Privacy Policy for Youth Access Card by GekoPay

Last Updated: June 5, 2025

1. Introduction

Welcome to Youth Access Card, a digital financial platform created by gekopay and designed to connect young people in Cameroon with accredited financial institutions and services through a single, easy-to-use interface. At Youth Access Card, we are committed to protecting your privacy and ensuring the security of your personal information.

This Privacy Policy explains how we collect, use, store, disclose, and protect your information when you access or use our website, mobile application, or any other service provided by Youth Access Card (collectively referred to as the “Service”).

By using our Service, you agree to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree with any part of this policy, please do not use our Service.

2. Information We Collect

We may collect several types of information from and about users of our Service:

2.1 Personal Identification Information
- Full name
- Date of birth
- Gender
- National ID number or Passport number
- Mobile phone number
- Email address
- Residential address
- Occupation and income level (for certain services)

2.2 Financial Information
- Bank account details
- Mobile money wallet information
- Transaction history
- Loan application data
- Investment preferences

2.3 Device and Usage Information
- IP address
- Device type and operating system
- Browser type
- App usage patterns
- Location data (with your consent)
- Log-in times and session duration

2.4 Communication Data
- Messages sent through our app
- Customer support inquiries
- Feedback or survey responses

2.5 Third-party Information
- Credit reports or scores from authorized credit bureaus
- Information from partner financial institutions
- Social media profile information (if linked)

3. How We Use Your Information

We use your information to:

- Create and manage your Youth Access Card account
- Provide and personalize our services (e.g., recommend investment options based on your profile)
- Facilitate transactions (transfers, loans, investments)
- Verify your identity and comply with legal requirements (KYC/AML)
- Improve our platform through analytics and user feedback
- Communicate with you regarding your account, updates, or promotions
- Detect, prevent, and respond to fraud or unauthorized access
- Comply with applicable laws and regulations

4. Sharing of Information

We may share your information under the following circumstances:

4.1 With Partner Institutions
To provide services such as loans, savings, or investments, we may share your information with accredited banks, microfinance institutions, insurance companies, and other partners.

4.2 With Service Providers
We may engage third parties to assist with payment processing, customer support, marketing, analytics, and IT services. These providers are contractually obligated to maintain the confidentiality of your data.

4.3 For Legal Compliance
We may disclose your information if required by law, court order, or government regulation, or to cooperate with investigations into unlawful activities.

4.4 In Case of Business Transfers
If Youth Access Card is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified of any such change.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze traffic, and improve our services. These may include:

- Session cookies: Temporary cookies that expire when you close your browser.
- Persistent cookies: Remember your preferences across sessions.
- Analytics tools: Google Analytics or similar tools to understand user behavior.

You can adjust your browser settings to refuse cookies, but some features of the Service may not function properly.

6. Data Security

We implement industry-standard security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. These include:

- Encryption of sensitive data (SSL/TLS protocols)
- Secure authentication methods
- Regular security audits
- Restricted internal access to sensitive data

Despite our efforts, no method of transmission over the internet or electronic storage is 100% secure. Therefore, while we strive to protect your information, 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 Privacy Policy, unless a longer retention period is required by law. When your data is no longer needed, it will be securely deleted or anonymized.

8. Your Rights and Choices

As a user, you have the right to:

- Access the personal information we hold about you.
- Correct inaccurate or incomplete information.
- Delete your account and associated data (subject to regulatory obligations).
- Object to the processing of your data for marketing or profiling purposes.
- Withdraw consent where processing is based on your consent.
- Request data portability where applicable.

To exercise these rights, please contact us at privacy@gekopay.com.

9. Children’s Privacy

Our Service is intended for individuals aged 18 and above. If you are under 18 years old, you must have parental or guardian consent to use the Service. We do not knowingly collect personal information from children under 18.

10. International Data Transfers

Some of the entities with whom we share your information may be located outside of Cameroon. By using our Service, you consent to the transfer of your data to countries with different data protection laws, provided appropriate safeguards are in place.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. Any changes will be posted on our Platform with a revised effective date. Your continued use of the Service after such changes constitutes acceptance of the updated policy.

12. Contact Us

Email: privacy@yacpay.cm  
Phone: +237 680 027 705  
Address: Intendance, Yaounde, Cameroon

Thank you for trusting Youth Access Card with your personal information. We are committed to transparency, integrity, and security in all our operations.

By using our Service, you acknowledge that you have read, understood, and agreed to this Privacy Policy.