RapidGateway

RapidGateway Privacy Policy

Effective date:

App: RapidGateway for Android (package name com.rapidpay.payments)

Website and portal: rapidgateway.pk, including the merchant web portal

Developer: RAPIDPAYMENTS TECHNOLOGIES (PRIVATE) LIMITED

This Privacy Policy explains how RAPIDPAYMENTS TECHNOLOGIES (PRIVATE) LIMITED (“RapidGateway”, “we”, “us” or “our”) collects, uses, shares, protects and keeps personal information when you use the RapidGateway mobile app (the “App”), the rapidgateway.pk website (the “Website”) and the merchant web portal on the Website (the “Portal”). It also explains your choices and how to delete your account.

Key points

  • The App is for businesses that use RapidGateway to accept payments, and for the people those businesses authorize to use their merchant account. You must be 18 or older to use it.
  • You sign in with your business email and password. You can also register a new business in the App. Registration asks for your name, business email, mobile number, CNIC number and city, and, if you choose, your website and expected monthly volume.
  • The App shows information from your merchant account: payments, settlements, payouts and notifications. It does not take payments or move money, and it does not use your location, camera, photos, files or contacts.
  • RapidGateway is not a bank. In Pakistan, payments to merchants are processed through banks, mobile wallet operators and payment service providers licensed by the State Bank of Pakistan (SBP). Other payment methods offered on the Website, such as USDT on the TRON network and payments in Qatar, are processed by the respective providers under the rules that apply to them (see section 1).
  • We do not sell personal information. The App shows no ads and contains no advertising, analytics or crash-reporting tools. The Website and the Portal use a Google Ads tag, which sets cookies, to measure our advertising (see section 3.9).
  • You can delete your account in the App (More › Privacy › Delete account) or at https://rapidgateway.pk/delete-account. The law requires us to keep some records for some time after an account is closed (see section 10).

1. Who we are

RAPIDPAYMENTS TECHNOLOGIES (PRIVATE) LIMITED is a company registered in Pakistan. You can find us at our office at A-601, Sumaira Sky Tower, Gulzar-e-Hijri, Scheme 33, Karachi, Pakistan. We develop and operate the App, the Website, the Portal and the RapidGateway payment gateway, which lets businesses accept online payments (https://rapidgateway.pk). We are responsible for the personal information we collect through the App, the Website and the Portal.

RapidGateway is a technology platform, not a bank. In Pakistan, the payments that customers make to merchants, and the settlements and payouts we make to merchants, are processed through banks, mobile wallet operators and payment service providers licensed by the SBP (“licensed partners”). Where the Website offers other payment methods, they are processed by the respective providers under the rules that apply to them: payments in Qatar go through a payment service provider licensed by the Qatar Central Bank, and USDT payments on the TRON network (TRC-20) are made on the public TRON blockchain. When a licensed partner or another payment provider uses information to provide its service, it also follows its own privacy notice and legal duties.

USDT payments are recorded on the public TRON blockchain, with the sending and receiving wallet addresses, the amount and the transaction hash. Anyone can see these records, and nobody, including us, can change or delete them.

For any privacy question, email contact@rapidpay.pk. Our website support address, support@rapidgateway.pk, receives the messages sent through the Website’s contact form, and you can write to it too.

2. Who this policy covers

This is the privacy policy for the RapidGateway mobile app, the rapidgateway.pk website and the merchant web portal. Your merchant account is the same account you use in the App and in the Portal. Sections 3.1 to 3.8 describe what the App collects, section 3.9 describes what the Website and the Portal collect, and the rest of this policy explains how we handle all of it.

3. Information we collect

We collect information you give us in the App, on the Website and in the Portal, technical information that the App, the Website and our servers need to work, information collected by the Google Ads tag on the Website and the Portal, and information about the payments processed for your business.

