We, INTERPAY SAL, a joint-stock company validly existing under the laws of the Republic of Lebanon (“we”, “us”, “our” or “Interpay”), take your privacy very seriously and are fully committed to protecting it. As a user of our mojo. Platform, you may be referred to as “you”, “yours” or “User”. We believe that you should know what personal data we collect and use, as well as understand your rights in respect of your personal data.
This Privacy Policy describes how your personal information is collected, used, and shared when you visit or when you register on the mojo. Platform (the “Privacy Policy”).
We urge you to read this Privacy Policy and our Terms carefully before accessing or using the mojo. Platform. By downloading, accessing, or using any part of the mojo. Platform or registering for an Account through it, you are using our services and/or any kind of functionality offered on the mojo. Platform (the “Services”); you are agreeing to be bound by this Privacy Policy. This Privacy Policy applies to all Account holders on the mojo.Platform regardless of how it is accessed, whether through a mobile application or any other means.
Capitalized terms used but not defined herein shall have the meanings ascribed to them in our Terms.
Furthermore, the mojo. Platform is not intended for use by minors, and we do not knowingly collect or store data relating to individuals under the age of 18.
When you create an Account or make a transaction or attempt to make a transaction through the mojo. Platform, we collect certain personal information from you. This information may include your identity, address, occupation, income details, contact details, device information, payment information and other information that we may deem necessary to render the services sought (“Personal Data”). Please note that your Personal Data is required in order to complete your Account registration.
CHANGES
We may amend the provisions of this Privacy Policy at any time. Should we do so, we will notify you by various methods through the mojo. Platform or we may even send you an e-mail notice when the change in question is relevant to your privacy, to enable you to review the changes and assess them. To stay informed about any updates or revisions, we recommend that you periodically review this Privacy Policy.
CONTACT US
For more information about this Privacy Policy or inquiries regarding our privacy practices please contact our call centre at (24) 522720/721 where our agents will be ready to assist you at any time, or by email at mojo@mojo.com.lb.
GDPR COMPLIANT
The General Data Protection Regulation or “GDPR” is a European privacy and data protection law. Under the GDPR, residents of the EU may exercise certain rights regarding their personal data.
We remain compliant with the European data protection laws to ensure the protection of your personal data.
PERSONAL INFORMATION WE COLLECT
| Type of Personal Data | Details |
| Information you give us | We will collect the information you provide through the mojo. Platform including: Identification documents and images, which includes copies of your identification documents as well as your image in photo or video form, as part of our Know-Your-Customer (KYC) checks, and any other information we ask you to give to comply with anti-money laundering laws, combat terrorist financing, and assist with fraud monitoring. Identity and contact information, which includes your name, surname, father’s name, mother’s name, date of birth, username or similar identifier, phone number, email address, residency address, etc. This information is collected to register you on the mojo. Platform and provide you access to your Account and the Services. |
| Information collected from your use of the mojo. Platform and our Services | Financial and transaction information, which includes your payment details and transaction information related to activities conducted through the mojo. Platform. This includes the date, time, amount, currencies, exchange rate, beneficiary details, information about the Merchants involved in the Transactions, IP addresses of the sender and receiver, details of device used to initiate the payment, and the payment method used. This information is collected to facilitate and process Transactions. Technical information, which includes device identification number, IP address, device type, time zone setting, geographical location, operating system etc. to meet requests, enhance our Services and safeguard the security of the mojo. Platform. Commercial information about your mojo. Platform visit, including the links you clicked on, through and from our website or application, services you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (e.g., scrolling and clicks), methods used to navigate away from the page, as well as information about your tastes and preferences for marketing purposes and to use data analytic to improve the mojo. Platform and our customer services. |
| Information collected from third parties and public sources | Third-party information we collect personal data from entities who provide services through the mojo. Platform such as Merchants and Agents, and other entities and partners involved to help us provide our Services. |
HOW WE USE YOUR PERSONAL INFORMATION
We will handle your Personal Data in accordance with the Applicable Laws ensuring its proper use in the following circumstances:
– Fulfilling our contractual obligations: We will process your Personal Data to honour the agreements and contracts we have with you.
