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Effective Date: [10-02-2023]
We at Arifpay are committed to protecting our customer’s personal information and /or sensitive personal data and strive to maintain the privacy of your personal information we collect from you from your visits to the ARIFPAY website, Web Application and Mobile Application.

  • Personal Disclosures
    Personal information is any information that can be used by itself to uniquely identify, contact, or locate a person, or can be used with information available from other sources to uniquely identify an individual

  • Information Collection and Use
    For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to Name, e-mail address, Identification Documents, Phone number, Contacts List, Location, Date of Birth, Gender, profile picture. The information that we request will be retained by us and used as described in this privacy policy.

  • Sensitive Disclosures
    For a better experience, while using our Service, we may require access to certain personally identifiable information including but not limited to; your phonebook, contacts list camera, location and gallery. The information that we request will be retained on your device and used as described in this privacy policy.

    We receive, transmit, process and store user information to only the listed Arifpay domains. These include arifpay.net, arifpay.org. ARIFPAY is not responsible for the privacy policies and/or practices on other sites or applications. The app does use third-party services that may collect information used to identify you. Link to the privacy policy of third-party service providers used by the app.

    If you choose not to provide personal information, we may not be able to provide you with requested products, services or information.

  • ARIFPAY way of Using Information
    We receive and store information for a variety of regulatory and business purposes.

    How is Your Information Used?
    Examples of how we use the information we collect include:
  1. Processing your application and verifying your identity.
  2. Processing, fulfilling and notifying you of your product order status.
  3. Developing Team organization/ friend Reports or other related business reports.
  4. Administering users’ benefits.
  5. Developing and implementing policies, marketing plans, and strategies.
  6. Publishing personal information in the company’s’ newsletters, promotional materials and company and intra-group communications.
  7. To respond to your request for service or assistance and communication purposes on updates.
  8. To improve our Services, to analyze trends, to administer the Services, to track users’ movements around the Service and to gather demographic information about our user base as a whole.
  9. Besides, user preferences and settings (time zone, language, privacy preferences, product preferences, etc.) may be collected to enhance the Service
  10. To complete transactions effectively.
  • Except as otherwise described in this Privacy Policy, ARIFPAY will not disclose personal information to any third party unless we believe that disclosure is necessary
  1. To conform to legal requirements or to respond to a subpoena ( court order), search warrant or other legal process received by ARIFPAY, whether or not a response is required by applicable law;
  2. To enforce the Agency Agreement or to protect our rights; or
  3. To protect the safety of members of the public and users of the service.
  4. To transfer personal information to a successor in interest that acquires rights to that information as a result of the sale of ARIFPAY or substantially all of its assets to that successor in interest.
  5. To help us provide superior service, your personal information may be shared with ARIFPAY entities who will safeguard it in accordance with ARIFPAY Privacy Policy.
  6. User’s full names may be revealed by the Company to other Users if the profile option to disclose this information was selected. You Can Request Access to Your Personal Information
  • Right to Access Personal Information and Updating
    You have the right to access the personal information which we have about you and to request that personal information which you believe to be inaccurate to be corrected. If you wish to access your personal information you should contact Arifpay to assist you.

  • Geo-location-Information
    While the ARIFPAY website, Web Application and Mobile Application are in use, we may keep track of user’s device’s geographic location so that we can connect users to other ARIFPAY services based on their particular geographic location.

  • Use of Cookies
    Arifpay may use cookies to store visitors’ preferences and to record session information for purposes including; ensuring that visitors are not repeatedly offered the same promotions, to customize newsletter and Web page content based on browser type and user profile information, to help track usage to help us understand which parts of our website are the most popular, where our visitors are going and how much time they spend there, to make usage of our website even more rewarding as well as to study the effectiveness of our user communications and to customize each visitor’s experience and provide greater convenience.

    To keep track of your shopping cart status. To allow you to use all password-protected services in a single session without having to re-enter your password, and to track your site of origin.