Summary. Details for each type follow below the table.
Type of informationExamplesWhy we use itShared with
Sign-in Business email address and password; the session token our servers issue when you sign in Sign you in, keep you signed in and protect your account Not shared
Business registration (only if you register in the App) First and last name, business email, mobile number, CNIC number, city; if you choose, website and expected monthly volume in PKR Create your merchant account, contact you about your application, send you a welcome SMS when you activate your account, verify your identity and business, prevent fraud, and keep the records our licensed payment partners need to meet their anti-money-laundering obligations Licensed partners, as needed to approve and run your merchant account; our email delivery provider (to send your verification link); our SMS delivery provider, httpSMS (your first name and mobile number, to send the welcome SMS)
Notifications Notification token and Firebase installation ID created on your phone; the platform (“Android”) Send payment and account notifications to your phone Google (Firebase Cloud Messaging), as our service provider
Activity in the App What you search for and the filters you choose on the Transactions and Payouts screens; the transaction or notification you open; notifications you mark as read Show you the results and details you ask for, and keep your unread count right Not shared
Technical IP address, date and time and the request made, recorded by our servers; standard request information received by Google when the App downloads its font Security, preventing misuse and fixing problems Our hosting and security providers; Google Fonts (font download only)
Website and Portal What you type in the contact and sign-up forms; information you add in the Portal, including LeadRadar searches; cookies and visit information collected by the Google Ads tag; IP address and requests recorded by our servers Answer you, open and run your merchant account, provide the Portal’s features, measure our advertising, security and fixing problems Google (Google Ads, Google Fonts and the Google News button script); Cloudflare (cdnjs); CoinGecko (USDT to PKR rate); Anthropic (LeadRadar, with your own Anthropic API key); our hosting, email delivery, SMS delivery (httpSMS) and security providers

3.1 Signing in

3.2 Registering a business in the App

If you do not have a merchant account yet, you can register your business in the App. We collect:

Full business verification is done on the RapidGateway web portal, not in the App. There you give us details and documents such as your NTN, company registration documents, the CNICs of directors or owners and the bank account we pay your settlements to. That information becomes part of your merchant account, and sections 7 to 12 of this policy apply to it.

3.3 Notifications

3.4 Your activity in the App

3.5 Information the App shows you

The App displays information that is already in your merchant account. It comes from your registration, your business verification and the payments processed for your business, not from your phone. Depending on your role, the App can show:

For merchants: please use the information about your customers and payout recipients only to provide your goods or services and to handle questions about the payment, and keep it confidential.

If you paid a business that uses RapidGateway, or received a payout from one: we process your payment details to carry out the payment for that business, with our licensed partners, and to meet our legal duties. The business can see the details listed above. For questions, contact the business or email us at contact@rapidpay.pk.

3.6 Technical information

3.7 Information kept on your phone

3.8 Information we do not collect

3.9 The Website and the Portal

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4. How we use information

We use your personal information only when we have a lawful reason to:

6. App permissions

You can see and change the App’s permissions at any time in your phone’s Settings › Apps › RapidGateway. (Older versions installed from our web portal are labelled “Rapid Pay” on the phone.)

PermissionWhenWhat it is used forIf you say no
Notifications You choose in your phone’s settings, or when the App asks Show payment and account notifications The App still works. You can see your notifications in the App’s Notifications screen.
Internet and network status Granted automatically when you install the App Connect to our servers over an encrypted connection Not applicable
Receive notifications, keep the phone awake briefly, vibrate Granted automatically. They are added by Google’s Firebase Cloud Messaging and the notification component. Receive a notification and display it Not applicable

The App does not ask for location, camera, microphone, contacts, phone, SMS, storage or NFC permissions, and it does not need any special hardware.

7. How we share information

We share personal information only as described here, and only what each recipient needs.

We do not sell or rent personal information, and we do not share it with data brokers. Apart from the Google Ads tag described in section 3.9, we do not share it with advertising companies.

8. Where information is stored

Your information is stored and processed on secure servers run by our cloud hosting providers. Some of our service providers and servers are located outside Pakistan. When information is transferred outside Pakistan, we take steps, including contracts with our providers, to keep it protected as this policy describes and as applicable Pakistani law and the rules that apply to our licensed payment partners require.

9. How we protect information

No system is completely secure. Please help protect your account: keep your password and API credentials secret, lock your phone, and sign out on shared phones. RapidGateway staff will never ask you for your password or your API secret key.

10. How long we keep information

We keep personal information only as long as we need it for the purposes in this policy, or longer if the law requires it.

