Privacy Policy

Last updated: (date to be set at launch)

What this covers

This policy explains what information Transxact (Fiji) Ltd ("we", "us") collects

and what we do with it. "You" is a business that uses Transxact, or a customer

paying through it.

What we collect

To set up and run your account we collect:

• your legal name and business details,
• your mobile number (which we verify with a one-time code),
• your TIN,
• a photo of your ID,
• your Fiji bank account number, and
• records of every payment, payout, and refund.

To process a payment we collect the transaction details: the amount, the

payment method, and the customer's mobile number where the payment network

provides it (for example, M-PAiSA returns the payer's number with the result).

Why we collect it

We collect this so we can:

• run the payment service you asked for,
• verify who you are, as Fiji law (the FTR Act) requires,
• protect against fraud and money laundering, and
• meet our record-keeping and reporting duties to the Reserve Bank of Fiji and

the Financial Intelligence Unit.

How long we keep it

Fiji law requires us to keep records for seven years. We keep the records we

must keep for that long, and no longer than we need them otherwise.

Who we share it with

We share only what is needed:

• with the payment network you choose (M-PAiSA, MyCash, or the card network),

so the payment can happen,

• with our sponsor bank, to pay money out to your bank account,
• with the Reserve Bank of Fiji and the Financial Intelligence Unit, where the

law requires (for example, suspicious-transaction or cash reports).

We do not sell your information.

Security

We encrypt personal information at rest and only allow our own staff to see it

when their job requires it (for example, our compliance team during a review).

Your rights

You can ask us what personal information we hold about you and ask us to

correct it. Contact support and we will help.

Changes

If we change this policy in a way that matters, we will tell you in the

Dashboard before the change takes effect.