GPay - Terms and Policy

Privacy Policy

Last Updated: 2024-01-19

GPAY ("we," "our," or "us") is dedicated to safeguarding your privacy. This Privacy Policy outlines the procedures for the collection, utilization, and disclosure of your personal information by GPAY. This Privacy Policy is applicable to our website and its affiliated subdomains (together referred to as our "Service"), including our application, GPAY. By accessing or using our Service, you acknowledge that you have reviewed, comprehended, and consent to our practices regarding the collection, storage, use, and disclosure of your personal information, as outlined in this Privacy Policy and our Terms of Service.

Definitions and Key Terms

To ensure clarity in understanding this Privacy Policy, the following terms are strictly defined as:

Cookie: A small amount of data generated by a website and stored by your web browser. It is utilized to identify your browser, provide analytics, and remember information such as your language preference or login details.

Company: When this policy mentions "Company," "we," "us," or "our," it refers to GPAY, located at RUE 93 N°59 LOT HAY CHABAB, KENITRA, responsible for your information under this Privacy Policy.

Country: The location where GPAY or the owners/founders of GPAY are based; in this case, it is Morocco. Customer: Refers to the company, organization, or individual that signs up to use the GPAY Service to manage relationships with consumers or service users.

Device: Any internet-connected device, such as a phone, tablet, computer, or other devices used to visit GPAY and utilize its services. IP Address: Every device connected to the Internet is assigned an Internet Protocol (IP) address. These numbers are typically assigned in geographic blocks and can be used to identify the location from which a device is connecting to the Internet.

Personnel: Refers to individuals employed by GPAY or under contract to perform a service on behalf of one of the parties. Personal

Data: Any information that directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person.

Service: Refers to the service provided by GPAY as described in the relative terms (if available) and on this platform.

Third-party Service: Refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we believe may interest you. Website: GPAY's site, accessible via this

URL: You: A person or entity registered with GPAY to use the Services.

You: A person or entity registered with GPAY to use the Services.

What Information Do We Collect?

We collect information from you when you visit our app, register on our site, place an order, subscribe to our newsletter, respond to a survey, or fill out a form.

Phone Numbers: We also collect information from mobile devices for a better user experience:

• App Usage or Installed Apps: App usage or installed apps help us prevent fraudulent devices and users from accessing the app. Device IDs: Android IDs and Advertising IDs help us prevent fraudulent devices and users from abusing our loyalty program.

• Location (GPS): Location data helps create an accurate representation of your interests, and this can be used to bring more targeted and relevant ads to potential customers.
• External Storage: Granting external storage permission allows the user to perform the Know Your Customer (KYC) procedures. This permission enables us to collect and send identity document pictures to third-party software for processing. The transit is secure, and the processing of those pictures is ephemeral.

How Do We Use The Information We Collect?

Any of the information we collect from you may be used in one of the following ways:

Personalization: To personalize your experience. Your information helps us better respond to your individual needs.

App Improvement: To improve our app. We continually strive to enhance our app offerings based on the information and feedback we receive from you.

Customer Service: To improve customer service. Your information helps us more effectively respond to your customer service requests and support needs. Transaction

Processing: To process transactions initiated by you.

Communication: To send periodic emails.

Fraud Prevention: App usage or installed apps help us prevent fraud.

When Does GPAY Use End User Information from Third Parties?

GPAY collects End User Data necessary to provide its services to our customers.

End users may voluntarily provide us with information they have made available on social media websites. If you provide us with any such information, we may collect publicly available information from the social media websites you have indicated. You can control how much of your information social media websites make public by visiting these websites and changing your privacy settings.

When Does GPAY Use Customer Information from Third Parties?

We receive some information from third parties when you contact us. For instance, when you submit your email address to us to express interest in becoming a GPAY customer, we receive information from a third party that provides automated fraud detection services to GPAY. Additionally, we occasionally collect information that is made publicly available on social media websites. You can control how much of your information social media websites make public by visiting these websites and changing your privacy settings.