InformationHow long we keep it
Identity and business verification records: your name, business email, mobile number, CNIC number, city, website and expected volume, and the details and documents given for business verification While your merchant account is open, and after it is closed for as long as required by applicable Pakistani law (including the Anti-Money Laundering Act, 2010) and the rules that apply to our licensed payment partners, and then deleted or made anonymous
Transaction, settlement, refund and payout records, including the customer and payout recipient details on them While your merchant account is open, and after it is closed for as long as required by applicable Pakistani law (including the Anti-Money Laundering Act, 2010) and the rules that apply to our licensed payment partners, and then deleted or made anonymous
Business and tax records: fees, settlements and invoices After the merchant account is closed, for as long as required by tax law (including the Income Tax Ordinance, 2001) or by anti-money-laundering law, whichever is longer, and then deleted or made anonymous
Fraud-prevention record: the CNIC number, mobile number, business email and merchant ID of a closed account, with the reason it was closed After the account is closed, only for as long as we reasonably need it to prevent fraud and misuse of our services, or longer if the law requires it, and then deleted
Notification tokens Until you sign out on that phone, the token changes, or your account is deleted
Your in-app notifications and their read status Until your account is deleted
Complaints, support and contact-form messages, and deletion requests After the matter is closed, for as long as we need them to deal with any related dispute, complaint or regulator enquiry and to show how we handled it, or longer if the law requires it, and then deleted
Server and security logs, including searches recorded in them For a limited period, only as long as we need them for security, preventing misuse and fixing problems, unless we need them longer to investigate a security issue or the law requires us to keep them, and then deleted
Backups Deleted information can remain in backups until they are overwritten in our regular backup cycle. Backups are used only to recover from a system failure. If we ever restore one, we delete that information again.
Information saved on your phone Until you sign out, clear the App’s storage or uninstall the App (your theme choice and the introduction flag stay until you clear storage or uninstall)
Cookies and browser storage on the Website and the Portal Cookies set by the Google Ads tag stay in your browser for the period Google sets, or until you delete them. The Portal’s sign-in session stays in your browser until you sign out or clear your browser’s data for the Website.

When a retention period ends, we delete the information or make it anonymous. If records are needed for an investigation, dispute or court order, we keep them until the matter is closed.

11. Your rights and choices

Subject to Pakistani law and our legal duties, you can:

To make a request, email contact@rapidpay.pk with the subject “Privacy request”, from the business email registered on your account if you can. We will check your identity first. For example, we may ask you to confirm the request by replying from your registered business email address. We will reply within 30 days. We cannot delete records that the law requires us to keep, and we cannot share information that would reveal another person’s data or harm an investigation.

12. Deleting your account

You can ask us to delete your account and the personal information linked to it at any time:

We confirm that we received your request within 2 business days. We then check that the request really comes from you. We may ask you to confirm the request by replying from your registered business email address. We never ask for your password.

Before we close a merchant account: pending payments, refunds and disputes must be completed; any amount still owed to your business is settled to your registered settlement account; and any amount your business owes us must be paid. Closing a merchant account turns off its API credentials, so your website or app stops accepting payments through RapidGateway, and it ends access for every user of that account. If you are a manager or auditor on another business’s merchant account, you can ask us to delete only your own user account; the business’s merchant account stays open.

Timing: within 3 business days after we confirm your identity, we close your account, so nobody can sign in to it in the App or on the web portal. Within 30 days after we confirm your identity, we delete or anonymize your personal information, except:

We ask the companies that work for us to delete your information too, unless the law requires them to keep it. Our licensed partners and other payment providers keep their own records as their legal duties require. Records on a public blockchain, such as the wallet addresses and transaction hash of a USDT payment, cannot be deleted by anyone, including us (see section 1).

You can also ask us to delete specific information without closing your account. We will do so unless we must keep it for the reasons above.

Signing out removes your session and account details from your phone. To remove everything the App stored, uninstall it or clear its storage (Android Settings › Apps › RapidGateway › Storage › Clear storage). Uninstalling the App on its own does not delete your account.

Full details are on our account deletion page: https://rapidgateway.pk/delete-account.

13. Children

The App and the Portal are business tools for adults. They are not for anyone under 18, and registering a business requires a valid CNIC. We do not knowingly collect personal information from anyone under 18. If you think a child has given us personal information, contact us at contact@rapidpay.pk and we will delete it, unless the law requires us to keep it.

14. Other services and links

The App opens some pages in your web browser: the Portal, our developer documentation, this policy and our account deletion page. The Website links to other services, such as WhatsApp (to chat with our support team) and our pages on social networks. Your browser and any third-party services or pages you go on to visit have their own privacy policies, which this policy does not cover.

15. Changes to this policy

We may update this policy when our services or the law change. We will change the effective date at the top of this page. If we make important changes, we will tell you in the App, on the Website or by email before they take effect. You can ask us for earlier versions.

16. Contact us

RAPIDPAYMENTS TECHNOLOGIES (PRIVATE) LIMITED
A-601, Sumaira Sky Tower, Gulzar-e-Hijri, Scheme 33, Karachi, Pakistan
Email: contact@rapidpay.pk
Website support: support@rapidgateway.pk
Website: https://rapidgateway.pk

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