FellaNovita Global ("Novita Pay", "we", "us", "our") is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you use the Novita Pay platform, including our website at https://novitapay.com and our progressive web application, and describes the rights you have in relation to your information. By using the Services, you consent to the practices described in this Policy.
1. Information We Collect
We collect information that you provide directly to us, information we collect automatically through your use of the Services, and information we receive from third parties. Information you provide includes your full name, date of birth, gender, country of account, residential address, telephone number, email address, occupation, identity documents (such as a national ID or passport), and selfie verification images submitted during registration and KYC.
Information we collect automatically includes device and connection information (such as device type, operating system, browser, language settings, and IP address), usage data (such as pages viewed, features used, and transaction activity), and information collected through cookies and similar technologies. We may also receive information from identity-verification providers, fraud-prevention services, payment networks, and other partners to the extent necessary to provide and secure the Services.
2. How We Use Your Information
We use your personal information to: open and administer your Account; verify your identity and comply with KYC, AML, CTF, and sanctions obligations; process and monitor transactions; provide, maintain, and improve the Services; personalise your experience, including automatic language detection and localisation; communicate with you, including sending statements, receipts, notifications, and service updates; prevent, detect, and investigate fraud and security incidents; enforce our Terms; and comply with Applicable Law and lawful requests from competent authorities.
We process your information on the legal bases of performance of our contract with you, compliance with our legal and regulatory obligations, our legitimate interests in operating and securing the platform, and, where required, your consent. Where we rely on consent, you may withdraw it at any time, although doing so may limit your ability to use certain features.
3. Language and Localisation Data
To deliver a localised experience, we detect and store your language and country preferences. This allows us to present the interface, dates, times, numbers, currencies, receipts, notifications, and support content in a format appropriate to you. Your language selection may be synchronised with your Account so that it persists across devices and future sessions. You can change these preferences at any time using the global language and country selector.
4. How We Share Your Information
We do not sell your personal information. We may share your information with: service providers and partners who perform functions on our behalf (such as identity verification, cloud infrastructure, payment processing, and customer support), subject to appropriate confidentiality and data-protection obligations; payment networks and financial institutions to the extent necessary to execute transactions; regulators, law-enforcement agencies, and other authorities where required by Applicable Law or to protect our rights and the safety of others; and any successor entity in connection with a merger, acquisition, or reorganisation, subject to the protections described in this Policy.
5. International Data Transfers
As a global platform, we may transfer, store, and process your information in countries other than your country of residence, including countries whose data-protection laws may differ from those in your jurisdiction. Where we transfer personal information internationally, we implement appropriate safeguards, such as contractual protections and recognised transfer mechanisms, to ensure that your information continues to be protected to a standard consistent with this Policy and Applicable Law.
6. Data Security
We implement robust technical and organisational measures to protect your personal information against unauthorised access, disclosure, alteration, and destruction. These measures include encryption of data in transit and at rest, strict access controls, network security, biometric and two-factor authentication, device and session management, continuous monitoring, and independent security review. While we strive to protect your information, no method of transmission or storage is entirely secure, and you also play an important role by keeping your credentials and devices safe and by reporting any suspected compromise immediately.
7. Data Retention
We retain your personal information for as long as your Account remains open and for such period thereafter as is necessary to comply with our legal, regulatory, tax, accounting, and reporting obligations, to resolve disputes, to prevent fraud and abuse, and to enforce our Terms. Retention periods vary depending on the type of information and the applicable legal requirements. When information is no longer required, we securely delete or anonymise it.
8. Your Privacy Rights
Depending on your jurisdiction, you may have rights in relation to your personal information, including the right to access the information we hold about you; to request correction of inaccurate or incomplete information; to request erasure of your information in certain circumstances; to object to or restrict certain processing; to request portability of information you have provided to us; and to withdraw consent where processing is based on consent. To exercise any of these rights, please contact us using the details below. We will respond within the timeframes required by Applicable Law and may need to verify your identity before acting on your request. Certain rights may be limited where we are required to retain information to comply with legal obligations.
9. Cookies and Similar Technologies
We use cookies and similar technologies to operate the platform, remember your preferences (including language and country), maintain your session securely, analyse usage, and enhance and personalise your experience. Some cookies are strictly necessary for the Services to function, while others are used for analytics and personalisation. You can manage certain cookie preferences through your browser settings, although disabling some cookies may affect the functionality of the Services.
10. Children's Privacy
The Services are intended for individuals who are at least eighteen (18) years of age, or the age of legal majority in their country of residence. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a person below the required age, we will take reasonable steps to delete such information promptly.
11. Automated Processing and Fraud Prevention
We use automated processing, including risk scoring and pattern analysis, to detect and prevent fraud, money laundering, and other unlawful or non-compliant activity, and to make certain eligibility and monitoring decisions. Where automated processing produces a decision that significantly affects you, you may, where required by Applicable Law, request human review of that decision by contacting us.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, our Services, or Applicable Law. We will notify you of material changes through the platform, by email, or by in-app notification, and will indicate the date on which the revised Policy takes effect. We encourage you to review this Policy periodically. Your continued use of the Services after the effective date constitutes your acceptance of the revised Policy.
13. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact us at support@novitapay.com or visit https://novitapay.com. We are committed to addressing your privacy concerns promptly, fairly, and transparently, and to upholding the highest standards of data protection across every market we serve.