1. Who we are
AEKO Pay is operated by AEKO Pay CC in Namibia. This policy explains how we collect, use, share, store and protect personal information when you use our website, application, support and related services.
2. Information we collect
We may collect contact and account information, identity details, verification records, bank statements, transaction and repayment information, linked-bank details, device and security data, support communications and information required by law.
Where identity or selfie verification is used, additional notices or consent may apply.
3. How we use information
We use information to register and secure accounts, verify identity, assess eligibility and affordability, provide credit and payment services, process repayments, prevent fraud, respond to support requests, comply with law and improve our Services.
4. How we share information
We may share necessary information with authorised service providers, merchants, payment and banking partners, Collexia Payments (Pty) Ltd, identity and fraud-prevention providers, professional advisers, regulators and law-enforcement authorities where legally required.
We do not sell personal information. Partners may use information only for authorised purposes and must protect it appropriately.
5. Storage and security
We use organisational and technical safeguards designed to protect information, including access controls, encryption where appropriate, monitoring and restricted document storage. No system is risk-free, and you should keep your PIN and device secure.
6. Retention
We keep information only for as long as needed for the purposes described, to administer outstanding obligations, resolve disputes, prevent fraud and meet legal or regulatory record-keeping requirements.
7. Your choices and rights
Subject to applicable law, you may ask to access, correct or update information, object to or restrict certain processing, withdraw consent where processing relies on consent, or raise a complaint. Some information must be retained to meet legal obligations or administer an active account.
8. Cookies and website data
The website may use essential cookies for login, security, theme preferences and reliable operation. We keep optional tracking limited and provide notice where consent is required.
9. Contact and updates
Questions about privacy may be sent to support@aekopay.com. We may update this policy when Services, partners or legal requirements change and will publish the current effective date.