!function(){try{var e="undefined"!=typeof window?window:"undefined"!=typeof global?global:"undefined"!=typeof self?self:{},t=(new e.Error).stack;t&&(e._sentryDebugIds=e._sentryDebugIds||{},e._sentryDebugIds[t]="c30458f0-b7aa-4fcb-a858-327f5968ad74",e._sentryDebugIdIdentifier="sentry-dbid-c30458f0-b7aa-4fcb-a858-327f5968ad74")}catch(e){}}();"use strict";(self.webpackChunk_N_E=self.webpackChunk_N_E||[]).push([[6342],{26342:function(e,t,i){i.d(t,{Qz:function(){return s},Tl:function(){return r},eA:function(){return n},mQ:function(){return o},v2:function(){return a}});let a="https://api.mypayd.app/v1",n=[{id:"tab_item_1",label:"Introduction"},{id:"tab_item_2",label:"Information Collection"},{id:"tab_item_3",label:"Use of Data"},{id:"tab_item_4",label:"Data Sharing and Disclosure"},{id:"tab_item_5",label:"Data Retention"},{id:"tab_item_6",label:"Data Security"},{id:"tab_item_7",label:"Data Subject Rights"},{id:"tab_item_8",label:"Providers Compliance"},{id:"tab_item_9",label:"International Data Transfers"},{id:"tab_item_10",label:"Ticketing and Image Rights"},{id:"tab_item_11",label:"Children Privacy"},{id:"tab_item_12",label:"Changes to This Privacy Policy"},{id:"tab_item_13",label:"Contact Information"},{id:"tab_item_14",label:"Introduction To KYC"},{id:"tab_item_15",label:"Definitions"},{id:"tab_item_16",label:"KYC Policy"},{id:"tab_item_17",label:"AML Policy"},{id:"tab_item_18",label:"Transaction Limits and Restrictions"},{id:"tab_item_19",label:"Card Payments"},{id:"tab_item_20",label:"AML Reporting and Compliance"},{id:"tab_item_21",label:"Training and Awareness"},{id:"tab_item_22",label:"Conclusion"},{id:"tab_item_23",label:"Contact Information"}],s={tab_item_1:{title:"Introduction",sections:[{subtitle:"Overview",text:"This Privacy Policy describes how My Payd App collects, uses, discloses, and protects users' personal information."},{subtitle:"Consent",text:"By using the App, users consent to the collection and use of information in accordance with this policy."}]},tab_item_2:{title:"Information Collection",sections:[{subtitle:"Personal Information",text:"We collect information such as name, contact details, identification documents, and financial information."},{subtitle:"Usage Data",text:"Information on how the App is accessed and used may also be collected."}]},tab_item_3:{title:"Use of Data",sections:[{subtitle:"Service Provision",text:"To manage user accounts, process transactions, and provide customer support."},{subtitle:"Improvement of Services",text:"To enhance the app's functionality and user experience."},{subtitle:"Legal Compliance",text:"To comply with legal obligations under Kenyan law."}]},tab_item_4:{title:"Data Sharing and Disclosure",sections:[{subtitle:"Service Providers",text:"Sharing with third-party service providers for services like payment processing, only as necessary to perform their functions."},{subtitle:"Legal Requirements",text:"All users hereby expressly consent and authorize My Payd app to disclose any transactional data pertaining to their Payd Account to any Law enforcement, investigative or regulatory, or any other competent Anti-Money Laundering authority for the purpose of genuine inquiry or investigation. Any consent given for the purpose stated herein may be retracted through writing to us."},{subtitle:"Business Transfers",text:"In the event of a merger or acquisition, user information may be transferred."}]},tab_item_5:{title:"Data Retention",sections:[{subtitle:"Data Retention",text:"Users consent to My Payd App retaining their transactional data for as long as necessary for the purposes for which it was collected or as may be required by the law or regulation."}]},tab_item_6:{title:"Data Security",sections:[{subtitle:"Security Measures",text:"Implementing robust security measures to protect against unauthorized access, alteration, disclosure, or destruction of personal data."},{subtitle:"Data Breach Notification",text:"Commitment to notify users and competent authorities of any data breaches as per Kenyan law."}]},tab_item_7:{title:"Data Subject Rights",sections:[{subtitle:"Access and Control",text:"Users have the right to access, update, or delete their personal information."},{subtitle:"Data Portability",text:"The right to request a copy of the data in a readable format."}]},tab_item_8:{title:"Providers Compliance",sections:[{subtitle:"Third Party Compliance",text:"We ensure that our providers, including SasaPay, Mpesa, Airtel, Pesalink, and SmileID, comply with Data protection policies through regular audit and assessment of their data handling practices."