Last Updated on January 10, 2022

This Privacy Policy describes how BlacPay Inc., doing business as BlacPay+R2O, and its related companies ("we," "us," and "our") collect, use, and share your information when you visit our website located at www.r2o.blacpay.com and any of our other websites (our "Websites"), use our mobile applications, if any, (our "Apps"), interact with our application program interfaces and other services we make to interact with you through social networks (such social networks, "Social Networks"; our services that interact with Social Networks, "Social Network Services"), or use other services (our Websites, Apps, Social Network Services and related services are collectively our "Services"). This Privacy Policy does not apply to any websites or applications that we do not operate or other websites that have their own privacy policies, including Social Networks. By using any of our Services, you are consenting to the practices described in this Privacy Policy.

We use the term "Personal Information" in this Privacy Policy to mean any information that can be used to personally identify you, including anonymous information that can be used to personally identify you when used in connection with other information.

We collect Personal Information from you directly through our Services (for example, when you create an account on our Websites or Apps) and by communicating directly with you by telephone and by email. Personal Information that we may collect from you directly includes the following: your name, mailing address, billing address, phone number, username, password, and demographic information.

Through our Services we may request your permission to collect certain information from you on your mobile device (for example, your photographs, information about your contacts in an address book application, or your list of personal connections on a Social Network). If you give us permission to do so, we may share your Personal Information collected in this manner (subject to this Privacy Policy) and send communications to your contacts or Social Network connections about our Services and products available through our Services.

We automatically track and collect the Personal Information about you and your device(s), including your browser type, your operating system, your IP address and device identifiers, your browsing behavior, websites that you visit before or after our Websites, and other technical data about you and your device(s).

We use "cookies" and other data collection tools to gather Personal Information and customize our Services to you. Cookies are small files stored on your device by a web server. We may use both session cookies (that expire when you close your web browser) and persistent cookies (that stay on your device until you delete them). Our Services may use cookies from third-parties (including third-party advertisers) that are placed on your device when you use our Services. These third-parties may collect Personal Information through the use of cookies and other data collection tools to track your activity on the internet over time and across third-party websites when you use our Services.

Finally, we may collect Personal Information about you from third parties and commingle that information with information we collect in other ways. In particular, we may collect Personal Information about you when you use Social Networks (for example, by posting to your feed), when you log into our Website, App, or Social Network Services using your credentials from Social Networks or other third-party websites or applications (for example, when you authorize Facebook to log in and create an account for you on our Website, Apps, or other Services), and when you use our Social Network Services (for example, when you communicate with us through Social Networks to purchase products). We may also collect Personal Information about you from third-party service providers such as payment processors and other businesses that we partner with to offer our Services or sell products through the Services.

We use your Personal Information to provide, operate, maintain, and improve our Services and products we offer (including conducting market research). We use your Personal Information to communicate with you about our Services and products, about our company, and about your account generally. We may use your Personal Information to send you promotional material from some of our partners. We may use your Personal Information to provide you customer service. We use your Personal Information to improve the security of our Services and to anticipate and respond to unauthorized, fraudulent, or unlawful activity. We may use your Personal Information to personalize the Services to you, including in communications to you through our Social Network Services and in advertising through our Services and through third-party services (including advertising on other websites that we do not operate). If you give us permission on your mobile device, we may send you promotional and non-promotional "push" notifications to your mobile devices about our Services and products available on our Services.

We may share your Personal Information with third-party vendors, consultants and service providers that work with us in administering and providing the Services and/or selling products. We may share your Personal Information with our employees, independent contractors, and any parent, subsidiary, or affiliated business entity. We may share aggregated information and reasonably non-identifying information with third-parties for advertising, industry research and analysis, demographic profiling, and other similar purposes. We may also share your Personal Information with third parties to deliver relevant advertising and promotional offers to you. This includes advertising that are served by third-parties to you on our behalf on other websites. Although we may use third-parties to serve advertising to you (including, for example, personalized advertising served to you through Facebook), we do not control or review the technologies that those third-parties may use on their websites (for example, cookies) to track and collect Personal Information about you. We may also share your Personal Information with your consent.

If you interact with our Social Network Services (for example, by "liking" products available through our Services), certain Public Information, such as your image, name, and other information you choose to provide, may be displayed publicly and/or to your personal connections on Social Networks (for example, by posting to your feed or your connections’ feeds). Most Social Networks allow you to control what, if any, of your Personal Information is shared on those Social Networks based on your interactions with services like our Social Network Services. Please review the privacy policies and customizable settings of the Social Networks you belong to in order to learn more about controlling how your information is shared on those Social Networks.

If we become subject to a bankruptcy or insolvency proceeding or if we are acquired in connection with a merger, acquisition, or asset sale, your Personal Information may be disclosed or transferred to the third-party acquiring us.

When permitted or required by law, we may disclose your Personal Information to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate: (1) to respond to claims and legal proceedings (including subpoenas and court orders); (2) to protect our property, rights, and safety; (3) to protect the property, rights, and safety of a third party or the public in general; and (4) to stop any activity that we believe is illegal, unethical, or legally actionable.

We take reasonable measures to protect the information that we collect from or about you (including your Personal Information) from unauthorized access, use or disclosure. However, no method of transmitting information over the internet or storing information is completely secure. Accordingly, we cannot guarantee the absolute security of any information.

Many web browsers and devices allow you to transmit "do not track" signals that express your preference not to be tracked across different websites and over time. We currently do not take action in response to "do not track" signals or other similar mechanisms.

If you are a Nigeria, Europe, UK, US and Canada resident, we will provide you upon your request a list of your Personal Information that has been shared with third parties for direct marketing purposes during the preceding calendar year and the identity of those third parties. To make such a request, contact us at the email address or postal address below in the Contact section.

While we do collect information about the children of our adult customers, our Services are not directed to children under 13 and we do not knowingly collect Personal Information from children under 13. If we learn that we have collected Personal Information from a child under 13, we will take steps to delete such information as soon as possible.

We may change this Privacy Policy from time to time. If we change this Privacy Policy, we will post the updated version on this website and update the "Last Updated" date above.

Your use of our Services is also subject to our Terms of Use which are available at https://www.r2o.blacpay.com, which control if there is any inconsistency between this Privacy Policy and our Terms of Use.

To contact us about this Privacy Policy, please email us at admin@blacpay.com or send us your information at:

BlacPay Inc.

10205 Longfellow Ave

Oakland, CA 94603

BlacPay UK LTD.

272 Bath Street,

Glasgow G2 4JR

BlacPay Nigeria LTD.

Teslim Elias Close 

Victoria Island Lagos