Customer Privacy at Payclide

At Payclide, it’s important to us that you to have choices and control in how we handle your personal data.
All our products are reviewed extensively by our privacy team before launch, so you can expect privacy by design.

Your privacy matters to us

Your Rights

If you want to exercise your rights over your personal data, contact us any time at

Our commitment to you

If you share data with us, we’ll be transparent about how we’re using it. We clearly and simply explain how we collect and use your personal data in our privacy notices

Your right to choose

We give you clear choices and simple tools to exercise your rights, If we collect data, we'll tell you why. Adjust your preferences in app anytime.

Keeping your data safe

We deploy industry standard and bank grade security, which is independently tested and audited to keep your personal data secure and protected. We will never sell your personal data.

Customer-focused innovation

When we collect and use your data, it’s always in the interest of delivering exceptional services and improving your experience.

Read full customer privacy policy here

PLEASE READ THIS PRIVACY POLICY CAREFULLY. THIS POLICY DESCRIBES THE WAYS Payclide. (“Payclide”, “we”, “us”, “our”) OR OUR VENDORS COLLECT, PROTECT, USE AND STORE YOUR PERSONAL INFORMATION. YOU ACCEPT THIS PRIVACY POLICY BY USING OUR PRODUCTS AND SERVICES ON OUR WEBSITE OR THROUGH ANY OTHER MEANS (COLLECTIVELY THE “SERVICES"). We may amend this Privacy Policy at any time by posting a revised version on our website. We will attempt to give a reasonable notice period upon making any changes; however, unless otherwise stated, the revised version will be effective at the time we post it.

1. How Payclide collects your information.

1.1 Information You Give Payclide.

If you open an account or use the Payclide Service, we may collect the following types of information: Personal information - your name, address, phone, email, third-party application IDs, and other similar information. Financial information - bank account numbers and/or credit card numbers that you link to your Payclide account or give us when you use the Services. Before permitting you to use the Services, we may require you to provide additional information, including but not limited to your date of birth, and other personal information. We may also collect information related to your national identification card number or capture your full national identification card image and require a self-portrait to verify your identity as per the requirements of Anti-Money Laundering and Counter-Terrorism Financing legislation. That information along with other personally identifying information about you will be shared internally and may also be shared externally with our compliance, banking, aggregation and product offering partners that undertake automated review of your information: (i) against relevant government maintained sanctions lists and lists of politically exposed persons, (ii) for purposes of facial recognition against government provided identification documents, (iii) for accuracy against national databases, (iv) for confirming your identity against other relevant databases such as those maintained by companies providing credit reports, and (v) for the purpose of monitoring transactions for fraudulent and other illegal activities.

Mobile Device Access.

We may request access or permission to certain features from your mobile device, including your mobile device’s camera (for the purpose of “selfies” used for identification verification), contacts or contact list (for purposes of engaging your contacts to join you on the Application service), SMS messages (which we may use in the future to simplify your login to the Application), storage (for storing your profile picture for the Application), and potentially GPS (for anti-fraud, Application security purposes) and other features. If you wish to change our access or permissions, you may do so in your device’s settings. It should be noted that like other Applications, we will have access to your device fingerprint which identifies the specific device used for the Application.

Push Notifications.

We may request to send you push notifications regarding your account or the Application. If you wish to opt-out from receiving these types of communications, you may email: turn them off in the application under the settings tab.

1.2 Information Payclide Learns From Your Use.

When you use the Payclide mobile App, visit the Payclide website or use the Services, we may collect information sent to us by your computer, mobile phone or any other device. This information may Include your IP address, device information including but not limited to identifier, name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our site, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, application or the Services. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity that may affect the availability of the Services. When you use the Services, we may also store information based on your usage history. This Includes, but is not limited to, details of your transactions, purchases, content you viewed, event information, click stream information, and cookies that may uniquely identify your browser or your account. We may also collect information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or through interactions with our affiliates.

1.3. Cookies and Anonymous Identifiers.

We use various technologies to collect and store information when you use the Services, and this may Include sending one or more cookies or anonymous identifiers to your device. We also use cookies and anonymous identifiers when you interact with the services we offer to our partners, such as advertising services or Payclide features that may appear on other sites and in any other manner that we deem necessary for our business purposes.

1.4. Information Obtained From Third Parties.

We may also obtain information about you from third parties such as credit bureaus and identity verification services. You may choose to provide us with access to certain personal information stored by third parties such as social media sites (such as Facebook and Twitter). The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your Payclide account and authorizing Payclide to have access to this information, you agree that Payclide may collect, store and use this information in accordance with this Privacy Policy.

