Privacy Policy

1. Introduction

DeferPay ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our e-commerce platform and services.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

• Name and contact information (email, phone number)
• Billing and shipping addresses
• Payment information (processed securely through third-party providers)
• Account credentials (username, password)
• Purchase history and preferences

2.2 Automatically Collected Information

• IP address and device information
• Browser type and version
• Pages visited and time spent on our website
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information for the following purposes:

• Processing and fulfilling your orders
• Managing your account and providing customer support
• Processing payments and managing payment plans
• Sending order confirmations and updates
• Improving our website and services
• Sending promotional emails (with your consent)
• Preventing fraud and ensuring security
• Complying with legal obligations

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 Service Providers

• Payment processors (Paystack, mobile money providers)
• Shipping and delivery companies
• Email service providers
• Website hosting and analytics services

4.2 Legal Requirements

• When required by law or legal process
• To protect our rights and property
• To prevent fraud or illegal activities
• In connection with business transfers or mergers

5. Data Security

We implement appropriate security measures to protect your information:

• SSL encryption for data transmission
• Secure payment processing through certified providers
• Regular security audits and updates
• Access controls and employee training
• Data backup and recovery procedures

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and recommendations
• Enable shopping cart functionality
• Prevent fraud and improve security

7. Your Rights and Choices

You have the following rights regarding your personal information:

• Access and review your personal information
• Update or correct inaccurate information
• Delete your account and personal information
• Opt-out of marketing communications
• Disable cookies through your browser settings
• Request a copy of your data

8. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Account information is typically retained for 7 years after account closure for legal and business purposes.

9. Children's Privacy

Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

10. International Data Transfers

Your information may be transferred to and processed in countries other than Ghana. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the "Last updated" date.

12. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

• Email: privacy@deferpaygh.com
• Phone: +233557314330
• Address: Accra, Ghana