Privacy Policy

1. Who we are

Synergic Pay is a payment infrastructure company providing collections, disbursements, and settlement services to businesses, platforms, and institutions. References to "we", "us", or "Synergic Pay" in this policy refer to the company and its affiliated entities responsible for processing your data.

2. Information we collect

We collect information in the following categories:

• Identity and contact data — full name, business name, email address, phone number, and job title submitted via our forms or during onboarding.
• Business and KYC data — company registration details, director information, settlement account details, and supporting documents submitted for merchant onboarding.
• Transaction data — payment references, amounts, timestamps, and outcome records associated with collections and disbursements processed through the platform.
• Technical identifiers — IP address, browser type, device information, and session data collected when you access our website or API.
• Communications — messages, support tickets, demo requests, and email correspondence submitted through our contact channels.

3. How we use your information

We use collected information to:

• Onboard merchants and verify business identities in line with regulatory requirements.
• Process payment transactions, execute settlements, and generate reconciliation records.
• Respond to demo requests, support inquiries, and general correspondence.
• Send operational communications including transaction confirmations and service updates.
• Monitor platform security, detect fraud, and investigate suspicious activity.
• Meet our obligations under applicable financial regulations, tax laws, and licensing requirements.
• Improve product performance and user experience based on aggregate usage data.

4. Sharing of information

We do not sell personal information. We may share data with mobile network operators, banking partners, and payment scheme providers to process transactions; with technology vendors and cloud infrastructure providers operating under appropriate data processing agreements; with regulators, financial intelligence authorities, and law enforcement when required by applicable law; and with professional advisers such as legal counsel or auditors on a need-to-know basis. Any third party receiving your data is subject to confidentiality obligations and permitted to use it only for the specific purpose for which it was shared.

5. Data retention

We retain personal and transaction data for as long as necessary to fulfil the purposes described in this policy, maintain accurate financial records, and comply with statutory retention obligations — typically a minimum of seven years for transaction and KYC records under applicable financial regulations. Data no longer needed for any lawful purpose is securely deleted or anonymised.

6. Security

We implement technical and organisational controls to protect your information, including encrypted data transmission, access controls, audit logging, and periodic security reviews. No system is completely immune to risk; in the event of a breach affecting your rights, we will notify you and the relevant authorities as required by law.

7. Your rights

Depending on your jurisdiction, you may have the right to access personal data we hold about you, request correction of inaccurate records, ask for deletion where data is no longer needed or lawfully held, object to certain processing activities, and lodge a complaint with the relevant data protection authority. To exercise any of these rights, contact us through the website contact form or reach your account representative directly.

8. Changes to this policy

We may update this Privacy Policy to reflect changes in our practices, platform capabilities, or legal requirements. Material changes will be communicated via the website or direct notification. Continued use of our services after any update constitutes acceptance of the revised policy.

9. Contact

For privacy-related questions, data requests, or concerns, please contact the Synergic Pay team at helpdesk@synergicpay.com or through the contact form on our website.