– Marketing and promotional purposes: we may also use your Personal Data for marketing and promotional purposes, this includes providing you with information about our products, services, promotions, special offers, and updates that we believe may be of interest to you.
– Providing our Services: In order to deliver our Services effectively, there may be instances where we require certain Personal Data without which we would be unable to fulfil your requests.
– Compliance with legal obligations: We have a legal duty to retain certain information even after you have requested its deletion. However, we will only retain the necessary data to meet our legal or regulatory requirements, resolve disputes, prevent fraud and abuse, or enforce our Terms.
– Legitimate interests: We may process your Personal Data when it aligns with our legitimate interests or those of a third party, ensuring that any such processing is balanced, reasonable, and respects your privacy rights.
– Substantial public interest: In specific cases where there is a substantial public interest, we may process your Personal Data.
– Consent: Where you have provided your consent for the collection of your Personal Data, we will process it in accordance with the scope of your consent.
WHERE WE STORE YOUR PERSONAL DATA
We may store your Personal Data outside of Lebanon, on a European based secured cloud. When we do this, we make sure that your data is protected in the most secure way and that the country and organisation where is it stored provides an adequate level of protection for personal data in line with Lebanon’s requirements.
DISCLOSURE OF YOUR PERSONAL INFORMATION
To achieve the purposes mentioned in this Privacy Policy, we might grant access to some of your Personal Data to third parties that offer services through the mojo. Platform or to third parties that provide us with support in the Services we offer you. These third parties include:
– Merchants;
– Agents;
– financial institutions;
– anti-fraud detection and prevention entities, public authorities, law enforcement agencies, or courts;
– technological and analytical service providers;
– providers of customer support related services;
– service providers and collaborators related to marketing and publicity, such as advertising agencies, advertising partners or social media outlets;
– other third parties when you consent to such sharing.
Furthermore, it is possible that we may enter into transactions such as selling, transferring, or merging parts of our business or assets with third parties. Similarly, we may also consider acquiring other businesses or merging with them. In the event of such changes to our business structure, the new owners may utilize your Personal Data in the same manner as described in this Privacy Policy.
We hold a firm commitment to safeguarding the security and legality of your Personal Data, even when shared with third parties. We require that all third-party service providers respect the confidentiality and integrity of your Personal Data, handling it in strict accordance with the Applicable Laws.
THIRD-PARTY CONTENT, FUNCTIONALITY, AND SERVICES
Some of the content, functionality, and services on the mojo. Platform, such as advertisements or embedded features, may be provided by third parties that are not affiliated with us. These third parties may collect or receive certain information about your use of the Services, including through the use of cookies, web beacons, and similar technologies. These entities may collect this information over time and combine it with information collected from different websites and online services. We are not responsible for the privacy practices of these entities.
DATA RETENTION
We will retain your Personal Data for as long as your Account is active or as needed to provide you with our Services, to fulfil the purposes for which it was collected and processed. This includes complying with our legal and statutory obligations, as well as accounting and reporting requirements.
To determine the appropriate retention period for your Personal Data, we will consider the amount, nature, and sensitivity of the Personal Data, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process your Personal Data and whether we can achieve those purposes through other means, and the applicable legal requirements.
In certain instances, such as in the case of a complaint or if there is a reasonable anticipation of litigation related to our relationship with you, we may retain your Personal Data for an extended period. Therefore, even after closing your Account, we will retain certain Personal Data to comply with these obligations.
Additionally, there may be instances where we anonymize your Personal Data, rendering it no longer identifiable to you. In such cases, we may use the anonymized information indefinitely without further notice to you.