}]},tab_item_9:{title:"International Data Transfers",sections:[{subtitle:"Data Transfer",text:"Personal data may be transferred to, and maintained on, computers located outside of Kenya. We ensure that adequate data protection standards are met."}]},tab_item_10:{title:"Ticketing and Image Rights",sections:[{subtitle:"Image Consent",text:"Users agree that by virtue of purchasing a ticket on Payd, they expressly consent to having their photos taken and published on Payd Socials. This consent may be revoked at any time by contacting the Company via its official email."}]},tab_item_11:{title:"Children's Privacy",sections:[{subtitle:"Age Limitation",text:"The App does not knowingly collect personal information from anyone under the age of 18."}]},tab_item_12:{title:"Changes to This Privacy Policy",sections:[{subtitle:"Policy Updates",text:"We reserve the right to update this policy. Notice of any changes will be given."}]},tab_item_13:{title:"Contact Information",sections:[{subtitle:"Queries and Complaints",text:"For any privacy-related concerns, users can contact us at support@paydhq.com."}]},tab_item_14:{title:"Introduction To KYC",sections:[{subtitle:"Overview",text:"Payd is committed to maintaining the highest standards of compliance with applicable laws and regulations related to Know Your Customer (KYC) and Anti-Money Laundering (AML)."},{subtitle:"Scope",text:"This policy applies to all Payd users, including freelancers, creators, event organizers, and businesses utilizing Payd’s services."}]},tab_item_15:{title:"Definitions",sections:[{subtitle:"KYC (Know Your Customer)",text:"The process of verifying the identity of customers to prevent fraudulent activities."},{subtitle:"AML (Anti-Money Laundering)",text:"Policies and procedures designed to detect and prevent money laundering activities."},{subtitle:"CDD (Customer Due Diligence)",text:"Collecting and verifying customer information to assess the risks of money laundering or terrorist financing."},{subtitle:"ECDD (Enhanced Customer Due Diligence)",text:"A more thorough verification process for high-risk customers or transactions."},{subtitle:"Beneficial Owner",text:"The individual or entity that ultimately owns or controls an account or financial transaction."}]},tab_item_16:{title:"KYC Policy",sections:[{subtitle:"3.1 KYC Verification Process",text:"All Payd users must complete KYC verification before accessing international payment channels, payouts, or card services. This involves basic information collection, document verification, and biometric verification."},{subtitle:"3.2 KYC for International Payments and Payouts",text:"Users must complete Full KYC for accessing international payment channels and payouts, with unverified accounts having limited services."}]},tab_item_17:{title:"AML Policy",sections:[{subtitle:"4.1 Customer Due Diligence (CDD)",text:"Payd implements risk-based CDD procedures, including risk assessments, ongoing monitoring, and verification based on user profiles and geographic locations."},{subtitle:"4.2 Enhanced Customer Due Diligence (ECDD)",text:"Payd applies ECDD for higher-risk users, requiring additional verification, transaction justification, and source of funds documentation."}]},tab_item_18:{title:"Transaction Limits and Restrictions",sections:[{subtitle:"Daily Transaction Limits",text:"Users with Basic KYC are limited to $50/day, while Full KYC users have higher limits of up to $5,000/day."},{subtitle:"Monthly Transaction Limits",text:"Monthly limits may apply, particularly for high-risk or new users."}]},tab_item_19:{title:"Card Payments",sections:[{subtitle:"Accessing Card Payment Services",text:"Users must apply for card payment services, which are restricted to fully verified accounts that pass compliance checks."},{subtitle:"Monitoring and Fraud Detection",text:"All card transactions are monitored for fraud, chargebacks, and suspicious activity."}]},tab_item_20:{title:"AML Reporting and Compliance",sections:[{subtitle:"Suspicious Activity Reporting (SAR)",text:"Payd’s compliance team investigates and files SARs when necessary, focusing on transactions above typical thresholds or involving high-risk jurisdictions."},{subtitle:"Record-Keeping",text:"All KYC, transaction, and AML-related records are retained for at least five years."