Welcome to ZarTM. Your privacy is important to us. This Privacy Policy explains how ZarTM (“we”, “our”, “us”) collects, uses, discloses, and protects your personal information when you use our mobile application, website, and digital wallet services (“Services”).
By using ZarTM, you agree to the terms outlined in this Privacy Policy.
1. Information We Collect
We collect the following categories of information:
1.1 Personal Information
To create and verify your account, we may collect:
- Full name
- Phone number
- Email address
- Date of birth
- Identification documents (e.g., national ID, passport)
- Residential address
1.2 Financial Information
To process transactions, we collect:
- Bank account details
- Wallet balance
- Transaction history
- Payment information
- Withdrawal and deposit details
1.3 Device & App Usage Data
We may collect:
- Device type, model, OS version
- IP address
- App usage analytics
- Location data (with permission)
- Browser information
1.4 Communication Data
When you contact support, we may collect:
- Chat logs
- Email correspondence
- Call recordings (if applicable)
2. How We Use Your Information
We use your data to:
- Create and manage your ZarTM account
- Process transactions (send, receive, withdraw, request)
- Verify your identity (KYC)
- Prevent fraud and unauthorized access
- Improve app performance and user experience
- Provide customer support
- Comply with legal and regulatory requirements (POPIA, AML, KYC)
- Send notifications, updates, and security alerts
We do not sell your personal information.
3. Legal Basis for Processing (POPIA Compliant)
We process your information based on:
- Your consent
- Contractual necessity
- Legal obligations (AML/KYC regulations)
- Legitimate business interests
4. Sharing Your Information
We may share your data with:
- Payment processors and banks for transactions
- Verification partners for identity checks
- Regulatory authorities when legally required
- Service providers for app hosting, analytics, and security
We never share your information with advertisers or third parties for marketing without your consent.
5. Data Storage & Security
We take strong measures to safeguard your data, including:
- End-to-end encryption
- Secure servers and firewalls
- Multi-factor authentication
- Regular security audits
- Restricted access to authorized personnel only
If a data breach occurs, users will be notified as required by law.
6. Your Rights (Under POPIA & GDPR Principles)
You have the right to:
- Access your personal data
- Correct inaccurate information
- Request deletion of your data
- Withdraw consent
- Request a copy of your data
- Object to certain processing activities
To exercise these rights, contact: support@zartm.com
7. Cookies & Tracking Technologies (Website Only)
ZarTM.com may use cookies to:
- Improve user experience
- Analyze website traffic
- Remember preferences
You can disable cookies in your browser settings.
8. Retention of Information
We retain your information:
- As long as your account is active
- For the time required to comply with financial laws
- For auditing and anti-fraud purposes
9. Children’s Privacy
ZarTM is not intended for users under 18 years old.
We do not knowingly collect data from minors.
10. International Data Transfers
Your information may be stored in secure servers outside your country, but always under strict data protection standards.
11. Third-Party Links
The ZarTM app or website may contain links to third-party sites.
We are not responsible for their privacy practices.
12. Updates to This Privacy Policy
We may update this Privacy Policy from time to time.
Changes will be posted on zartm.com and inside the mobile app.
13. Contact Information
If you have any questions or requests regarding this Privacy Policy, please contact us at:
📧 support@zartm.com