Do We Share the Information We Collect with Third Parties?

We may share the information that we collect, both personal and non-personal, with various third parties to enhance your experience and provide our services effectively. These third parties may include:

Affiliated Companies and Business Partners: Your information may be shared with our current and future affiliated companies and business partners. In the event of a merger, asset sale, or other business reorganization, your personal and non-personal information may be shared or transferred to our successors-in-interest.

Service Providers: We engage trusted third-party service providers to perform various functions and services, such as hosting and maintaining our servers, database storage and management, email management, marketing, customer service, and order fulfillment for products and services you may purchase through the app. Your personal information, and possibly some non-personal information, may be shared with these third parties to enable them to perform these services for us and for you.

Analytics Partners and Ad Networks: Portions of our log file data, including IP addresses, may be shared with third parties such as web analytics partners, application developers, and ad networks for analytics purposes. This information may be used to estimate general location, connection speed, and the type of device used to visit the app. These third parties may aggregate information about our advertising and provide auditing, research, and reporting for us and our advertisers.

Legal Compliance and Protection: We may disclose personal and non-personal information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims, legal process (including subpoenas), protect our rights and interests or those of a third party, ensure the safety of the public or any person, prevent or stop any illegal, unethical, or legally actionable activity, or otherwise comply with applicable court orders, laws, rules, and regulations.

Where and When is Information Collected from Customers and End Users?

GPAY will collect personal information that you submit to us. We may also receive personal information about you from third parties as described above.

How Do We Use Your Email Address?

By submitting your email address on this app, you agree to receive emails from GPAY. You can cancel your participation in any of these email lists at any time by clicking on the opt-out link or other unsubscribe option included in the respective email. We only send emails to individuals who have explicitly authorized us to contact them, either directly or through a third party. We do not send unsolicited commercial emails, as we share your aversion to spam. By submitting your email address, you also consent to allowing us to use your email address for customer audience targeting on platforms such as Facebook. This enables us to display custom advertising to specific individuals who have opted-in to receive communications from us. Email addresses submitted solely through the order processing page will be used exclusively for sending information and updates related to your order. If, however, you have provided the same email through another method, we may use it for any of the purposes stated in this Policy. Note: If you wish to unsubscribe from receiving future emails at any time, detailed unsubscribe instructions are included at the bottom of each email.

How Long Do We Keep Your Information?

We retain your information only for as long as necessary to provide GPAY to you and fulfill the purposes described in this policy. The same holds true for any third party with whom we share your information and who performs services on our behalf. Once we no longer require your information and there is no necessity to retain it to comply with our legal or regulatory obligations, we will either remove it from our systems or depersonalize it, ensuring that we can no longer identify you.

How Do We Protect Your Information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers' database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) is never kept on file. We cannot, however, ensure or warrant the absolute security of any information you transmit to GPAY or guarantee that your information on the Service may not be accessed, disclosed, altered, or destroyed by a breach of any of our physical, technical, or managerial safeguard

Could my information be transferred to other countries?

GPAY is incorporated in Morocco. Information collected via our website, through direct interactions with you, or from the use of our help services may be transferred from time to time to our offices or personnel, or to third parties, located throughout the world. This information may be viewed and hosted anywhere in the world, including countries that may not have laws of general applicability regulating the use and transfer of such data. To the fullest extent allowed by applicable law, by using any of the above, you voluntarily consent to the trans-border transfer and hosting of such information.

Is the Information Collected through the GPAY Service Secure?

We take precautions to protect the security of your information. Employing physical, electronic, and managerial procedures, we strive to safeguard against unauthorized access, maintain data security, and ensure the correct use of your information. However, it's important to note that neither people nor security systems are foolproof, even those involving encryption systems. People may commit intentional crimes, make mistakes, or fail to follow policies. While we exert reasonable efforts to protect your personal information, we cannot guarantee its absolute security. In the event that applicable law imposes any non-disclaimable duty to protect your personal information, you agree that intentional misconduct will be the standard used to measure our compliance with that duty.