1.5. Automated Decision Making.

We may use an automated decision making system to determine whether a user has provided appropriate authentication to engage with the application, including verification of personally identifiable information (“PII”). This includes: (i) matching PII against national databases, publicly available information, sanctions lists, lists of politically exposed persons and other databases that provide information on potentially illegal activity; (ii) comparison by facial recognition of your selfie image against the image provide with your identification document or other database containing your image; and (iii) tracking your PII in the context of automated monitoring of transactions undertaken by you to look for potentially fraudulent or illegal activity. In the event that we receive an automated report that there is a discrepancy, insufficiency or inaccuracy in the information provided by you, we receive a response from a service provider that your information appears on a list that prohibits our engaging with you, suggests the potential for fraudulent or illegal activity, or if our automated transaction monitoring uncovers the potential for your transactions to be fraudulent or illegal, our compliance and customer service teams will engage to review the background information that generated the automated response and determine if the information provided about you is incorrect and we can proceed to either onboard you as a user or continue to allow your use of the Application and if there are still a need for additional information, we may contact you (most likely via SMS message or email) to seek additional information or clarification. If we are unable to continue with you as a user on our platform, we may provide you with the basis for the decision.

You have the right not to be subject to a decision based solely on automated processing, including profiling, which has legal consequences for you or similarly significant effects. While we’re confident that the technology works, we understand that not everyone is comfortable with decisions being left entirely up to machines.

You have the right to object to an automated decision and ask that a person review it and/or to ask that we do not make our decision based on the automated score alone. If you want to know more about these rights or have any questions about our automated decision making processes, please contact us on using the details at the end of this Privacy Policy.

2. How Payclide protects your information.

2.1. Safety Policies.

Payclide stores and processes your information maintaining physical, electronic and procedural safeguards. We maintain physical security measures to guard against unauthorized access to systems and use safeguards such as firewalls and data encryption. We enforce physical access controls to our buildings, and we authorize access to personal information only for those employees or agents who require it to fulfill the responsibilities of their jobs.

3. How Payclide uses your information.

3.1. Legal Basis For Using Your Personal Information.

Under data protection law, we can only use your personal information if we have a proper reason for doing so. In order to use your personal information, we rely on the following legal bases:

Processing is necessary for us to be able to provide our products and services to you in accordance with our Terms of Use;

Processing is necessary to comply with our legal obligations;

Processing is necessary for the purposes of legitimate business interests pursued by us (see more details below); and

You have provided consent to the processing of your personal data for a specific purpose.

3.2. To Manage Your Account.

For Payclide to have accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Application to:

• Create and manage your account. • Compile anonymous statistical data and analysis for use internally or with third parties. • Deliver targeted advertising, coupons, newsletters, and other information regarding promotions and the Application to you. • Email you regarding your account. • Enable user-to-user communications. • Fulfill and manage transactions related to the Application. • Generate a personal profile about you to make future visits to the Application more personalized. • Increase the efficiency and operation of the Application. • Monitor and analyze usage and trends to improve your experience with the Application. • Notify you of updates to the Application. • Offer new products, services, mobile applications, and/or recommendations to you. • Perform other business activities as needed. • Authenticate your information for the purposes of performing anti-fraud, anti-terrorism and other safety and security reviews. • Prevent fraudulent transactions, monitor against theft, and protect against criminal activity. • Process payments and refunds. • Request feedback and contact you about your use of the Application. • Resolve disputes and troubleshoot problems. • Respond to product and customer service requests. • Send you a newsletter. • Solicit support for the Application.

3.3. To Improve Our Service.

Payclide uses information to perform and improve our services, contact you, conduct research, and provide anonymous reporting for clients. For example, we may use information to provide customer service and support, process transactions, resolve disputes, collect payments, prevent illegal activities, customize the Services, reduce risk to all parties involved in our transactions, and verify the accuracy of information.

3.4. To Serve Relevant Marketing to You.

We may use information to deliver targeted marketing, service update notices, and promotional offers based on your communication preferences. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, content, and advertising.

4. When Payclide shares your information.

4.1. For Our Everyday Business Purposes.

We share your personal information with employees, affiliates, vendors, partners, merchant partners, marketing providers, and third parties as required to offer the Payclide Service. This Includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit bureaus. We may share your information with the merchants you use the Payclide Services with for marketing purposes, and as otherwise permitted by law.

