SahulatPay, operated by Secure Transact Solutions (Private) Limited (hereinafter referred to as “we”, “us”, “our” or “SahulatPay”) has developed this Privacy Policy (“Privacy Policy”) to explain how we collect, use, and disclose information about you when you use our Android mobile application (“app”) and our website located at https://sahulatpay.pk/ (together, the “Platform”) and the services rendered by us through the Platform.

All visitors/users (“Customer”/ “Customers”, “Users” / “User”, “You “or “Your”) of the Platform are advised to read and understand our Privacy Policy carefully, as by accessing the Platform, you agree to be bound by the terms and conditions of this Privacy Policy and consent to the collection, storage, and use of information relating to you as provided herein. The term “Services” refers to any services offered by SahulatPay whether on the Platform or otherwise.

By using this Platform, you consent to allowing us to collect and use your personal information as described in this Privacy Policy. By using the Platform, you agree to the contents of this Privacy Policy and give your irrevocable consent to us for collecting your personal information.

BY USING THE PLATFORM, YOU AGREE THAT WE CAN COLLECT AND USE YOUR PERSONAL INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY. BY USING THE PLATFORM, YOU AGREE TO THE CONTENTS OF THIS PRIVACY POLICY AND GIVE YOU’RE CONSENT TO US TO COLLECT YOUR PERSONAL INFORMATION.

Our Privacy Policy explains:

• What information we collect and why we collect it.
• How we use that information.
• The choices we offer, including how to access and update information.

A. COLLECTION OF INFORMATION

To provide the best experience to you, we collect and store personal information provided by you from time to time on the Platform. When you contact us, we keep a record of your communication to help solve any issues you might be facing. The personal information that we may collect about you broadly falls into the following categories:

1. Information you provide to us

When you register on our Platform:

• You may be asked to provide certain contact information that is necessary for registering for a Platform account, including name, address, phone number, email address, and your respective institute/company details.
• In connection with your use of the Platform, you may be asked to provide certain payment information. This may include bank account numbers, billing and delivery information, credit/debit card numbers, expiration dates, security codes, and tracking information from cheques or money orders to facilitate the rendering of services to you.

2. Information that we collect automatically

• If you contact us via our customer services department (telephone, WhatsApp, or email), we may record a copy of your correspondence and ask for additional information to verify your identity.
• Location information: Depending on the Services that you use, and your app settings or device permissions, we may collect your real-time location information or approximate location through data such as GPS, IP address.
• We collect information on how you interact with our services, preferences, and the settings chosen.
• We may collect contact details and other information of Users from publicly available sources for the purposes of verifying the Users and performing due diligence on the Users.
• We may collect details of the User activities, transactions, and interactions on the Platform.
• We gather statistical information about the Platform and visitors, including browser software, operating system, pages viewed, and number of sessions, using cookies and similar tracking technology.

3. Information we receive from other sources

• We may receive information about you from third parties such as mobile wallet operators, financial institutions, credit bureaus, duly licensed lenders, and others involved in verifying Users or conducting KYC and AML checks.
• If you choose to participate in reviewing or rating the Services on the Platform, we may receive personal information from third parties assisting us in collecting such reviews.

B. DISCLOSURE OR SHARING OF PERSONAL INFORMATION

We may disclose (or provide access to) personal information to the following categories of recipients:

• Third-party business partners, service providers, and affiliates of SahulatPay who assist us in providing services, including marketing platforms, cloud computing providers, customer service providers, and risk control providers.
• Law enforcement agencies, insurers, government and regulatory organizations when required by applicable laws or in exercising legal rights.
• Potential buyers in the event of a merger or acquisition, provided that they use the information in accordance with this Privacy Policy.
• Other individuals and entities as deemed necessary or with your consent.

C. LEGAL BASIS FOR DATA PROCESSING

We process personal information for purposes such as providing services, complying with legal obligations, fulfilling our legitimate interests, or with your consent. Our legal basis for processing will depend on the specific context and personal information concerned.

D. RETENTION

We retain personal information as long as we have a legitimate business need, or as required by applicable laws. When no longer needed, we will delete or anonymize the data, or securely store it until deletion is possible.

E. COOKIES

We use cookies and similar technologies to enable functionality on our Platform, track user behavior, and conduct analytics and advertising. These cookies help us enhance user experience and tailor content to user preferences.

F. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy in response to legal, technical, or business developments. Any changes will be posted on the Platform, and once posted, the new Privacy Policy will take effect immediately.

Contact Us

For any questions, concerns, or data-related requests, you may contact us at:

Email: info@sahulatpay.com
Address: 32C 3rd floor, 13th St, Bukhari Commercial D.H.A Phase 6, Defence Housing Authority, Karachi, 75500, Pakistan