Privacy Policy

Last updated: 4 August 2026

This Privacy Policy explains how Payfrico collects, uses, shares and protects your personal information when you use our platform. We are committed to handling your data lawfully and transparently.

Data controller: Mask Antword Enterprise
Address: Accra, Ghana
Privacy contact: Payfrico@gmail.com

1. Information We Collect

1.1 Information you give us

Account details — name, email address and phone number when you register
Transaction details — recipient phone numbers, meter numbers, account numbers and similar information needed to deliver the services you buy
Payment details — the Mobile Money number used to fund your wallet
Agent information — storefront name, pricing settings and payout Mobile Money details, if you register as an agent
Support messages — anything you send us when requesting help

1.2 Information collected automatically

Order history and wallet activity
Device and browser information, IP address, and approximate location derived from it
Log data about how you use the Service, used for security and troubleshooting

We do not collect or store your Mobile Money PIN, card numbers or banking passwords. Payment authorisation happens with the payment provider, never on our systems.

2. How We Use Your Information

To create and manage your account
To process wallet funding and deliver the services you order
To send transaction confirmations and service notifications by SMS or email
To provide customer support and resolve disputes
To detect, investigate and prevent fraud and abuse
To operate the referral and agent programmes
To improve the reliability and usability of the Service
To comply with legal and regulatory obligations

3. Who We Share Information With

We share only what is necessary, and only with:

Payment processors — to authorise and confirm your wallet funding
Service suppliers — the aggregators and networks that deliver data, airtime, utility payments and other products. They receive the recipient details needed to fulfil your order.
Infrastructure providers — Google Firebase, which hosts our application, database and authentication
Messaging providers — to send you SMS notifications
Authorities — where we are legally required to disclose information

We do not sell your personal information, and we do not share it for third-party advertising.

4. Data Retention

We keep account and transaction records for as long as your account is active, and afterwards for as long as needed to meet legal, accounting, tax and dispute-resolution obligations. Support conversations are kept for a reasonable period to help us resolve recurring issues.

5. Security

We protect your data with encryption in transit (HTTPS), access controls on our systems, and authentication managed by Google Firebase. No system is perfectly secure, so we cannot guarantee absolute security — but we work to protect your information and will notify you of any breach that materially affects you, as required by law.

6. Your Rights

Subject to Ghana's Data Protection Act, you may:

Request a copy of the personal data we hold about you
Ask us to correct information that is inaccurate
Ask us to delete your account and associated data, subject to records we must keep by law
Object to or restrict certain processing
Withdraw consent where processing is based on consent

To exercise any of these, contact Payfrico@gmail.com. We may ask you to verify your identity before acting on a request.

7. Cookies and Local Storage

We use browser storage to keep you signed in and remember preferences such as your light or dark theme. These are necessary for the Service to work. We do not use advertising or cross-site tracking cookies.

8. Children

The Service is not intended for anyone under 18, and we do not knowingly collect data from children. If you believe a child has provided us with personal information, contact us and we will delete it.

9. Changes to This Policy

We may update this Policy from time to time. The current version is always published on this page with its "last updated" date. Significant changes will be communicated through the Service.

10. Contact

Questions or concerns about privacy can be sent to Payfrico@gmail.com or 0594401046.