Can I update or correct my information?

The rights you have to request updates or corrections to the information GPAY collects depend on your relationship with GPAY. Personnel may update or correct their information as detailed in our internal company employment policies. Customers have the right to request the restriction of certain uses and disclosures of personally identifiable information as follows. You can contact us to: (1) Update or correct your personally identifiable information. (2) Change your preferences with respect to communications and other information you receive from us. (3) Delete the personally identifiable information maintained about you on our systems (subject to the following paragraph) by canceling your account. Such updates, corrections, changes, and deletions will have no effect on other information that we maintain or information that we have provided to third parties in accordance with this Privacy Policy prior to such update, correction, change, or deletion. To protect your privacy and security, we may take reasonable steps (such as requesting a unique password) to verify your identity before granting you profile access or making corrections. You are responsible for maintaining the secrecy of your unique password and account information at all times. You should be aware that it is not technologically possible to remove each and every record of the information you have provided to us from our system. The need to back up our systems to protect information from inadvertent loss means that a copy of your information may exist in a non-erasable form that will be difficult or impossible for us to locate. Promptly after receiving your request, all personal information stored in databases we actively use, and other readily searchable media will be updated, corrected, changed, or deleted, as appropriate, as soon as and to the extent reasonably and technically practicable. If you are an end user and wish to update, delete, or receive any information we have about you, you may do so by contacting the organization of which you are a customer.

Personnel

If you are a GPAY worker or applicant, we collect information you voluntarily provide to us. We use the information collected for Human Resources purposes to administer benefits to workers and screen applicants. You may contact us in order to: (1) Update or correct your information, (2) Change your preferences with respect to communications and other information you receive from us, or (3) Receive a record of the information we have relating to you. Such updates, corrections, changes, and deletions will have no effect on other information that we maintain or information that we have provided to third parties in accordance with this Privacy Policy prior to such update, correction, change, or deletion.

Sale of Business

We reserve the right to transfer information to a third party in the event of a sale, merger, or other transfer of all or substantially all of the assets of GPAY or any of its Corporate Affiliates (as defined herein), or that portion of GPAY or any of its Corporate Affiliates to which the Service relates. This also applies in the event that we discontinue our business or file a petition, or have filed against us a petition in bankruptcy, reorganization, or similar proceeding, provided that the third party agrees to adhere to the terms of this Privacy Policy.

Affiliates

We may disclose information (including personal information) about you to our Corporate Affiliates. For purposes of this Privacy Policy, "Corporate Affiliate" means any person or entity that directly or indirectly controls, is controlled by, or is under common control with GPAY, whether by ownership or otherwise. Any information relating to you that we provide to our Corporate Affiliates will be treated by those Corporate Affiliates in accordance with the terms of this Privacy Policy.

Governing Law

This Privacy Policy is governed by the laws of Morocco without regard to its conflict of laws provisions. You consent to the exclusive jurisdiction of the courts in connection with any action or dispute arising between the parties under or in connection with this Privacy Policy, except for those individuals who may have rights to make claims under Privacy Shield or the Swiss-US framework. The laws of Morocco, excluding its conflicts of law rules, shall govern this Agreement and your use of the app. Your use of the app may also be subject to other local, state, national, or international laws. By using GPAY or contacting us directly, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy Policy, you should not engage with our website or use our services. Continued use of the website, direct engagement with us, or following the posting of changes to this Privacy Policy that do not significantly affect the use or disclosure of your personal information will mean that you accept those changes.

Your Consent

We have revised our Privacy Policy to offer you full transparency regarding what is set when you visit our site and how it is utilized. By using our app, registering an account, or making a purchase, you hereby consent to our Privacy Policy and agree to its terms.

