Privacy Policy

1. Introduction

Payemm Limited ("Payemm", "we", "us", or "our") is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, store, and share your information when you use the Payemm platform.

By creating an account or using Payemm, you acknowledge and agree to the collection, use, and sharing of your information as described in this policy.

2. Information We Collect

We collect information necessary to provide, operate, and improve our services.

• Personal information: first name, last name, alias, sex, date of birth, TRN, phone number, and email address
• Account information: login credentials, account activity, account status, and verification progress
• Verification and KYC data: identity and address details, submitted verification documents, and financial documents
• Payment information: payment method details and tokenized references from payment processors (we do not store full card numbers)
• Transaction and repayment data: purchase history, repayment schedules, payment history, and balances
• Support and communication data: support messages, appeal submissions, and communication history
• Technical and operational data: logs and usage data required for platform security and performance

3. How We Use Your Information

• Create, maintain, and secure your account
• Perform verification checks and satisfy legal/compliance obligations
• Assess eligibility, risk, and repayment behavior
• Process purchases, payments, and service delivery
• Manage repayments, overdue accounts, and authorized recovery processes
• Detect and prevent fraud, misuse, and security threats
• Support customer inquiries, appeals, and issue resolution
• Send important account, repayment, and service communications
• Improve platform reliability and user experience

4. How We Share Your Information

We only share data where reasonably necessary to operate Payemm and meet legal obligations.

• Service providers (for example identity verification and payment processing partners)
• Internal tools used for customer service, appeals, and collections workflows
• Collections and recovery partners for outstanding balances, where necessary
• Legal and regulatory authorities when required by law
• Licensed credit bureaus or data agencies, including EveryData Jamaica, where legally permitted
• Cross-border processors where safeguards are in place for data protection

5. Payment Data and Security

• Card data is securely transmitted to payment processors
• Payment data is encrypted and tokenized
• Payemm stores tokenized references, not full card details
• Tokenized methods may be used for repayments, subscriptions, fees, and authorized charges

6. Communications

By using Payemm, you agree to receive service communications via:

• Email
• SMS
• WhatsApp
• In-app notifications

7. Data Security

Payemm uses reasonable administrative, technical, and organizational safeguards to protect personal information.

No system can guarantee absolute security, and users are responsible for protecting their own account credentials and devices.

8. Data Retention

We retain information only as long as reasonably necessary for service delivery, account records, risk and fraud controls, support operations, and legal obligations.

When data is no longer required, it is securely deleted or anonymized.

9. Your Rights

Subject to applicable law, you may request to:

• Access your personal data
• Correct inaccurate or incomplete data
• Request deletion where legally permitted
• Object to certain processing activities
• Request restriction of processing where applicable

10. Changes to This Policy

We may update this policy from time to time. When material updates are made, the effective date on this page will be updated.

Continued use of Payemm after an update means you accept the revised policy.