Privacy Policy

This Privacy Policy explains how payWolf (“payWolf”, “we”, “us” or “our”) collects, uses, shares and protects personal data when you use our mobile application, our websites and our related payment services (together, the “Services”).

We process personal data in line with Algerian Law No. 18-07 of 10 June 2018 on the protection of natural persons in the processing of personal data, and, where you are in the European Union or European Economic Area, with Regulation (EU) 2016/679 (the “GDPR”). Where specific rules apply to an activity — such as anti-money-laundering or payment regulation — we follow those too.

By using the Services you confirm that you have read and understood this policy.

payWolf is the controller responsible for your personal data, which means we decide why and how it is processed.

For any question, request or complaint about your data, or to reach our Data Protection Officer, contact privacy@paywolf.global. We answer requests within the timeframes set by applicable law.

You can also complain to a supervisory authority — in Algeria, the National Authority for the Protection of Personal Data (ANPDP); in the EU or EEA, the data protection authority where you live or work.

We collect only what we need to run the Services safely and lawfully. Depending on how you use payWolf, this may include:

• Identity data — your name, date of birth, nationality, and the identity documents and photos used to confirm who you are.
• Contact data — your phone number, email address and, where relevant, your address.
• Account data — your handle, profile, preferences and settings.
• Financial and transaction data — your balance, top-ups, transfers, withdrawals, payments and the parties to them.
• Device and technical data — device identifiers, operating system, app version, IP address and security signals.
• Usage data — how you interact with the app, and diagnostic information.
• Communications — the messages, support requests and feedback you send us.

We collect personal data:

• Directly from you — when you register, verify your identity, transact, contact support or otherwise use the Services.
• Automatically — from your use of the app and device, including cookies and similar technologies on our websites.
• From third parties — such as identity-verification providers, payment and banking partners, and fraud-prevention and sanctions-screening sources — strictly for the purposes below.

We use your personal data for the following purposes, each with a legal basis:

• To provide the Services — opening your account, processing transactions and supporting you — because it is necessary to perform our contract with you.
• To verify identity and prevent financial crime — because we are under a legal obligation to do so.
• To keep the Services secure and prevent fraud — because we have a legitimate interest in protecting you, other users and payWolf.
• To improve and develop the Services — on the basis of our legitimate interest, using aggregated or minimised data wherever we can.
• To send service messages and, where permitted, marketing — on the basis of our legitimate interest or your consent, which you can withdraw at any time.

We do not sell your personal data, and we do not use it for purposes incompatible with those above.

We share personal data only when necessary, and only with:

• Service providers who work on our behalf under strict confidentiality and data-protection commitments.
• Payment, banking and identity partners needed to move money and verify accounts.
• Regulators, authorities and courts where we are legally required to disclose it.
• Parties to a corporate transaction, such as a merger or reorganisation, subject to appropriate safeguards.

We never sell your data or share it for third-party advertising without your consent.

If you choose to sign in with Google, Google shares with us only the basic profile information you approve on Google's consent screen: your name, your email address, your profile picture and a unique account identifier. We do not receive your Google password.

• What we use it for — to create and sign you into your payWolf account, to show your name and picture in the app, and to keep your account secure. Nothing else.
• What we never do — we do not read your Gmail, contacts, calendar, files or any other Google service; we do not use Google user data for advertising, profiling or analytics; and we never sell it or share it with third parties, except the service providers who host our systems under the commitments described in this policy.
• Storage and deletion — this data is stored with the rest of your account data, under the same protections, and is deleted when your account is deleted. You can also revoke payWolf's access at any time at myaccount.google.com/permissions.

Our use of information received from Google APIs adheres to the Google API Services User Data Policy, including its Limited Use requirements.

payWolf and some of our partners may process personal data outside your country. Where we transfer data across borders, we do so in line with Algerian Law 18-07 and, for EU or EEA data, Chapter V of the GDPR.

We rely on appropriate safeguards — such as adequacy decisions, standard contractual clauses, or your explicit consent where required — so that your data keeps an equivalent level of protection wherever it is handled.

We keep personal data only for as long as necessary for the purposes in this policy and to meet our legal, regulatory and accounting obligations.

Some records — in particular identity and transaction records — must be kept for a minimum period set by anti-money-laundering law, usually several years after your relationship with us ends. When data is no longer needed, we securely delete or anonymise it.

Protecting your data is central to how we build. We encrypt data in transit and at rest, limit internal access to what is strictly necessary, monitor for fraud and unusual activity, and require strong authentication to reach your wallet.

No system can be guaranteed perfectly secure, but we maintain technical and organisational measures appropriate to the risk. If a personal-data breach likely to affect your rights ever occurs, we will notify the competent authority and, where required, you, as the law provides.

Subject to the conditions and exceptions in applicable law, you have the right to:

• Access the personal data we hold about you and get a copy.
• Rectify data that is inaccurate or incomplete.
• Erase your data where no overriding legal reason requires us to keep it.
• Restrict or object to certain processing, including direct marketing.
• Portability — receive certain data in a structured, common format.
• Withdraw consent at any time, where processing relies on consent.
• Complain to the ANPDP or your local data protection authority.

You can exercise most of these rights in the app, or by writing to privacy@paywolf.global. We may need to verify your identity before acting on a request.

Our websites use cookies and similar technologies to keep the site working, remember your preferences, measure performance and keep the Services secure. You can control non-essential cookies through your browser or, where offered, our cookie controls. Turning some cookies off may affect how the site works.

The Services are intended for people aged 18 and over. We do not knowingly collect personal data from children. If you believe a minor has given us personal data, contact us and we will take appropriate steps to delete it.

To protect you and the payments system, we use automated tools to detect fraud, money laundering and other risks. In limited cases these tools may flag, delay or block a transaction. Where a decision producing legal or similarly significant effects is based solely on automated processing, you may request human review, express your point of view and contest the decision, as the law provides.

We may update this policy from time to time. We will post the new version here and, for significant changes, tell you through the app or by email. The date at the top of this page shows when it was last revised.

For any privacy question, request or complaint, write to privacy@paywolf.global.