Links to Other Websites

This Privacy Policy applies solely to the Services. The Services may include links to other websites not operated or controlled by GPAY. We do not assume responsibility for the content, accuracy, or opinions expressed on such websites, and they are not investigated, monitored, or checked for accuracy or completeness by us. Please be aware that when you use a link to navigate from the Services to another website, our Privacy Policy is no longer applicable. Your browsing and interaction on any other website, including those linked on our platform, are subject to that website’s individual rules and policies. Such third parties may employ their own cookies or other methods to collect information about you.

Cookies

GPAY uses 'Cookies' to identify the areas of our website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We utilize Cookies to enhance the performance and functionality of our app, but they are non-essential to its use. However, without these cookies, certain functionalities like videos may become unavailable, or you would be required to enter your login details every time you visit the app, as we would not be able to remember that you had logged in previously. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our website correctly or at all. We never place Personally Identifiable Information in Cookies.

Blocking and disabling cookies and similar technologies

Regardless of your location, you have the option to configure your browser settings to block cookies and similar technologies. However, please be aware that taking this action may block our essential cookies and impede the proper functioning of our website. As a result, you may not be able to fully utilize all of its features and services. Additionally, blocking cookies on your browser may result in the loss of some saved information (e.g., saved login details, site preferences). It's important to note that disabling a cookie or category of cookie does not automatically delete the cookie from your browser; you will need to perform this action yourself from within your browser. For more information, refer to your browser's help menu.

Remarketing Services

We utilize remarketing services. Remarketing, also known as retargeting, in digital marketing involves displaying ads across the internet to individuals who have previously visited your website. This strategy enables your company to create a presence that appears to 'follow' individuals as they browse the internet, displaying ads on the websites and platforms they frequent the most.

Kids' Privacy

We collect information from kids under the age of 13 just to better our services. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data without your permission, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

Changes To Our Privacy Policy

We reserve the right to modify our Service and policies, which may necessitate changes to this Privacy Policy to accurately align with our Service and policies. Unless otherwise mandated by law, we will inform you of any changes to this Privacy Policy, providing notification (for example, through our Service) before the modifications take effect. This will give you an opportunity to review the updates before they become applicable. If you choose to continue using the Service after the changes, you will be bound by the revised Privacy Policy. If you do not wish to agree to this or any updated Privacy Policy, you have the option to delete your account.

Third-Party Services

We may display, include, or make available third-party content (including data, information, applications, and other products/services) or provide links to third-party websites or services ('Third-Party Services'). You acknowledge and agree that GPAY shall not be responsible for any Third-Party Services, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality, or any other aspect thereof. GPAY does not assume and shall not have any liability or responsibility to you or any other person or entity for any Third-Party Services. Third-Party Services and links thereto are provided solely as a convenience to you, and you access and use them entirely at your own risk and subject to such third parties' terms and conditions.

Information about General Data Protection Regulation (GDPR)

We may be collecting and using information from you if you are from the European Economic Area (EEA), and in this section of our Privacy Policy we are going to explain exactly how and why is this data collected, and how we maintain this data under protection from being replicated or used in the wrong way.

Conditions générales d'utilisation

These General Terms of Use (hereinafter referred to as 'Terms and Policy') aim to determine the rules for using the Gpay application, which includes both mobile and web platforms (hereinafter 'Gpay'). Access to Gpay, the Content, and the Operations, as well as their use, are subject to the unconditional acceptance of the Terms by the User. In case you do not wish to accept these Terms or if you have reservations, you should not click on the box that follows: 'I accept the Terms and Policy.' Any use of Gpay must comply with these Terms. The Terms represent the entire agreement between Gpay and the User, applicable to the use of Gpay.

