Privacy Policy

1. Who we are

GigMoPay is a borderless payments platform enabling African freelancers to receive international payments in USD, EUR and GBP and cash out in local currency via mobile money or bank transfer. Our registered address is available on request at privacy@gigmopay.com.

2. Data we collect

2.1 Account and identity data

• Full name, date of birth, and nationality
• Government-issued ID (passport, national ID, driver's licence)
• Selfie or liveness photo for identity verification (KYC)
• Email address and phone number

2.2 Financial data

• Bank account numbers and mobile money numbers you add as payout destinations
• Transaction history (amounts, dates, counterparties, exchange rates)
• Virtual account details assigned to you

2.3 Usage data

• IP address, device type, operating system, and browser
• Pages visited and features used within the app
• Referral source and UTM parameters

2.4 Waitlist data

If you join our waitlist, we collect your email address, country, and optional profession. We use this solely to notify you when access opens and to prioritise onboarding by region.

3. How we use your data

4. Who we share data with

We do not sell your personal data. We share it only with:

• Licensed banking and payment partners in your country (required to process transactions)
• KYC/AML providers (e.g. Bridge and licensed verification partners) for identity verification
• Infrastructure providers (Cloudflare, Convex) who process data on our behalf under data processing agreements
• Regulators and law enforcement when required by law

5. Data retention

We retain account and transaction data for a minimum of 5 years after account closure to meet anti-money-laundering regulations. Waitlist data is deleted within 30 days of your request. Usage analytics are aggregated and anonymised after 12 months.

6. International transfers

GigMoPay operates across multiple jurisdictions. Your data may be processed in countries outside your country of residence. Where we transfer data outside your home jurisdiction, we ensure appropriate safeguards are in place (standard contractual clauses, adequacy decisions, or equivalent protections).

7. Your rights

Depending on your country of residence, you may have the right to:

• Access — request a copy of the personal data we hold about you
• Rectification — correct inaccurate or incomplete data
• Erasure — ask us to delete your data (subject to legal retention obligations)
• Portability — receive your data in a machine-readable format
• Objection — object to processing based on legitimate interest
• Withdraw consent — for any processing based on consent (e.g. marketing emails)

To exercise any right, email privacy@gigmopay.com. We respond within 30 days.

8. Cookies and tracking

We use only essential cookies required for the platform to function (session management, CSRF protection). We do not use third-party advertising cookies. Analytics are privacy-first; no data is shared with advertising platforms. See our Cookie Policy for full details.

9. Security

We use TLS 1.3 for data in transit and AES-256 encryption for data at rest. Access to production data is restricted to authorised personnel with multi-factor authentication. Penetration testing is conducted at least annually.

10. Changes to this policy

We may update this policy periodically. We will notify waitlist members and registered users by email at least 14 days before material changes take effect. The "Last updated" date at the top of this page always reflects the current version.

11. Contact

For privacy-related questions or requests, contact our privacy team at:
privacy@gigmopay.com