Privacy Policy
Effective Date: April 2025
Powered by Ghouer (Pty) Ltd, South Africa
At Pay-Yay, we are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website, services, or interact with us.
By using Pay-Yay, you agree to the terms of this Privacy Policy.
- Who We Are
Pay-Yay is a payment request platform operated by Ghouer (Pty) Ltd, a company registered in South Africa.
Email: info@ghouer.co.za
Phone: 068 625 0592
Physical Address: South Africa
- Information We Collect
We collect personal information to provide and improve our services. This includes:
Information You Provide to Us
Name and surname
Business or company name
Email address
Mobile number
Billing and payment information
Usernames and login credentials
Information Collected Automatically
IP address
Browser type and device information
Usage data (e.g., when and how you use Pay-Yay)
Cookies and tracking technologies
Third-Party Data
We may receive information from payment gateways and communication platforms (like WhatsApp) to provide our services.
- How We Use Your Information
We use your personal information for the following purposes:
To create and manage your Pay-Yay account
To send payment requests via WhatsApp and/or email
To process transactions via third-party payment processors
To provide customer support
To improve our services and user experience
To send you important service notifications
To comply with legal and regulatory obligations
- How We Share Your Information
We will never sell your personal data. We may share it only:
With service providers (e.g., payment gateways, hosting providers) under strict confidentiality agreements
With law enforcement or regulators if legally required
With your consent or at your request
- Data Retention
We retain your personal information for as long as your account is active or as needed to:
Fulfill the purposes outlined in this policy
Comply with legal obligations
Resolve disputes
Enforce agreements
- Security of Your Information
We implement appropriate technical and organizational security measures to protect your personal data. While we use secure payment gateways and encrypted communications, no method of transmission is 100% secure.
You are responsible for keeping your login details safe and secure.
- Your Rights (POPIA Compliance)
Under the Protection of Personal Information Act (POPIA), you have the right to:
Access and request a copy of your personal data
Correct or update your information
Object to processing or request deletion of your data
Lodge a complaint with the Information Regulator of South Africa
To exercise your rights, email info@ghouer.co.za.
- Cookies and Tracking
Our website may use cookies to:
Maintain your session
Analyze site usage and improve performance
Remember your preferences
You may disable cookies in your browser settings, but some features may not work as intended.
- International Data Transfers
While our services are intended primarily for South African users, some data may be stored or processed outside of South Africa. We ensure that any such transfers comply with applicable data protection laws.
- Changes to This Privacy Policy
We may update this Privacy Policy from time to time. All changes will be posted on our website with a revised “Effective Date.” Your continued use of Pay-Yay after changes means you accept the revised policy.
- Contact Us
If you have any questions, requests, or concerns about this Privacy Policy, please contact us:
info@ghouer.co.za
068 625 0592
