accounting and compliance reporting requirements. For example, preventing fraud and to prevent anti-money laundering and combat anti-corruption and financing of terrorism.
PayU also takes into consideration the temporary limits established in the commercial or data privacy laws, as well as in other relevant laws, in the different countries in which PayU provides its services.
In particular, and in accordance with the Data Protection Act, your personal information shall be kept in a form which can identify you for no longer than is necessary for the purposes for which the personal information is processed, unless:
Subject to implementation of the appropriate technical and organisational measures such as anonymisation of pseudonymisation, personal information may be retained for longer periods.
We ensure that you may exercise your individual privacy rights under applicable privacy and data protection laws. This means that PayU seeks to provide reasonable assistance to cater to requests from individuals regarding the processing of personal information and the right to access, delete, erase, amend and withdraw permission to the processing of personal information.
Depending on the applicable laws in your country, you may have certain rights under data protection law. For example, under the Act, you can exercise the following rights:
Please submit a request if you would like to exercise any of the above rights. These rights are limited in some situations, such as where we are legally required to process your personal information, and this may limit your ability to use some of our products and services.
The security of your personal information is important to PayU. PayU takes legal, technical and organizational measures that it considers necessary in order to maintain the confidentiality and security of your personal information, with due regard to the applicable obligations and exceptions under the legislation in force.
In addition, PayU follows the payments industry standards regarding the protection of payment card information. Each local business is regularly audited to maintain the highest level of security certification with the Payments Card information Security Standard Council (PCI) in respect of protecting card data.
PayU regularly reviews its policies regarding the collection, storage and processing of your personal information, including physical security measures, to prevent alteration, loss, query, use or fraudulent or unauthorized access of your personal information.
PayU has put in place procedures to deal with personal information breach and will notify you and any applicable regulator or authority of a breach where we are legally required to do so.
PayU does not voluntarily or actively collect, use or disclose personal information of minors without the prior consent of the parents or guardians of the minor.
The services of PayU are not intended or designed to attract minors.
PayU shall incorporate appropriate mechanisms for age verification and consent in order to process personal data of a minor. Failing which if we learn that we collected the personal information of a minor, without first receiving a verifiable parental/guardian consent, we will take steps to delete the information as soon as possible.
This Privacy Statement may change over time. The recent version of this Global Privacy Statement is published on this Website.
This version was issued on May 2020 and has been changed on 17 November 2021.
We will notify you of any changes to this Privacy Statement by publishing this on our Website. You can print or store this Privacy Statement by downloading a copy from your browser.
It is very important that any personal information we hold about you is up to date and correct. Please inform us of any changes to your personal information.
The controller of the content of this Website is PayU Kenya Limited, registration CPR/2014/134129.
PayU has a global Privacy Team, including a Global Privacy Officer (CPO) and a Regional Protection Officer (RPO) for Africa. You can contact us here.