}]},tab_item_21:{title:"Training and Awareness",sections:[{subtitle:"Employee Training",text:"Payd employees handling transactions or compliance will undergo regular training to recognize suspicious activity and implement KYC and AML policies effectively."}]},tab_item_22:{title:"Conclusion",sections:[{subtitle:"Final Thoughts",text:"Payd’s KYC and AML policies ensure compliance and platform security. These policies are reviewed regularly to meet legal and regulatory updates."}]},tab_item_23:{title:"Contact Information",sections:[{subtitle:"Support and Compliance Team",text:"For any queries, contact the Payd Compliance Team at legal@paydhq.com."}]}},o=[{id:"tab_item_1",label:"Introduction"},{id:"tab_item_2",label:"User Management"},{id:"tab_item_3",label:"Financial Transactions"},{id:"tab_item_4",label:"User Conduct"},{id:"tab_item_5",label:"Privacy and Data Protection"},{id:"tab_item_6",label:"Termination and Suspension"},{id:"tab_item_7",label:"Limitation of Liability"},{id:"tab_item_8",label:"Dispute Resolution"},{id:"tab_item_9",label:"General Provisions"},{id:"tab_item_10",label:"Source of Funds"}],r={tab_item_1:{title:"Introduction",sections:[{subtitle:"Acceptance of Terms",text:"By accessing and using My Payd App, users agree to be bound by these Terms and Conditions, as well as any applicable laws and regulations in Kenya."},{subtitle:"Amendments",text:"The App reserves the right to revise these terms at any time. Continued use of the service following any changes indicates acceptance of the new terms."}]},tab_item_2:{title:"User Management",sections:[{subtitle:"Account Eligibility",text:"Users must be at least 18 years old or the age of majority in Kenya."},{subtitle:"Account Security",text:"Users are responsible for maintaining the confidentiality of their account credentials."},{subtitle:"KYC Compliance",text:"In compliance with Kenyan financial regulations, users must submit KYC documents and receive approval before transacting."}]},tab_item_3:{title:"Financial Transactions",sections:[{subtitle:"Fees and Charges",text:"A detailed fee schedule will be provided, in accordance with Kenyan financial regulations."},{subtitle:"Refunds and Cancellations",text:"Terms for refunds and cancellations will align with the Consumer Protection Act in Kenya."},{subtitle:"Transaction Limits",text:"Transaction limits may be imposed in accordance with Kenyan financial laws."}]},tab_item_4:{title:"User Conduct",sections:[{subtitle:"Compliance with Laws",text:"Users must comply with all Kenyan laws, including but not limited to, anti-money laundering and counter-terrorism financing laws."},{subtitle:"Prohibited Use",text:"The app must not be used for any unlawful or fraudulent activities."}]},tab_item_5:{title:"Privacy and Data Protection",sections:[{subtitle:"Data Collection",text:"In compliance with the Kenyan Data Protection Act, personal data will be collected, used, and stored transparently and lawfully."},{subtitle:"Data Rights",text:"Users have rights to access, correct, delete, or transfer their personal data. The data to be deleted upon user's request will be held for a period of 12 months for regulatory or compliance purposes if the relevant regulatory bodies require it to be adduced. After the lapse of this period, the user’s data will be permanently deleted from our databases."}]},tab_item_6:{title:"Termination and Suspension",sections:[{subtitle:"Rights of the App",text:"The App reserves the right to terminate or suspend accounts for non-compliance with these terms."},{subtitle:"User’s Right to Terminate",text:"Users may close their account subject to settling any pending transactions."}]},tab_item_7:{title:"Limitation of Liability",sections:[{subtitle:"Extent of Liability",text:"Liability of the App will be limited to the extent permitted by Kenyan law."}]},tab_item_8:{title:"Dispute Resolution",sections:[{subtitle:"Governing Law",text:"These terms are governed by the laws of Kenya."},{subtitle:"Dispute Resolution",text:"Any disputes will be resolved through arbitration in Kenya, in accordance with the Arbitration Act."}]},tab_item_9:{title:"General Provisions",sections:[{subtitle:"Severability",text:"If any provision of these terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity will not render these terms unenforceable or invalid as a whole."