Article 1. Definitions

Gpay: Refers to the mobile and web application designed to enable manufacturers of fast-moving consumer goods to implement loyalty programs. Users can take advantage of loyalty programs, purchase , and transfer them to fellow application users. Developed and provided by Gpay, the application is available for free download on Google Play Store and the web. Gpay encompasses content, software, programs, databases, operating systems, and all other elements and services that compose it, along with any updates and new versions introduced by Gpay. Content: Encompasses, in a non-exhaustive manner, acronyms, images, the application's structure, illustrations, trade names, audiovisual works, multimedia works, visual content, audio content, and any other content within the Gpay application.

API: Stands for the computer protocol enabling users to make deposits or withdrawals in the partner cash network through the application.

Gpay Account: The account opened with Gpay via the Gpay application. User: Any person who has accepted the terms and conditions.

Operations: Denotes the various transactions and services offered by the Gpay application.

Article 2. Intellectual Property of Gpay

Gpay exclusively owns all intellectual property rights related to Gpay and its Content. Without prejudicing the provisions of Article 2, none of the stipulations of the Terms and Conditions can be construed as an assignment, transfer, sale, concession, license, loan, lease, or authorization to operate granted directly or indirectly by Gpay to the User on Gpay, its Content, and/or the Operations.

Article 3. License of Use

Gpay grants the User a personal, non-exclusive, revocable, non-transferable, and free right to use Gpay, Content, and Operations solely for their own needs within the framework of using Gpay, excluding any other purpose. Accessing and/or using the source codes of Gpay and/or its software components is strictly prohibited. The User acquires no intellectual property rights over Gpay, Content, and/or Operations, nor any other rights granted by these Terms and Conditions. This license confers no right for the User to use the Content, and they undertake not to reproduce, represent, adapt, and/or exploit the Content outside the cases provided for in these Terms and Conditions.

Article 4. Access to Gpay

To subscribe to Gpay, the user must have , a mobile phone number, and internet access. For the opening of a Gpay Account: Enter the phone number Choose an "Access Code" or "Password" Accept the Terms and Conditions Following account activation, the user can conduct transactions online. To have the necessary balance, the user can deposit money on the "BMCE BANK" or receive funds from another user. Transactions are possible only with the required balance.

Article 5. Financial Conditions

The Gpay mobile application is provided to users free of charge. Users have the opportunity to receive cashbacks when using this application. The conditions for granting these cashbacks may vary depending on the user's access level. The nature of these cashbacks may also differ based on the user's access level and the decisions of Gpay. For an average user, cashbacks are received after purchasing one or more products from a grocer who uses the Gpay application. For grocers, cashbacks are sent after selling several products that are part of the loyalty program to various customers. For sales representatives of partners in the retail industry, cashbacks are sent after the grocer sells the products to end consumers, which were initially sold to the grocer by a sales representative. These conditions, as well as the amounts and nature of cashbacks, are at the discretion of Gpay and may evolve over time.

Article 6. Obligations of Gpay

* Availability of the Application:

Ensure the fast and efficient operation of the application's features Continuously improve the features of the application These obligations are incumbent upon Gpay within the framework of non-fraudulent use of the application. Any fraudulent use of the application, especially in the case of false purchases with the intention of claiming discounts, will result in the termination of the user license agreement.

Article 7. User's Obligations

The User agrees to use the application in a non-fraudulent manner and undertakes not to carry out fictitious transactions with the aim of claiming discounts. In the event that a user engages in fraudulent transactions, Gpay reserves the right to block their Gpay user account. The User must keep the same phone number used during the opening of their user account; any change in phone number must be notified to Gpay.

