Privacy Notice — PayCart

Overview

PayCart Technologies Limited (“PayCart”, “we”, “us”, or “our”) operates a digital commerce platform enabling merchants, vendors, and businesses to create storefronts, market products, process multi-channel orders, and manage settlements and logistics via our website (www.paycart.com.ng), mobile apps, dashboards, and APIs (collectively, the “Services”).

This Privacy Notice (“Notice”) outlines how we collect, use, process, and protect your personal information when you access or interact with PayCart as a Merchant, Customer, visitor, or support contact.

1. Information We Collect

We collect personal information necessary to deliver our merchant software, process orders, disburse payouts, prevent fraud, and comply with applicable laws:

2. Cookies and Tracking Technologies

We use essential and analytics cookies to maintain user authentication sessions, remember store preferences, secure payment checkouts, and analyze platform traffic. You can adjust your cookie preferences at any time via our Cookie Consent banner or browser settings.

3. Lawful Bases for Processing

We process your personal information under the following recognized lawful bases:

• Contractual Necessity: To fulfill our service agreement with you (e.g. creating your store, syncing orders, routing payments).
• Legal Obligation: To comply with tax, financial, AML, and statutory reporting requirements.
• Legitimate Interests: To detect platform fraud, protect system security, and enhance merchant tools.
• Consent: For opt-in marketing newsletters or browser push notification updates.

4. Data Sharing & Third Parties

PayCart does not sell your personal data. We share information only with authorized infrastructure partners strictly necessary to operate the platform:

• Payment Providers: Licensed payment processors (e.g., Paystack) to authorize card payments and bank transfers.
• Logistics Partners: Integrated delivery couriers (e.g., DHL, Fez Delivery, GIGL) to execute package pickups and door-to-door fulfillment.
• Cloud Infrastructure: Secure cloud hosting, database encryption, and automated transactional email/SMS delivery providers.
• Regulatory Authorities: Where legally mandated to comply with court orders, fraud investigations, or consumer protection inquiries.

5. Your Rights as a Data Subject

You retain the following rights regarding the personal information we hold about you:

• Right of Access: Request a copy of your stored personal data;
• Right to Rectification: Correct inaccurate or incomplete business/profile records;
• Right to Erasure: Request the deletion of your account and associated store data;
• Right to Restriction / Objection: Object to specific processing or marketing broadcasts;
• Data Portability: Export your customer and order data in a structured machine-readable format (CSV).

To exercise any of these rights, contact us at support@paycart.com.ng.

6. Security & Data Retention

We employ industry-standard encryption, Row-Level Security (RLS) on all database tables, HTTPS transport protection, and strict access controls. Data is retained only for the period necessary to provide active merchant services and comply with financial auditing guidelines.

7. Contact Us

If you have questions, inquiries, or complaints regarding this Privacy Notice, please contact: