Privacy Policy

Last updated 13.08. 2024

This privacy notice for Midzo Tech SARL (doing business as Mayo) ('we', 'us', or 'our'), describes how and why we might collect, store, use, and/or share ('process') your information when you use our services ('Services'), such as when you:

Download and use our mobile application (Mayo), or any other application of ours that links to this privacy notice.
Engage with us in other related ways, including any sales, marketing, or events.

Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at hello@midzoapp.com.

a.) Contact Details. If, at any time, users would like to exercise any of the rights granted in this Policy, they may do so my contacting us at any of the methods provided:
Company Name: Midzo Tech SARL
·Address: EVEGO, BAGUIDA, L’orphelinat des Religieuses “Pauvres Filles”
Phone: +228 91 20 80 99
E-Mail: hello@midzoapp.com
b.) Website Details.
·Website URL: www.mayooapp.com
·Website Name: Midzo Tech SARL
c.) Mobile App.
Mobile App Name: Mayo App
Available on:
Android (Google Play Store

SUMMARY OF KEY POINTS

This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our title of contents below to find the section you are looking for.

What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. Learn more about personal information you disclose to us under session 1 of this policy.

Do we process any sensitive personal information? We may process sensitive personal information when necessary with your consent or as otherwise permitted by applicable law. Learn more about sensitive information we process under session 2 of this policy.

How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Learn more about how we process your information under session 2 of this policy.

How do we keep your information safe? We have organisational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorised third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Learn more about how we keep your information safe under session 6 of this policy.

What are your rights? Learn more about your privacy rights under session.

How do you exercise your rights? The easiest way to exercise your rights is by visiting https://mayooapp.com/, or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.

Want to learn more about what we do with any information we collect? Review the privacy notice in full.

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In Short: We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

names
phone numbers
passwords

Mayo App requests this information for the purpose of your account opening and management. All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Flexipay Merchant Accounts: Users requesting a Flexipay merchant account can do so through the app's settings. We collect the following information to perform due diligence before opening a Flexipay merchant account, which will enable merchants to receive mobile money payments:

Names
Phone numbers
Passwords
Email
Address and GPS location of your activities
Name and types of activities

Sensitive Information:
We may request access or permission to certain features from your mobile device, including your mobile device's sms messages, contacts, phone calls in order to execute the USSD codes, and read the response you get from the operations, so that we can confirm your transactions.

SMS/Call Log. When necessary, with your consent or as otherwise permitted by applicable law, we process the following categories of sensitive information:

Access to Phone dialer: MAYO app accesses your phone dialer to automatically execute USSD codes for you when you transfer mobile money, pay bills, and buy airtime and bundles.

Access to SMS Log: MAYO accesses your SMS log and reads only the SMS you receive from the operators after the USSD codes have been executed when you transfer mobile money, pay bills, or buy airtime bundles to confirm your operations, and to provide you with a history of your transactions.

Without this access, we cannot execute the USSD codes or confirm your transactions.

Access to contact lists:
At MAYO, we prioritize your privacy and strive to be transparent about how we handle your information. To facilitate the selection of the recipient for your mobile money transfers, MAYO requests access to your contact list. This access is solely intended to make it easier for you to choose the receiver from your contacts.

Purpose of Access: The primary purpose of accessing your contact list is to streamline the process of selecting the recipient for mobile money transfers. This helps us provide a smoother and more convenient user experience.
Limited Use: We only use this access to display your contacts to you. We do not collect, store, or capture any information from your contact list.

Profile Pictures: Some contacts in your list may have profile pictures. We emphasize that MAYO does not collect, store, or capture these profile pictures or any other information from your contact list.

Security: We implement robust security measures to ensure that your contact information remains private and is not accessed by unauthorized parties.
No Data Collection: No information from your contact list, including names, phone numbers, or profile pictures, is collected or stored by MAYO.

By using MAYO, you consent to this limited access for the sole purpose of enhancing your experience with our service. We are committed to protecting your privacy and ensuring that your personal information remains secure.

Granting permissions is essential for the app to function correctly, ensuring it can manage and confirm your operations. Rest assured, we do not collect or share any of your request data. If you have any questions or concerns regarding this policy, please contact our support team for further assistance.

Information automatically collected
We automatically collect certain information when you visit, use, or navigate the Services. The information we collect includes:

Push Notifications. We may request to send you push notifications regarding your account or certain features of the application(s). If you wish to opt out from receiving these types of communications, you may turn them off in your device's settings. This information is primarily needed to maintain the security and operation of our application(s) and for confirming your USSD operations.

Transaction Data Collection. We collect and process transaction data to provide a statistical dashboard that gives an overview of your mobile money transfers. This dashboard is designed to help you monitor and manage your financial activities more effectively. The types of transaction data we collect may include:

Transaction amounts
Dates and times of transactions
Recipient details
Payment methods used

Access to Location: We request access to your GPS location when you apply for a Flexipay merchant account. This access is essential to complete our due diligence process. It is also used to show you nearby Flexipay merchants, providing you with a more relevant and personalized user experience.

This data is used solely for the purpose of generating your personalized statistical dashboard and is not shared with third parties, except as necessary to provide our services or comply with legal obligations.

Additional Services and Data Collection

Withdrawal of Mobile Money at Agents: For the withdrawal of mobile money at agents, users must enter the agent code. This code is used solely to enable users to collect money physically at the agents and is not considered sensitive information.
Mobile Money PIN: When using features such as mobile money transfers, phone credit purchases, credit transfers, borrowing phone credits, canceling mobile money transfers, Flexipay services, and consulting your balance, users must enter their mobile money PIN. We do not collect, store, or capture these PIN numbers at any time. These codes are essential for executing transactions successfully, but we emphasize that we do not have access to this sensitive data.
Balance Consultation: When users consult their balance, it is displayed for up to 24 hours unless the user chooses to hide the balance themselves. Users have the option to hide their balance and refresh the balance at any time. We do not collect or store this balance information; it is solely for the user's convenience.

By using Mayo, you consent to this limited access solely to enhance your experience with our service. We are committed to protecting your privacy and ensuring that your personal information remains secure.

Like many businesses, we also collect information through cookies and similar technologies. The information we collect includes:

Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.

2. HOW DO WE PROCESS YOUR INFORMATION?

In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

To facilitate account creation and authentication and otherwise manage user accounts. We may process your information so you can create and log in to your account, as well as keep your account in working order.
To evaluate and improve our Services, products, marketing, and your experience. We may process your information when we believe it is necessary to identify usage trends, determine the effectiveness of our promotional campaigns, and to evaluate and improve our Services, products, marketing, and your experience.
To execute USSD codes we require call permission to automatically dial USSD codes from your SIM cards.

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
In brief: We do not share your information with third parties.
We do not collect or share any of your application data. Your privacy and the security of your data are our top priorities. We recommend that you avoid using unsecured or public channels to communicate sensitive or confidential information.

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

In Short: We may use cookies and other tracking technologies to collect and store your information on our website but not in the APP.

We may use cookies and similar tracking technologies (like web beacons and pixels) to gather information when you interact with our Services. Some online tracking technologies help us maintain the security of our Services and your account, prevent crashes, fix bugs, save your preferences, and assist with basic site functions. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.

5. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep your information for as long as necessary to fulfil the purposes outlined in this privacy notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than the period of time in which users have an account with us.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymise such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

6. HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We aim to protect your personal information through a system of organisational and technical security measures.

We have implemented appropriate and reasonable technical and organisational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorised third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

7. WHAT ARE YOUR PRIVACY RIGHTS?

In Short: You may review, change, or terminate your account at any time, depending on your country, province, or state of residence.
Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section 'HOW CAN YOU CONTACT US ABOUT THIS NOTICE?' below.

However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.

Account Information
If you would at any time like to review or change the information in your account or terminate your account, you can:

Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our legal terms and/or comply with applicable legal requirements.

Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies.

If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. If you have questions or comments about your privacy rights, you may email us at hello@midzoapp.com.

8. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ('DNT') feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognising and implementing DNT signals has been finalised. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

9. DO WE MAKE UPDATES TO THIS NOTICE?

In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this privacy notice from time to time. The updated version will be indicated by an updated 'Revised' date at the top of this privacy notice. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

10. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may email us at hello@midzoapp.com or contact us by post at: Midzo Tech SARL, DEVEGO, BAGUIDA, L’orphelinat des Religieuses “Pauvres Filles

11. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

You have the right to request access to the personal information we collect about you, details on how we have processed it, to correct inaccuracies, or to delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in certain circumstances by applicable law. To request to review, update, or delete your personal information, please visit: https://mayooapp.com/.
Last updated: 13.08.2024

This privacy notice for Midzo Tech SARL (doing business as Mayo) ("we," "us," or "our") describes how and why we might collect, store, use, and/or share ("process") your information when you use our services ("Services"), such as when you:

Download and use our mobile application (Mayo) or any other application of ours that links to this privacy notice.
Engage with us in other related ways, including sales, marketing, or events.