Your information matters.

Privacy at JOYET

JOYET is a digital wallet and financial technology platform operated by Apaxaa Inc. We understand that using financial technology involves information that can be personal and sensitive.

This Privacy Policy describes the types of information we may collect, why we use it, how we may share it, and the choices available to you.

By using JOYET, you acknowledge the practices described in this Privacy Policy. Certain JOYET products or services may have additional privacy notices that apply to those specific services.

Information we may collect

Depending on how you interact with JOYET, we may collect different categories of information.

Information you provide

• Name and contact information such as email address.
• Account credentials and authentication information.
• Information required to provide or maintain your JOYET account.
• Information you provide when contacting customer support.
• Information submitted as part of identity verification or compliance processes where required.

Transaction and account information

When you use wallet or payment functionality, information associated with transactions may be recorded. This can include transaction amounts, dates, transaction references, recipient information, service information, and related account activity.

Device and technical information

We may receive technical information such as device type, operating system, browser type, IP address, application version, diagnostic information, and general interaction data.

Information from third parties

Where necessary to provide particular services, information may be received from service providers, payment processors, verification providers, financial institutions, or other partners involved in a transaction or service you request.

How we use information

JOYET may use information for purposes including:

• Creating and maintaining your account.
• Providing wallet, payment, transfer, and other requested services.
• Processing and confirming transactions.
• Verifying identity and meeting applicable compliance requirements.
• Protecting accounts, transactions, systems, and users from unauthorized activity.
• Detecting and investigating fraud, abuse, or suspicious activity.
• Providing customer support and responding to enquiries.
• Improving the functionality, reliability, and experience of our products.
• Communicating important service, security, and account information.
• Complying with applicable legal and regulatory obligations.

Where applicable law requires a particular legal basis for processing personal information, the basis may include performance of a service, compliance with a legal obligation, legitimate interests, consent, or another lawful basis.

When information may be shared

JOYET may share information when necessary to operate the service, complete transactions, protect users, or meet legal obligations.

Service providers

We may work with third-party providers that support areas such as hosting, authentication, payments, identity verification, communications, analytics, security, and infrastructure.

Transaction participants

Information necessary to complete a transaction may be shared with banks, payment providers, financial institutions, or other parties involved in carrying out the transaction you request.

Legal and regulatory requirements

Information may be disclosed where required by applicable law, regulation, legal process, court order, or a lawful request from an authorized authority.

Business changes

If JOYET or relevant assets are involved in a merger, acquisition, restructuring, financing, or other business transaction, information may be transferred as part of that transaction subject to applicable legal requirements.

Protecting your information

We use technical, administrative, and organizational measures designed to protect information against unauthorized access, alteration, disclosure, and misuse.

Depending on the service, these measures may include access controls, authentication mechanisms, encrypted transport, monitoring, and other security practices.

No online service can guarantee absolute security. You should also take reasonable steps to protect your account credentials, device, transaction PIN, and other authentication information.

Cookies and similar technologies

Our website may use cookies and similar technologies to help the site function, remember preferences, understand how visitors interact with the site, and improve the experience.

Essential technologies

Some technologies may be necessary for basic website functionality, security, or remembering choices.

Analytics and performance

Where implemented, analytics technologies may help us understand general website usage and identify areas that can be improved.

Learn more through our Cookie Policy.

How long we keep information

We retain information for as long as reasonably necessary for the purposes described in this policy, including providing services, maintaining records, resolving disputes, enforcing agreements, preventing abuse, and meeting applicable legal, accounting, tax, or regulatory requirements.

Retention periods can differ depending on the type of information and the reason it was collected.

Your privacy choices and rights

Depending on where you live and applicable law, you may have rights relating to your personal information.

• Request access to personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of certain information where applicable.
• Object to or request restriction of certain processing.
• Withdraw consent where processing is based on consent.
• Request a copy of certain information in a portable format where applicable.

These rights are subject to applicable legal limitations and exceptions. For example, we may need to retain certain information to comply with legal or regulatory obligations.

To make a privacy request, contact us using the information in the Contact section below.

Children's privacy

JOYET is not intended for children who are below the minimum age required to use our services under applicable law.

If you believe a child has provided personal information to us in circumstances where they should not have, please contact us so that we can review the situation and take appropriate action.

Where information may be processed

JOYET and its service providers may process or store information in countries other than the country where you live. Where this occurs, applicable safeguards may be used as required by law.

The privacy and data-protection rules of those locations may differ from those in your jurisdiction.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our services, technology, legal requirements, or privacy practices.

When we make changes, we may update the date shown at the top of this page. Where required by applicable law, we will provide additional notice or obtain consent for material changes.

Questions about privacy?

If you have a privacy question, want to exercise an applicable privacy right, or need clarification about this policy, you can contact the JOYET team.