Privacy Policy

Ujumbe Pay is operated by Ujumbe Global Company Limited ("Ujumbe", "we", "us"). This policy explains how we collect, use, store and share information when you visit our website, open a merchant account, use our payment APIs, WhatsApp Pay, payment links, invoices or any other service we provide (the "Services").

1. Information we collect

• Account information: business name, registration details, contact name, email address, phone number, website and trading address.
• Identity and verification documents: government-issued IDs, business licences, tax certificates, bank details and other Know-Your-Business (KYB) documents required to comply with regulation and to enable settlement.
• Transaction data: payment amounts, references, currency, payer contact details, channel, timestamps, status and any associated fees or settlements.
• Technical data: IP address, browser type, device information, cookies and similar identifiers used to secure your account and improve the Services.
• Communication data: emails, support chats, WhatsApp messages and calls with our team.

2. How we use information

• Provide, operate and improve the payment orchestration platform.
• Verify merchant identity, prevent fraud and meet legal obligations.
• Process payments, calculate fees, maintain the ledger and settle merchants.
• Send receipts, settlement notices, service updates and security alerts.
• Respond to support requests and enforce our Terms of Service.

3. Sharing information

We do not sell personal information. We share data only with:

• Payment providers and banks needed to process a transaction.
• Regulators, law enforcement or courts when required by law.
• Trusted service providers who help us host, secure, analyse or communicate on our behalf.

4. Data security

We use encryption, access controls, audit logging and secure infrastructure to protect your data. All payment credentials are stored as hashes or tokens; we never store raw payer PINs or mobile-money passwords.

5. Retention

We keep account and transaction data for as long as your account is active and for the period required by Tanzanian tax, financial and anti-money-laundering laws, after which it is securely deleted or anonymised.

6. Cookies and tracking

We use essential cookies for authentication and security, and analytics cookies to understand how the platform is used. You can disable non-essential cookies in your browser settings.

7. Your rights

You may access, correct, export or delete your personal information, and object to certain processing. Contact us using the details below. Some requests may be limited by legal or regulatory requirements.

8. Changes to this policy

We may update this policy as laws or our Services change. The latest version is always available at ujumbepay.com/privacy-policy.

9. Contact us

For privacy questions, data requests or complaints, email us at legal@ujumbepay.com.