Privacy Policy

Updated: February 7, 2021
1. Who We Are
“PAL” (hereafter, “Company,” “we,” “us,” and/or “our”) is a company based in Abidjan, Ivory Coast that acts as a technology service provider for banks and non-bank financial institutions. We welcome your questions, comments,

We welcome your questions, comments, and concerns about privacy. If you have any questions or comments about this Privacy Policy or our practices, or wish to make a request regarding your Personal Information, please contact us as follows:
2. What is Covered by this Privacy Policy?
This Privacy Policy describes how PAL uses and/or shares Personal Information. “Personal Information” means any information relating to an identified or identifiable individual that is protected as personal data or personally identifiable information under any applicable data protection laws.

This Privacy Policy applies to the our online and offline information gathering and dissemination practices in connection with this website (collectively, the “Site”) and also Personal Information we may receive through other means. We understand that you care about your own personal privacy interests, and we take that seriously. This Privacy Policy describes the Company’s policies and practices regarding its use of your personal data and sets forth your privacy rights.

In our capacity as a service provider to financial institutions, we process a variety of forms of data. We do not use this data for any uses other than those for which it has been provided to us to perform, and we do not sell this data to any third parties. Instead, the uses of this data are set out by the financial institutions that provide the data to us for processing.
4. Personal Information We Collect
We may collect information about you that is personally identifiable like your name, address, email address, phone number, date of birth, gender, and other information that is not otherwise publicly available. Such information is collected when you register and activate a PAL Account.
5. Use of Information
The information collected from you is used in a number of ways. We use the information to process your registration, fulfill your service order maintain the quality of our service, generate statistics about our visitors, facilitate payment in respect of Services rendered to you, customize and improve the content of our APP, fulfill any other request you have made, conduct research and generally enhance our service delivery to you. The information collected is also used to prepare reports for our internal use and for our current or potential partners.

We may share your non-public Personal Information to our Service Providers. Service Providers are persons and entities that we contract with to provide us a material service in connection with our business purposes, such as bank processing companies and technology companies. Service Providers assist us in maintaining, protecting, and enhancing our Site, our communication systems, and our services. In connection with providing these business services to us, one or more of our Service Providers may have access to your non-public Personal Information. This Personal Information will not be used for any purpose other than as reasonably necessary to perform a business purpose that we authorize, and it will not be further used by the Service Provider or disclosed to any Third Party. Any Service Providers agree to keep this information confidential and not use or further disclose it for their own purposes.
6. Cookies
Cookies are small text files that are stored on a client’s computer. We may elect to use cookies on the site to assist you with making your online experience more individualized, for convenience and to save you time when next you visit our site. You have the ability to decline cookies by modifying your settings. If you opt out of receiving cookies, you may not be able to fully experience the interactive features of our service.
7. Security Commitment
We employ appropriate technical and organizational security measures to prevent unauthorized access to information that we collect online.
8. Security Commitment
We employ appropriate technical and organizational security measures to prevent unauthorized access to information that we collect online.
9. Sale of the Company or Assets.
You agree to maintain a record sheet showing Identification details, phone numbers and addresses of clients for whom payments and bills are processed. Ensure that all required KYC information requested at sign up is accurately recorded, with clear pictures of the account owners. Non compliance with this requirement may cause your account to be flagged as suspicious and placed on a fraud watchlist. You also acknowledge that you are required to flag and report in writing showing the phone numbers and destination account numbers of suspected initiators and beneficiaries any suspicious transaction that they may be forced to process at the nearest law enforcement office and provide us with a report of the same for our records.
10. Other Sites/Third-Party Links
In an attempt to provide you with increased value, we may include third-party links on our Site. When you click on such links and visit such other websites, you need to be aware that we do not control such other websites or such other websites’ business practices, and that this Privacy Policy does not apply to such other websites. This Privacy Policy does not apply to any website owned and/or operated by or on behalf of any other entity, even if our Site posts a link to those other websites and you click through from our Site. We do not control the content or links that appear on these third-party sites, and are not responsible or liable for the practices employed by or activities of third-party websites linked to or from our Site. Those websites have separate and independent privacy policies. If you visit and/or disclose information through other sites, you are subject to the privacy policies, customer service policies, and practices of those websites. Browsing and interaction on any other website is subject to that website’s own terms and policies.
11. Changes to this Policy
We keep our privacy policy under regular review. If we change our privacy policy, we will post the changes on this page. You agree that we do not have any further obligation to inform you of such changes. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the personal information that we collect. You acknowledge and agree that it is your responsibility to review this policy periodically and become aware of any modifications.
12. Conditions of Use
By registering on the site, you signify your acceptance of this policy and the site’s Terms and Conditions of Use. If you do not agree to this policy, please do not use the site. By submitting your personal information, you consent to the use of that information as set out in this policy. You confirm that you have the consent to provide any information you have furnished on the site. Your continued use of the site following the posting of changes to this policy will be deemed your acceptance of those changes.