1. Our Commitment to Privacy

We value your privacy and are committed to being transparent about how we collect, use, and protect your personal information.
This privacy notice explains your rights and the principles we follow when handling your data while you use Easypaisa services, websites, or any products offered by us or our partners.

By using our services or signing up for any product, you agree to this privacy notice and any additional applicable terms.

2. Your Privacy Matters at Easypaisa

When processing your personal data, we follow these principles:

• We process your personal data in line with this privacy notice and applicable laws.

• We are transparent about how we collect, use, and share your data.

• We use your data only for lawful and clearly defined purposes.

• We retain your information only as long as necessary and securely dispose of it afterward.

• We help you understand and exercise your privacy rights.

• We apply strong security measures to prevent unauthorized access or misuse.

• We proactively protect your data throughout its lifecycle.

• We embed privacy and data protection into our products and services.

3. What Data We Collect, Why We Use It, and How We Process It

A. What Data We Collect

1. Identity and Contact Information

• Full name, date of birth

• CNIC, passport, or other government-issued IDs

• Contact details (phone, email, address)

• Family-related identifiers

• Professional and educational information

• Biometric identifiers (thumbprint, signature)

• KYC information

2. Financial and Transactional Information

• Financial profile and documents

• Information from credit bureaus

• Payment details (cards, bank accounts)

• Source of income

• Billing and shipping details

• Transaction history

• User-generated content and activity

• Buying behavior and spending patterns

3. Biometric and Visual Data

• Live selfies or images for verification

• Uploaded ID images or documents

• NADRA verification records

4. Usage and Behavioral Information

• Usage patterns and lifestyle indicators

• App activity and navigation

• Spending behavior

• Website analytics

• Device information (OS, browser, IP, settings)

• Location and access method

5. Communications and Correspondence

• Messages or emails you send us

• Feedback or reports from other users

6. Verification and Additional Data

• Documents for verification

• Authentication answers

• Device identifiers

• Geolocation

7. Partner-Sourced Data

• Demographic and navigation data from trusted partners

B. Why We Use Your Information

We use your data to:

• Provide and improve our services

• Manage and maintain your account

• Deliver items you order

• Perform credit checks and secure payments

• Offer customer support

• Personalize your app and website experience

• Prevent fraud and unauthorized activity

• Send OTPs and security confirmations

• Resolve disputes

• Analyze market trends and improve products

• Offer relevant marketing (if you opt-in)

• Train AI models to enhance services

• Comply with legal and regulatory requirements

C. How We Process Your Information

• Automated + manual processing (with human oversight)

• Data minimization — only what is needed

• Strict security controls

• Consent where required

• Regular audits and compliance checks

5. Sharing Your Information with Third Parties

We may share your information with trusted third parties such as:

• Group companies

• Authorized data processors

• Social media or integrated platforms

• Research and analytics partners

• Credit bureaus and debt recovery agencies

• External auditors or consultants

• Banks and financial institutions

• Law enforcement and regulatory authorities (when legally required)

All third parties follow strict confidentiality and security standards.

6. How We Safeguard Your Personal Information

We apply strong security controls, including:

• Encrypted data storage

• Strict access controls

• Regular vulnerability and penetration testing

• Internal and external audits

• Multi-factor authentication (2FA/MFA)

• Secure communication protocols

• Continuous monitoring of security threats

7. How Long We Retain Your Data

We retain your data:

• Only as long as necessary for service and legal requirements

• In compliance with State Bank of Pakistan regulations

• Longer if required by investigations, litigation, or court orders

8. Your Privacy Rights

You may exercise the following rights:

a) Right to Information

You can request information about the data we hold, subject to legal limitations.

b) Right to Access Personal Data

You can access certain data through the Easypaisa app or by contacting customer support.

c) Right to Rectification and Erasure

• You can request correction of inaccurate data

• Some information can be updated through the app or call center

• Deletion may not be possible before regulatory retention periods expire

9. Children’s Information

We do not process data of individuals under 18, unless guardian consent is provided for services intended for minors.

10. Revision of Privacy Notice

We may update this notice regularly. Changes will be posted accordingly.

11. Contact Us

For questions or concerns:

Phone: (051 / 021 / 042) 111 003 737
Email: info@easypaisa.com.pk
Registered Office: 21 Fazeelat Arcade, G-11 Markaz, Islamabad, Pakistan