Privacy Policy

1. About Panafri

Panafri is a business management platform designed to help businesses manage customers, products, sales, receipts, payments, taxes and related business records.

In this Privacy Policy, "Panafri", "we", "us" or "our" refers to the Panafri service and its operating entity. "You" or "your" refers to a person who uses Panafri.

2. Information We Collect

Depending on how you use Panafri, we may collect or receive the following categories of information:

• Account information such as your name, email address and authentication information.
• Business information such as business name, business type, country, currency, address, telephone number and business email.
• Customer information that you choose to enter into your Panafri account.
• Product, sales, receipt and payment records that you create or store using Panafri.
• Tax-related information and settings where you choose to use Panafri's tax features.
• Subscription and payment-related information necessary to provide paid services.
• Technical information such as browser, device, IP address, security logs and information required to operate and protect the service.

3. Information You Enter About Your Customers

Panafri allows businesses to maintain customer records, including information such as customer names, contact information, purchases, credit transactions, payments and outstanding balances.

If you enter information about another person into Panafri, you are responsible for ensuring that you have an appropriate lawful basis or permission to collect and use that information.

Businesses using Panafri are responsible for providing appropriate privacy information to their customers where required by applicable law.

4. How We Use Information

We use information collected through Panafri for legitimate purposes including:

• Creating and maintaining your account.
• Providing Panafri's business management features.
• Generating receipts and business records.
• Processing subscriptions and payments.
• Providing customer support.
• Sending important service and security notifications.
• Protecting Panafri against fraud and abuse.
• Maintaining and improving the service.
• Complying with applicable legal obligations.

5. Payment Information

Where you purchase a Panafri subscription, payment processing may be provided by third-party payment providers such as Paystack.

Panafri does not intend to store your complete payment card number, CVV or other sensitive card credentials. Payment information is processed by the applicable payment provider according to its own terms and privacy policy.

Panafri may receive limited transaction information, such as payment status, transaction reference, amount, currency and payment channel, so that we can confirm and manage your subscription.

6. When We Share Information

We do not sell your personal information.

We may share information with trusted service providers where necessary to operate Panafri, including providers used for payment processing, email delivery, hosting, security, analytics and infrastructure.

We may also disclose information where required by law, legal process, regulatory authorities, or where reasonably necessary to protect the rights, safety, security or property of Panafri, our users or others.

7. Data Security

We use reasonable technical and organisational measures designed to protect information against unauthorized access, loss, misuse, alteration or disclosure.

However, no internet-based service can guarantee absolute security. You are responsible for keeping your account credentials confidential and notifying us if you believe your account has been compromised.

8. Data Retention

We retain information for as long as reasonably necessary to provide the service, maintain business records, resolve disputes, prevent fraud, enforce agreements and comply with applicable legal, tax and accounting obligations.

When information is no longer required, we may delete, anonymise or securely dispose of it in accordance with our retention practices and applicable law.

9. Your Privacy Rights

Depending on the laws applicable to you, you may have rights concerning your personal information, including the right to:

• Request access to personal information we hold about you.
• Request correction of inaccurate information.
• Object to certain processing of your information.
• Request restriction of certain processing.
• Withdraw consent where processing is based on consent.
• Request deletion where legally applicable.
• Make a complaint concerning the handling of your information.

Some requests may be subject to legal, contractual, security or record-retention requirements.

10. Cookies and Similar Technologies

Panafri may use cookies, browser storage and similar technologies where necessary for authentication, security, preferences and service functionality.

You may control certain technologies through your browser settings. Disabling technologies required for authentication or security may affect the functionality of Panafri.

11. Children's Privacy

Panafri is a business service and is not intended for children. We do not knowingly request or collect personal information from children in circumstances where applicable law prohibits such collection.

12. International Data Processing

Panafri is designed for businesses across Africa. Depending on where you are located and which service providers we use, information may be processed or stored in countries outside your country of residence.

Where required, we will take appropriate steps for applicable cross-border data transfers.

13. Changes to This Privacy Policy

We may update this Privacy Policy as Panafri develops, our services change, or applicable legal requirements change. We will update the date at the top of this page when material changes are made.

14. Contact Us

If you have questions about this Privacy Policy, your personal information, or a privacy request, please contact Panafri: