Last updated: 14 June 2023
At JustNovaPay, protecting your privacy and personal information is important to us. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website, mobile applications, payment services, and related platforms.
1. Introduction
JustNovaPay is committed to processing personal information responsibly and in accordance with applicable South African privacy laws, including the Protection of Personal Information Act (“POPIA”).
By using JustNovaPay services, you agree to the collection and processing of your information as outlined in this Privacy Policy.
2. Information We Collect
We may collect personal information directly from you or through trusted third-party providers.
This may include:
- Full name and surname
- Identity or registration details
- Email address and phone number
- Residential or business address
- Payment and banking information
- Transaction and payment history
- Device, browser, IP address, and usage information
- Communications with our support team
We may also collect information through cookies and platform analytics to improve user experience and platform security.
3. How We Use Your Information
JustNovaPay uses personal information to:
- Create and manage your account
- Process payments and installment plans
- Verify identity and prevent fraud
- Conduct credit and risk assessments where applicable
- Communicate important account updates
- Improve our products, services, and customer experience
- Provide customer support
- Comply with legal and regulatory obligations
We only process information where permitted by law or where consent has been provided.
4. Marketing Communications
We may occasionally send you promotions, updates, or offers from JustNovaPay or trusted partners.
You can opt out of marketing communications at any time through your account settings or by contacting us directly.
We will never sell your personal information to third parties.
5. Sharing Information
Your information may be shared with:
- Payment processors and financial institutions
- Fraud prevention and identity verification providers
- Merchants participating on the JustNovaPay platform
- Regulatory authorities where required by law
- Trusted service providers assisting with platform operations
All third parties are required to protect your information and use it only for authorized purposes.
6. Cookies & Tracking Technologies
JustNovaPay uses cookies and similar technologies to:
- Improve website functionality
- Remember user preferences
- Analyze platform performance
- Enhance security and fraud prevention
You may disable cookies through your browser settings, although some platform features may not function correctly.
7. Data Security
We implement industry-standard technical and organizational security measures to protect your information from unauthorized access, misuse, loss, or disclosure.
While we take reasonable precautions, no online platform can guarantee absolute security.
8. Your Rights
You may request to:
- Access your personal information
- Correct inaccurate information
- Delete or restrict certain information
- Withdraw consent for marketing communications
- Object to certain types of processing where permitted by law
To exercise your rights, contact us at:
9. Data Retention
We retain personal information only for as long as necessary to:
- Provide our services
- Meet legal and regulatory obligations
- Resolve disputes and enforce agreements
- Improve platform performance and security
Certain records may be retained longer where required by law.
10. Third-Party Links
Our platform may contain links to third-party websites or services. JustNovaPay is not responsible for the privacy practices or content of external websites.
Users access third-party services at their own risk.
11. Children’s Privacy
JustNovaPay services are intended for users aged 18 years and older. We do not knowingly collect personal information from minors.
12. Changes to This Policy
We may update this Privacy Policy from time to time. Updated versions will be published on the JustNovaPay platform with the revised effective date.
Continued use of our services after updates means you accept the revised policy.
13. Contact Us
For privacy-related questions, data requests, or concerns, please contact:
