Privacy Policy
1. INTRODUCTION & SCOPE
1.1. Welcome to WILDPAY
WILDX LIMITED (trading as WILDPAY), company number 16505785, with its registered office at 275 New North Road, London, England, N1 7AA, is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial technology platform, website (wildpaywallet.com), mobile applications, and related services (collectively, the "Services").
1.2. Your Acceptance
By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy. If you do not agree, you must not use our Services.
1.3. WILDPAY's Role
WILDPAY is a financial technology platform and program manager, not a bank. Banking services, payment card issuance, and fund custody are provided by our licensed and regulated partner institutions. We act as a data controller for the personal data we collect directly from you to manage your account and provide our platform services. When we process data on behalf of our financial partners to facilitate transactions, we may act as a data processor.
2. INFORMATION WE COLLECT
We collect personal information that you provide directly, that we collect automatically, and that we receive from third parties. The categories are detailed below:
2.1. Information You Provide Voluntarily
Identity & Contact Data: Full name, date of birth, email address, phone number, residential address, nationality, and government-issued identification numbers.
Identity Verification Data: Copies of identity documents (e.g., passport, driver's license), photographs (including selfies), video recordings from verification sessions, and signatures. This may include biometric data (e.g., facial geometry from a selfie) for identity verification purposes, for which we will seek your explicit consent where required by law.
Financial & Transaction Data: Bank account details, payment card information (via secure third-party links), transaction history, recipient details, and records of your purchases (e.g., mobile top-ups, gift cards).
Profile & Communications Data: Username, password, preferences, feedback, and the contents of your communications with our customer support team (including call and chat recordings).
2.2. Information Collected Automatically
When you interact with our Services, we and our third-party partners may collect:
Technical & Device Data: Internet Protocol (IP) address, browser type and version, device identifiers, operating system, time zone setting, and other technology on the devices you use.
Usage & Analytics Data: Information about how you navigate our platform, pages viewed, links clicked, dates and times of access, and the website you visited before coming to ours.
Location Data: General location information derived from your IP address or, with your permission, precise GPS location from your mobile device.
2.3. Information from Third Parties
We receive information about you from various third-party sources to provide, secure, and improve our Services:
Identity Verification & KYC Providers: Data and verification results from services like Veriff (e.g., confirmation of document authenticity, liveness check results).
Payment & Financial Service Providers: Information necessary to process transactions and manage funds from partners like Stripe, PayPal, and Flutterwave.
Fraud Prevention & Compliance Databases: Information from sanctions lists, politically exposed persons (PEP) databases, and adverse media screenings to comply with Anti-Money Laundering (AML) laws.
Business Partners & Public Sources: Information from our banking partners, mobile top-up partners (e.g., Reloadly), and publicly available sources for due diligence.
3. HOW WE USE YOUR INFORMATION
We use your personal information only for legitimate business and legal purposes.
| Purpose of Use | Categories of Data (See Section 2) | Legal Basis (where applicable) |
|---|---|---|
| To Provide Our Services: Create/manage your account, verify your identity (KYC/AML), process transactions, issue virtual cards, and provide customer support. | Identity, Contact, Verification, Financial, Transactional. | Performance of a contract; Compliance with a legal obligation (e.g., AML laws). |
| For Security & Fraud Prevention: Protect you, our Services, and others from fraud, cyber threats, and unauthorized transactions. | All categories, particularly Technical, Usage, and Transactional data. | Legitimate interests (to secure our platform); Legal obligation. |
| To Comply with Laws: Meet regulatory reporting, KYC, AML, and tax obligations. | Identity, Contact, Verification, Financial, Transactional. | Legal obligation. |
| To Improve Our Services: Conduct data analysis, testing, research, and develop new features. | Usage, Analytics, and Technical Data (often aggregated and anonymized). | Legitimate interests (to improve and grow our business). |
| Marketing & Communications: Send you service-related announcements and, with your consent, promotional offers about our Services. | Contact and Profile Data. | Consent (for direct marketing); Legitimate interests (for service messages). |
4. HOW WE SHARE YOUR INFORMATION
We do not sell your personal information. We only share it as described below:
With Our Licensed Financial & Banking Partners: To enable card issuance, fund custody, and payment processing, as disclosed in our Legal Notice.
