Privacy Policy

Jamlite PayHub ("PayHub", "we", "our", or "us") is a digital payment platform operated by Jamlite Innovations Limited.

PayHub enables customers to pay participating merchants, access digital receipts, split bills, use supported payment methods, participate in loyalty services, and access other payment-related services.

This Privacy Policy applies to the PayHub website, installed web application, merchant portal, payment pages, customer wallet, and related services.

Personal information

• Full name
• Email address
• Telephone number
• Billing and shipping addresses, where applicable
• Account and profile information
• Date of birth and identification information where legally or operationally required

Payment and transaction information

• Transaction amount and currency
• Merchant and order information
• Transaction and payment references
• Card brand and card suffix
• Authorization codes and retrieval reference numbers
• Tokenized payment method identifiers
• Payment, refund, settlement, and receipt information

Merchant onboarding information

• Business registration and tax information
• Business addresses and contact details
• Ownership, director, and authorized-representative details
• Know Your Customer and business verification documents
• Settlement account information
• Store, user, transaction-volume, and payment preferences

Device and usage information

• IP address
• Browser, operating system, and device type
• Application version and diagnostic information
• Login and session activity
• QR-code scans and merchant interactions
• Transaction, receipt, split-bill, and loyalty activity

We may use information to:

• Process, authenticate, and confirm payments
• Send payment confirmations and digital receipts
• Operate Pay Ahead, Pay at Table, Quick Pay, and Split Bill
• Verify and onboard merchants
• Manage merchant settlements, refunds, and disputes
• Detect fraud, abuse, and unauthorized activity
• Provide customer and merchant support
• Maintain transaction, compliance, and audit records
• Improve the performance and reliability of PayHub
• Comply with legal and regulatory obligations

Card and other electronic payments may be processed through approved payment providers and financial institutions, including PowerTranz, Lynk, and other processors integrated with PayHub.

Payment providers receive the information required to authorize, authenticate, settle, reverse, or refund a transaction. Their handling of information may also be governed by their own privacy policies and contractual obligations.

When a customer chooses to save a payment method, PayHub may retain a secure token issued by the payment processor, together with limited identifying information such as the card brand and final digits.

PayHub does not retain the complete payment card number. Saved payment methods may only be used for transactions authorized by the customer or as otherwise permitted under an applicable agreement.

Where wallet or loyalty services are available, PayHub may process wallet activity, participating merchants, loyalty points, reward redemptions, saved merchants, preferences, and digital receipts.

Participating merchants receive only the information reasonably necessary to provide the relevant loyalty, reward, or merchant service.

When Split Bill is used, PayHub may process participant email addresses or telephone numbers, assigned bill items, participant amounts, payment links, payment status, and related transaction information.

Each participant receives access only to the information required to review and pay their assigned share.

PayHub QR codes may contain merchant identifiers, table references, bill references, or secure tokens required to locate a payment request.

PayHub QR codes do not contain complete card numbers, CVV values, or card PINs.

We may share information with service providers where reasonably necessary to operate PayHub, including:

• Participating merchants
• Payment processors and acquiring institutions
• Banking and settlement partners
• Identity, KYC, and business-verification providers
• Fraud-prevention and security providers
• Hosting, email, communications, and support providers
• Regulators, courts, or law-enforcement authorities

We do not sell personal information. Merchants do not receive a customer's complete payment card details from PayHub.

We may use automated and manual procedures to identify suspicious transactions, unauthorized access, abnormal activity, identity-verification concerns, and other security risks.

A transaction or account action may be delayed, restricted, or declined where fraud, misuse, or unauthorized activity is suspected.

PayHub may send:

• Payment confirmations and receipts
• Verification and security messages
• Split-payment invitations and reminders
• Refund and dispute notifications
• Merchant onboarding and account updates
• Important service announcements
• Promotional messages where permitted

Customers may opt out of promotional communications but may continue to receive essential transactional, security, legal, and account-related communications.

PayHub may use cookies, local storage, session storage, device identifiers, and similar technologies to maintain sessions, remember preferences, prevent fraud, improve performance, and understand service usage.

We retain information for as long as reasonably necessary to provide PayHub services, comply with legal and financial recordkeeping requirements, prevent fraud, resolve disputes, enforce agreements, and maintain transaction audit records.

Some information may remain in protected records after an account closes or a deletion request is received where retention is required or permitted by law.

PayHub uses administrative, technical, and organizational safeguards appropriate to the nature of the information processed. These may include:

• Encrypted network communication
• Payment tokenization
• Access controls and role-based permissions
• Authentication and transaction verification
• Audit logging and system monitoring
• Secure storage and credential management
• Software maintenance and security updates

No electronic transmission or storage system can be guaranteed to be completely secure.

Some service providers or payment partners may process or store information outside the country in which the customer or merchant is located.

We take reasonable steps to use service providers that maintain appropriate protections for information under their control.

PayHub is not intended for children below the minimum age required to independently use payment services under applicable law.

We do not knowingly collect personal information from children without appropriate authorization.

Subject to applicable law, individuals may have the right to:

• Request access to their personal information
• Correct incomplete or inaccurate information
• Request deletion of eligible information
• Object to or restrict certain processing
• Withdraw consent where processing depends on consent
• Request a portable copy of eligible information

These rights may be limited where information must be retained for legal, financial, regulatory, security, dispute-resolution, or fraud-prevention purposes.

Participating merchants are responsible for:

• Protecting customer information they receive
• Using information only for authorized business purposes
• Maintaining secure accounts, devices, and systems
• Complying with applicable privacy and consumer laws
• Reporting suspected unauthorized access or data incidents

PayHub may contain links to merchant websites, financial institutions, payment providers, or other third-party services.

Third-party services are governed by their own terms and privacy practices. Jamlite Innovations Limited is not responsible for the privacy practices of independent third parties.

We may revise this Privacy Policy as PayHub services, business practices, legal obligations, or regulatory requirements change.

Material updates may be communicated through the PayHub website, application, email, or another appropriate channel. The date at the beginning of this policy shows when it was most recently updated.

Questions, concerns, and privacy requests may be directed to:

PayHub is designed to support compliance with applicable requirements relating to data protection, payment processing, consumer protection, anti-money laundering, merchant verification, fraud prevention, and financial recordkeeping.

Specific obligations may differ depending on the payment method, merchant, service provider, and jurisdiction involved.