4.2. When Required By Law.

We will share your information with any party when required by law or by a government request to do so or to combat fraud or criminal activity. To investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others.

4.3. With Our Merchant Partners to Provide Personalized Offers.

We may share your information with merchants you interact with using Payclide for marketing, if you consent or as permitted by law. By creating a Payclide account, you consent to Payclide sharing your information with merchants you use the Payclide Services with, for those merchants to market to you. We do this to help merchants personalize services and offers, so you can have a better experience. You’re able to revoke your consent at any time by following the steps below. If you choose to do so, we will stop sharing your information with merchants from that point onward, except as necessary to complete transactions you initiate. To revoke your consent to information sharing with merchants for marketing, you can log into your Payclide account through our mobile App and edit your Personalized Services preferences.

4.4. Interaction With Other Users.

If you interact with other users of the Application, those users may see your name, profile photo, and descriptions of your activity, including sending invitations to other users, chatting with other users, liking posts, and following blogs.

4.5. Third-party Advertisers.

We may use third-party advertising companies to serve ads when you visit the Application. These companies may use information about your visits to the Application and other websites that are contained in web cookies in order to provide advertisements about goods and services of interest to you.

4.6. Sale OR Bankruptsy.

If we reorganize or sell all or a portion of our assets, undergo a merger, or are acquired by another entity, we may transfer your information to the successor entity. If we go out of business or enter bankruptcy, your information would be an asset transferred or acquired by a third party. You acknowledge that such transfers may occur and that the transferee may decline honor commitments we made in this Privacy Policy.

We are not responsible for the actions of third parties with whom you share personal or sensitive data, and we have no authority to manage or control third-party solicitations. If you no longer wish to receive correspondence, emails or other communications from third parties, you are responsible for contacting the third party directly.

5. How Payclide does NOT use your information.

5.1. Selling Information to Third Parties.

We don't sell or rent your personal information to third parties.

6. How Payclide Secures Your Information.

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. Any information disclosed online is vulnerable to interception and misuse by unauthorized parties. Therefore, we cannot guarantee complete security if you provide personal information.

7. How Long Payclide Will We Keep Your Personal Information.

We will keep your personal information while we are providing products and services to you. Thereafter, we will keep your personal information for as long as is necessary:

To respond to any questions, complaints or claims made by you or on your behalf;

To show that we treated you fairly; and

To keep records required by law.

We will not retain your personal information for longer than necessary for the purposes set out in this policy. Different retention periods apply for different types of personal information. Further details on this are available on request using the contact details set out below. When it is no longer necessary to retain your personal information, we will delete or shred it as necessary.

7. What are your options?

7.1. Notifications.

If you no longer wish to receive notifications about our Services, you may change your notification preferences by emailing Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Payclide reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Payclide Service. You are still responsible for any amounts due to Payclide even if we close or limit access to your account.

7.2. SMS Messaging.

You can opt out of receiving SMS messages by emailing Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Again, Payclide reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Payclide Service. You are still responsible for any amounts due to Payclide even if we close or limit access to your account.

7.3. Access Your Information.

You can review and edit your personal information at any time by logging in to your account on the Website or by contacting us at You can also request to close your account by contacting us at If you close your Payclide account, we will mark your account in our database as “Closed,” but will keep your account information in our database to comply with our legal obligations. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. If you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or in accordance with this Privacy Policy.

7.4. Contact Payclide.

Our users' privacy is very important to us. We are committed to safeguarding the information entrusted to us and will continually update this policy to ensure that users’ rights with regards to personal information are respected. If you have questions or concerns regarding this Privacy Policy, you should contact us at:

Payclide Privacy Notice.

Facts What does Payclide do with your personal information?
Why? Financial companies choose how they share your personal information. The law gives consumers the right to limit some but not all sharing. The law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us.
This information can Include:
- Account balances
- Transaction history and account transactions
- Credit scores and checking account information
When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Payclide chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information What does Payclide share? Can you limit this sharing?
For our everyday business purposes
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.
Yes No
For our marketing purposes
To offer our products and services to you.
Yes No
For joint marketing with other financial companies. No We don't share
For our affiliates' everyday business purposes
Information about your transactions and experiences.
No we don't share
For our affiliates' everyday business purposes
Information about your creditworthiness.
No we don't share
For non-affiliates to market to you. Yes Yes

Limit Our Sharing. You may limit our sharing by logging into your Payclide account at and editing your Personalized Services preferences. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we send this notice, or earlier if you consent or as permitted by law. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions. Email

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