seypayNo-Sale Guarantee
We never sell, rent, monetize, or trade your personal or financial information to third-party data brokers or advertisers.
SEYPAY PRIVACY & DATA PROTECTION
Clear policy.
Protected data.
How SeyPay collects, processes, discloses and safeguards your personal and financial information, built on global cryptographic standards and strict financial regulatory compliance.
Section 01 · Overview
Built on transparency,
anchored in trust.
SeyPay (“we”, “our” or “us”), operated by SEY Solutions Ltd, is dedicated to protecting the privacy, confidentiality, and integrity of the personal data entrusted to us by our users, merchants, and platform visitors.
Proportionality
We collect only the data strictly necessary to provide smart wallet services, settle transactions, and satisfy mandatory legal duties.
Zero Plaintext Secrets
Passwords, PIN hashes, biometric keys, and card PANs are cryptographically isolated and never logged or stored in plain text.
User Agency
Full statutory rights to access, inspect, rectify, or export your personal data records with responsive support turnaround.
Regulatory Adherence
Compliant with financial consumer protection guidelines, electronic payment directives, and AML/CFT data retention requirements.
Section 02 · Data Categories
Information
we collect.
Depending on the services you utilize, SeyPay collects and processes the following specific categories of user and transactional data.
Personal IdentityFull name, date of birth, nationality, government-issued photo ID, passport details, and biometric liveness metadata.
Contact InformationVerified mobile phone number, primary email address, residential address, and user notification preferences.
Financial & Ledger DataDual-currency wallet balances (GMD & USD), payment reference codes, linked bank details, card transaction logs, and Paylink receipts.
Device & TelemetryDevice hardware identifier, operating system version, client application build, approximate geographic IP data, and biometric handshake tokens.
Proportionate collectionEncrypted storageAudit-logged
Compliance & Verification
Know Your Customer
(KYC) tiers.
To comply with Anti-Money Laundering (AML) and Counter-Financing of Terrorism (CFT) laws, verification data is collected progressively based on account transaction tiers.
Basic WalletVerified phone number and name for everyday micro-transactions.
Standard TierGovernment ID verification for increased domestic transfer limits.
Global TierBiometric liveness screening (Sumsub) for virtual card issuance.
Business TierCorporate registry, tax identification, and beneficial ownership proof.
Section 03 · Processing Grounds
Every byte of data
has a clear purpose.
We process personal information exclusively under legitimate legal grounds, contractual necessity, and statutory financial directives.
Wallet Operations
Executing instant peer-to-peer transfers, maintaining ledger integrity, and managing GMD & USD account balances.
Card Management
Provisioning virtual cards, managing Visa network settlement, and enforcing instant user freeze and spend controls.
Flight Ticketing
Transmitting verified passenger details and manifests to airlines via our licensed Duffel API partnership.
Fraud Detection
Employing automated heuristics to identify velocity spikes, suspicious access patterns, and account compromise.
Statutory Filings
Fulfilling mandatory compliance reporting and suspicious transaction notices to central banks and regulatory authorities.
Section 04 · Third-Party Ecosystem
Strict boundaries for
our operational partners.
We share necessary data only with certified, audited infrastructure providers bound by Data Processing Agreements (DPAs).
Banking & Rails
Licensed financial
clearing partners.
Transactions are settled through regulated commercial banks (Zenith Bank, Sky Bank) and card scheme rails (Visa, Mastercard, Stripe).
Zenith BankSky BankVisa & MastercardModemPay
Specialized Partners
Verification &
airline services.
Biometric identity verification is conducted via Sumsub, and commercial flight ticketing is processed through Duffel API integrations.
Sumsub (Identity)Duffel (Aviation)Statutory regulators
Section 05 · Cryptography
Defense-in-depth
security engineering.
SeyPay employs zero-trust cryptographic protections to ensure that your money and personal records remain uncompromised at all times.
Asymmetric Key PairsBiometric tokens are signed on-device with private keys stored exclusively inside hardware secure enclaves (Apple Secure Enclave, Android Keystore).
TLS 1.3 Transport SecurityAll API communications and ledger sync operations are secured with perfect forward secrecy and certificate pinning.
Role-Based Access (RBAC)Strict least-privilege administrative access guarded by mandatory hardware security keys and continuous audit logging.
24/7 Security OperationsAutomated anomaly detection and real-time threat monitoring across every server instance and endpoint.
Section 06 · Governance
Statutory retention &
your privacy rights.
You retain continuous agency over your personal information, balanced with mandatory anti-financial crime obligations.
RIGHT 01
Right to Access
Request a full export of personal details and historical transactions held in your file.
RIGHT 02
Right to Rectification
Update inaccurate, incomplete, or outdated residential and identity records at any time.
RIGHT 03
Right to Erasure
Request account deletion once statutory financial retention periods (typically 5–7 years) expire.
RIGHT 04
Right to Portability
Download machine-readable exports of your ledger history for accounting or tax purposes.
*In accordance with anti-money laundering regulations, ledger logs and customer verification files are retained for a mandatory statutory period (5 to 7 years) after account closure.
Section 07 · Contact Office
Reach our Data
Protection Officer.
Questions about this policy or your personal data? Our compliance team responds promptly to all regulatory and customer inquiries.
Privacy Email
Direct line to our compliance and privacy officers:
privacy@seypay.com
Customer Support
Available for general questions and account requests:
+220 770 1223
Registered Entity
SEY Solutions Ltd
Bijilo, The Gambia, The Gambia
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