Article 8. Security

It is the responsibility of the Account Holder to adequately protect their mobile device, safeguard their data, and take reasonable and appropriate precautions to detect viruses, spam, and other destructive elements. Gpay cannot be held responsible for any losses that the Account Holder may incur due to any of the events mentioned above. All operations performed by the Account Holder via the Gpay application, authenticated through the Firebase authentication process, are considered to be carried out by the Account Holder. The Account Holder expressly accepts this and commits not to dispute it. Gpay's liability cannot be sought in case of: Fraudulent or abusive use. Indirect damages resulting from the use of the Gpay application. Temporary or total unavailability of all or part of the access to the Gpay application in case of force majeure or any performance failure. The Account Holder is responsible for the damages and costs resulting from their use of the application, in case of incorrect information provided by them or non-compliance with these provisions, as well as any infringement of intellectual property rights, and more generally, the rights of third parties. They must also take all necessary precautions to preserve the confidentiality of access to their mobile phone. The joint use of the identifier (phone number) and the SMS containing a one-time-use code serves as proof of the customer's identity. As soon as the Account Holder notices the loss or theft of their phone or suspects fraudulent use of their Gpay Account, the Account Holder must immediately report it to Gpay.

Article 9. Protection of Personal Data

The purpose of processing and recording the information collected by Gpay, as the data controller, via Gpay is to carry out the operations defined in Article 1 of these Terms and Conditions. The Account Holder gives consent to Gpay to process their collected personal data and undertakes to communicate only accurate and relevant information.

They will inform Gpay of any changes to this information, including their mobile phone number. The Account Holder accepts that personal data concerning them may be communicated and shared for the same purposes with its partners, subcontractors, and service providers to the extent necessary to perform the tasks entrusted to them. Therefore, they will not be made available to third parties.

These personal data may be communicated to official bodies and administrative or judicial authorities if they make such a request. These personal data may be communicated to the professionals to whom Gpay is obligated.

In case the account holder wishes to permanently stop using Gpay, they must inform the company by sending an email to [email protected]. Upon receipt of this email, Gpay undertakes to delete the user's data within 60 days. Otherwise, the user's information will be kept in accordance with applicable regulations for future use by the account holder.

Gpay is in the process of obtaining authorization to collect personal data from the National Commission for the Control of Personal Data Protection. Upon obtaining them, these Terms and Conditions will be updated and will include the registration number of the National Commission for the Control of Personal Data Protection. Through this form, Gpay collects your personal data to identify you during the operation of the application and possibly prevent potential cases of fraud.

This processing has been the subject of a declaration/authorization request to the CNDP under the number (we are in the process of obtaining the authorization number). The personal data collected may be transmitted to [email protected], the technical director of Gpay, located in Morocco, in accordance with the transfer request submitted to the CNDP.

Article 10. Modifications and Evolution of the Terms and Conditions

The applicable Terms and Conditions (CGU) are those in force on the date of the account holder's connection and use of Gpay. Gpay reserves the right to modify, at any time, all or part of the provisions of the CGU to adapt them to changes in operations, technical developments, legal or jurisprudential developments, or when implementing new operations. Any modifications made by Gpay to the CGU will be brought to the attention of the account holders either through a pop-up when opening the application or via email, subject to acceptance by the account holder. Gpay, therefore, encourages all account holders to regularly check the CGU.

their own cookies or other methods to collect information about you.

Article 11. Application Availability

GPAY commits to securing access, consultation, and usage of transactions made through the GPAY application. The GPAY application is accessible 24 hours a day, 7 days a week, except in cases of force majeure or events beyond the control of GPAY, and subject to any necessary breakdowns and maintenance interventions required for the proper functioning of GPAY. Maintenance interventions may be performed without prior notice to the Account Holders. However, GPAY undertakes to inform its Account Holders in case of a breakdown or unavailability of the service by displaying informative messages on the GPAY application.

Article 12. Contact

The Account Holder can contact GPAY for any questions related to the GPAY application and/or Operations through the following channels:

- Send a message via the GPAY application.

- Send an email to [email protected].

Article 13. Applicable Law and Dispute

Resolution These general terms of use are subject, for their interpretation and execution, to Moroccan law. In the event of a dispute between GPAY and a user of the GPAY application, the user agrees to contact GPAY to seek an amicable solution. Any dispute or disagreement related to the execution or interpretation of these terms and conditions that could not be resolved amicably between the parties within a period of thirty (30) days from its occurrence will be submitted to the competent courts.