Tabital Pay – Privacy Policy

Tabital Pay Ltd (registration number CS 117960626) is the data controller for the personal data described here.
Address: 37 Hillview St. (GZ-097-6119), 7th Avenue, Greda Estate, Teshie, Accra, Ghana. Phone: +233 50 395 0453. Email: info@tabitalpay.com.

When you sign up (customers)

• Full name, email, phone number, date of birth
• City, Ghana Post GPS address and home address
• Job title, employer, monthly salary, employment start date, and whether your salary is paid into a bank account
• Mobile Money number and Ghana Card number
• A referee’s name, phone number and relationship to you (please tell them you’ve named them)

When we verify you

• A photo of your Ghana Card and a selfie with a liveness check, captured by Smile ID. The images go straight from your device to Smile ID; we keep Smile ID’s result, not the images.
• The name and date of birth that the ID authority returns, to compare with what you gave us
• Evidence of employment and salary (for example a payslip or employer letter), for your first plan and for orders of GHS 10,000 or more

When you use Tabital

• Your orders, payment plans, payments, late fees, deferments and disputes
• Payment references from Paystack. If you save a card for autopay, we keep only Paystack’s card reference, never your card number.
• A random ID for your device or browser, and simple signals such as whether the browser is automated, used to prevent fraud
• Messages we send you and your messages to us
• Sign-in records

Merchants
Business name, owner, registration number, tax ID, address, phone, email and payout account (Mobile Money or bank).

Automated decisions. Our system uses your salary, employment and repayment record to set your spending limit, down payment and whether new purchases are allowed. Some cases go to a person on our team. You can ask for any decision about you to be reviewed by a person, and you can tell us why you disagree.

We share only what each needs:

We don’t sell your personal data.

Some of our providers store data outside Ghana. For example, our app and database are hosted by Render, outside Ghana. Smile ID and Paystack may also process data outside Ghana. We only use providers that protect data to the standard Act 843 requires.

• Account, identity and payment records: while your account is open, and afterwards for as long as the law requires us to keep financial, credit and anti-money-laundering records.
• Sign-in records: 30 days.
• Marketing preferences: until you change them.

We don’t keep personal data longer than we need it for the purposes in section 3 or than the law requires.

• Data is encrypted in transit (HTTPS).
• Ghana Card, phone, Mobile Money and bank numbers are masked on our staff screens. Only senior staff can see a full number, they must give a reason, and each view is logged.
• Staff only get the access their role needs.
• Payments go through Paystack; we never see or store your full card number.

Under Act 843 you can:

• ask what personal data we hold about you and get a copy;
• ask us to correct data that’s wrong or out of date;
• ask us to delete data we no longer need (we can’t delete records the law makes us keep, or while money is owed);
• object to marketing at any time, and to other uses based on our legitimate interests;
• ask for a person to review an automated decision (section 3);
• complain to the Data Protection Commission of Ghana (dataprotection.org.gh).

To use any of these rights, email info@tabitalpay.com. We may ask you to prove who you are. We’ll reply as soon as we can, within the time the law allows.

Tabital Pay is for people aged 18 and over. We don’t knowingly collect data about children.

• tabitalpay.com (this website) uses cookies needed for the site to work, and the live-chat window may set its own cookies when it loads. We don’t use advertising or analytics cookies.
• The Tabital app has no analytics or tracking. It stores your sign-in session and a random device ID in your browser.
• Both load fonts from Google Fonts, so Google receives your IP address when a page loads.

We’ll post any change here with a new version date. If a change affects you significantly, we’ll also tell you in the app.

Tabital Pay Ltd (registration number CS 117960626) · 37 Hillview St. (GZ-097-6119), 7th Avenue, Greda Estate, Teshie, Accra, Ghana · +233 50 395 0453 · info@tabitalpay.com · tabitalpay.com