If you would like specific details regarding the retention periods for different aspects of your Personal Data, please contact us, and we will provide the necessary information.
DATA ACCURACY AND RECTIFCATION
In adherence to applicable data protection laws, we are committed to ensuring the accuracy and integrity of the Personal Data we process, and, where necessary, keeping it up-to-date. If we become aware that the Personal Data we hold is inaccurate, we take immediate steps to rectify or erase it without delay. This includes instances where errors are made or typos are found, especially when we find discrepancies between the information you provided and the details in the documents you submitted, such as your passport or identity card.
YOUR RIGHTS
We undertake to keep your Personal Data confidential and to use it for the purposes set out in this Privacy Policy as amended from time to time.
In addition, we may offer you the possibility to exercise your rights and setting your privacy preferences when using some of our services or visiting the mojo. Platform.
In particular, notwithstanding the purpose or legal basis we use to process your Personal Data, and to the extent provided by law, you are entitled to the following:
– To have access to the Personal Data we collected from you.
– To request us to rectify the Personal Data that we have available. This allows you to request corrections to any incomplete or inaccurate data we have in our records pertaining to you. We may require verification of the accuracy of any new data you provide to us in order to facilitate the necessary corrections. Please bear in mind that you shall be liable for any loss or damage caused to Interpay or to any third party by providing erroneous, inaccurate or incomplete information.
– To request from us the deletion of your Personal Data to the extent that they are no longer necessary for the purpose for which we need to keep processing them, as explained herein, or when we are no longer legally permitted to process them. However, we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
– To object to or restrict the processing of your Personal Data when we rely on legitimate interests (or the legitimate interests of a third party) and there are specific circumstances in which you believe that such processing infringes upon your fundamental rights and freedoms. Additionally, you have the right to object to the processing of your Personal Data for direct marketing purposes. However, it is important to note that there may be cases where we can demonstrate compelling legitimate grounds to continue processing your information. We will assess each objection on a case-by-case basis, taking into account the specific circumstances and applicable legal requirements.
If you have given us your consent to process your Personal Data for any purpose, you also have the right to withdraw such consent at any time. However, if you withdraw your consent, we may not be able to provide certain services to you. We will advise you if this is the cases at the time you withdraw your consent.
If you wish to exercise any of the rights set out above, please contact us.
DATA SECURITY
We have implemented comprehensive security measures to protect your Personal Data from accidental loss, unauthorized access, alteration, or disclosure. Moreover, we restrict access to your Personal Data to only those employees, contractors, and third parties who require it for legitimate business purposes. They will handle your Personal Data strictly according to our instructions and are bound by confidentiality obligations.
In the event of any suspected Personal Data breach, we promptly address the situation and, where legally mandated, notify you and the relevant regulatory authorities of the breach. We take our responsibility to uphold data protection seriously and ensure compliance with the Applicable Law.
While we strive to protect the information we maintain, it is important to note that no method of data transmission or storage is 100% secure. Despite our efforts, we cannot ensure or warrant the security of any information that you transmit to us or that is stored on our systems. However, we continuously review and update our security measures to adapt to emerging threats and technological advancements.
COOKIES
Cookies are small text files that are saved to a computer, tablet, smartphone, or similar device when someone visits a website, an application, or other online services. Their primary purpose is to recognize users when they revisit the same website or application, allowing for the retention of login details and behavioural information.
We and the third parties that provide content, functionality, or business services on the mojo. Platform may use cookies to collect information about your activities. This information is used to provide you with more relevant content and promotional materials and help us understand your interests and improve the mojo. Platform.
It is important to be aware that the mojo. Platform utilizes persistent cookies to retain User confirmation of the Privacy Policy. Nevertheless, your consent will be required before employing cookies. You have the option to decline the use of cookies; however, doing so may result in restricted access to the mojo. Platform.
OPTING OUT
You can ask us to stop sending you marketing messages at any time by contacting us at the following email address: mojo@mojo.com.lb.