  • Arifpay Domains
    We receive, transmit, process and store user information to only the listed Arifpay domains. These include Arifpay.net , Arifpay.org. ARIFPAY is not responsible for the privacy policies and/or practices on other sites or applications.

  • Links to other sites
    ARIFPAY may contain links to third-party sites. ARIFPAY is not responsible for the privacy policies and/or practices on other sites or applications. When connecting to or linking to another site, a user should read the privacy policy stated on those sites to determine how proprietors of those sites will treat your personal information. Our privacy policy only governs information collected by ARIFPAY.

  • Profiles, Message Boards and Public Forums
    Please be aware that whenever you voluntarily post information to your Profiles, message boards or any other public forum, that information can be accessed by the public. ARIFPAY is not responsible for the personally identifiable information you choose to submit on ARIFPAY public forum therefore, use your utmost discretion before you post any personal information online.

  • Security
    We have implemented the necessary security measures in place to protect against the loss, misuse and alteration of the information you provide. When you give us personal information, such as name, address, or social security number, you are automatically on our secure server. Our secure server software encrypts the information you input before it is sent to us to protect your data against unauthorized access. ARIFPAY cannot guarantee the security of user account information. Unauthorized entry or use, hardware or software failure, and other factors may compromise the security of member information at any time. Users are urged to also take precautions to protect their personal data by changing passwords often using a combination of letters and numbers and using a secure web browser. You should always log out of the Web site or application before leaving it to prevent access to your information from subsequent users of that computer or device.

    The Company does not link the information we store in cookies to any user-submitted personal information such as name, mailing address, email address, telephone number and age. You may be able to configure your browser to accept or reject all or some cookies, or notify you when a cookie is set — each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences — however, you must enable cookies from ARIFPAY to use most functions on the site. Please note that ARIFPAY may allow third-party advertisers that are presenting advertisements on some of our pages to set and access their cookies on your computer. Advertisers’ use of cookies is subject to their privacy policies, not the ARIFPAY Privacy Policy.

  • Transaction Fees
    Arifpay will display to its agent all transaction fees to be incurred before completing the transaction with in the gateway and POS services. 

  • Privacy of Children
    None of the ARIFPAY sites or properties are directed to users under the age of 18. We do not currently market to or create special areas for use by children. Accordingly, we do not knowingly collect any personal information from children under the age of 18 years. If we discover that a child under the age of 18 has provided personally identifiable information to us, we will delete the child’s personally identifiable information and account from our files to the extent technologically possible.

  • Trans-border Data Transfers
    Any transfer of information outside Ethiopia will be administrated by ARIFPAY. Arifpay always verifies that the country in which data is processed or stored has adequate measures in place to protect personal data.

    You consent to this by the terms and agreement you sign prior to utilizing our services. 

  • Governing Law and Disputes
    This Privacy Policy and consent forms part of our website and application terms of use and as such it shall be governed by and construed in accordance with the laws of Ethiopia. You irrevocably agree that the courts of Ethiopia shall have exclusive jurisdiction to resolve any dispute or claim of whatever nature arising out of or relating to this policy and consent or otherwise to the use of your personal data and that the laws of Ethiopia shall govern such dispute or claim. However, we retain the right to bring legal proceedings in any jurisdiction where we believe that infringement of our intellectual property rights or breach of those policies is taking place or originating. You are responsible for compliance with any applicable laws and regulations of the jurisdiction from which you are accessing this website.

  • Changes to our Privacy Policy
    We may change this Policy from time to time. You agree that we may notify you about material changes in the way we treat Information by placing a notice on the Sites. The most recent version of the Privacy Policy will always be posted on the Sites, with the “Effective Date” posted at the top of the Policy. You should check the Sites frequently for updates. By accessing the website, web applications or using our Services after the Effective Date you are deemed to consent to our then-current privacy policy. If you have any questions or concerns about this Privacy Policy or about the collection, use and/or disclosure of your personal information by us, please email us at support@arifpay.net and we will try to address your concerns.