With Essential Service Providers: We engage trusted third parties to perform functions on our behalf, such as:
Identity Verification: Providers like Veriff and KYC2020 process your identification data to verify your identity on our behalf.
Payment Processing: Providers like Stripe, PayPal, and Flutterwave facilitate transactions.
Cloud Hosting & IT: Providers that host our platform and data.
Customer Support & Analytics: Tools that help us communicate with you and understand service usage.
For Legal & Compliance Reasons: If required by law, regulation, legal process, or governmental request, including to law enforcement, regulators, or tax authorities. This includes sharing information to prevent illegal activity, fraud, or to protect the safety of any person.
During Business Transfers: In connection with a merger, sale of company assets, financing, or acquisition of all or a portion of our business.
With Your Consent: For any other purpose disclosed to you with your prior permission.
5. INTERNATIONAL DATA TRANSFERS
WILDPAY operates globally. Your personal information may be transferred to, stored, and processed in countries other than your own, including the United Kingdom, United States, and other locations where our partners operate. We ensure all such transfers comply with applicable data protection laws by implementing safeguards such as:
Standard Contractual Clauses approved by European and UK authorities.
Relying on adequacy decisions for certain countries.
Using partners certified under the EU-U.S. Data Privacy Framework.
6. DATA SECURITY
We implement technical and organizational measures designed to protect your information, including encryption (SSL/TLS for data in transit, AES-256 for data at rest), firewalls, access controls, and regular security assessments. However, no electronic transmission or storage method is 100% secure. While we strive to protect your data, we cannot guarantee its absolute security.
7. DATA RETENTION
We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law (e.g., for regulatory, tax, or compliance reasons). Typical retention periods are:
Active Accounts: For the duration of your relationship with us.
Legal & Compliance Records: For 5 to 7 years after account closure, as required by AML and financial regulations.
Identity Verification Data: As required by our partners and regulatory guidelines, often for a period of 5 years.
Once no longer needed, we will securely delete or anonymize your data.
8. YOUR DATA PROTECTION RIGHTS
Depending on your location, you may have rights under laws like the UK GDPR or the California Consumer Privacy Act (CCPA). These may include the right to:
Access the personal data we hold about you.
Correct inaccurate or incomplete data.
Delete your personal data (subject to legal exceptions).
Restrict or Object to our processing of your data.
Port your data to another service.
Withdraw Consent where processing is based on consent.
Opt-out of marketing communications at any time (using the "unsubscribe" link).
To exercise these rights, please contact us at privacy@wildpaywallet.com. We may need to verify your identity before responding. You also have the right to lodge a complaint with your local data protection authority.
9. THIRD-PARTY LINKS AND SERVICES
Our Services may contain links to or integrations with third-party websites, plug-ins, or applications (like our payment and KYC partners). Clicking on those links may allow the third party to collect data about you. We do not control these third-party services and are not responsible for their privacy statements. We encourage you to read the privacy policy of every service you use.
Stripe Privacy Policy: https://stripe.com/privacy
PayPal Privacy Statement: https://www.paypal.com/privacy
Veriff Privacy Notice: https://www.veriff.com/privacy-notice
10. CHILDREN'S PRIVACY
Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with data, please contact us. If we learn we have collected such data, we will delete it promptly.
11. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or for other reasons. We will post the updated policy on this page and update the "Last Updated" date. If changes are material, we will provide a more prominent notice, such as an email notification. We encourage you to review this policy regularly.
12. CONTACT US
For questions, requests, or concerns about this Privacy Policy or our data practices, please contact our Data Protection Officer at:
WILDX LIMITED (trading as WILDPAY)
Email: privacy@wildpaywallet.com
Address: 275 New North Road, London, England, N1 7AA