},{subtitle:"Entire Agreement",text:"These Terms constitute the entire agreement between My Payd App and its users. The App shall not be compelled to refund or compensate the sender if they transfer money from their wallets to the recipient through mistake or by being under duress or coercion."}]},tab_item_10:{title:"Source of Funds",sections:[{subtitle:"1. What Is the Source of Funds?",text:"The source of funds refers to the origin of the money that is deposited into your Payd account or used for transactions. Payd is required to understand where the money is coming from to ensure it complies with financial regulations. This could involve funds you have earned, received as a gift, or obtained through legal business activities."},{subtitle:"2. Types of Acceptable Sources of Funds",text:"Payd accepts funds from various legitimate sources, including but not limited to:",details:[{title:"A. Employment Income",detail_text:"Proof of employment (such as a letter from your employer or payslip) indicating regular salary payments or bonuses. Examples: Monthly salary, bonuses, or allowances deposited into your Payd wallet."},{title:"B. Freelance or Contract Work",detail_text:"Documentation of contract agreements or proof of completed work (such as invoices) for freelance jobs, project-based work, or creative gigs. Examples: Payments received from clients for freelance projects, design work, writing, or development."},{title:"C. Business Revenue",detail_text:"Documentation of your business activities, such as business registration certificates, bank statements, or invoices that show payments for services or products rendered. Examples: Income from selling goods, consulting services, or running a small business."},{title:"D. Rental Income",detail_text:"Lease agreements, rent receipts, or property ownership documents that show income generated from rental properties. Examples: Rental payments received from tenants into your Payd wallet."},{title:"E. Investments",detail_text:"Proof of investments, such as investment statements or documentation showing dividends, returns from mutual funds, or stock sales. Examples: Earnings from stocks, bonds, mutual funds, or crypto assets."},{title:"F. Personal Savings",detail_text:"Bank statements or savings account records that show the accumulation of personal savings. Examples: Savings deposited into your Payd account from your personal bank account."},{title:"G. Gifts or Donations",detail_text:"Documentation of the gift or donation (such as a letter or transaction receipt) from the individual or entity providing the funds. Examples: Funds received as gifts from family members or donations from individuals for personal projects."},{title:"H. Loans",detail_text:"Loan agreements or bank statements indicating that funds were borrowed from a legitimate financial institution. Examples: Loan amounts received from a bank or credit institution for personal or business purposes."}]},{subtitle:"3. How to Submit Source of Funds Information",text:'\n        To submit your source of funds, follow these steps:\n        - Log in to Your Payd Account: Navigate to the KYC section or "Source of Funds" tab.\n        - Upload Supporting Documents: Provide proof of your source of funds by uploading payslips, invoices, or bank statements.\n        - Submit: Review and submit documents for compliance review.'},{subtitle:"4. Why Is This Information Necessary?",text:"\n        Providing your source of funds ensures that:\n        - Payd complies with financial regulations to prevent illegal activities.\n        - Your account remains secure, protecting the platform from fraud.\n        - You gain access to advanced features like higher transaction limits and international payments."},{subtitle:"5. Confidentiality and Security",text:"We take your privacy seriously. All source of funds information is kept confidential and used only for compliance purposes. Payd uses encryption and data security measures to protect your information."},{subtitle:"6. Non-Compliant or Unclear Sources of Funds",text:"\n        If your funds cannot be clearly linked to a legitimate source or documentation is not provided, Payd reserves the right to:\n        - Limit account functionality or restrict access to features.\n        - Hold transactions for review.\n        - Close the account in cases of non-compliance or suspicious activity."},{subtitle:"7. Questions or Assistance",text:"If you have questions or need help with submitting documentation, contact our support team at support@paydhq.com."}]}}}}]);