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PRIVACY POLICY

​Last Updated: 06 August 2026

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1. Introduction

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Welcome to Paypay89.

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Paypay89 is a payment gateway service operated by Pay89 Tech Limited, a wholly owned subsidiary of Online Finance Limited, a registered New Zealand Financial Service Provider (FSP1011411).

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At Paypay89, we are committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you visit our website, use our payment gateway, merchant services, or otherwise interact with us.

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We comply with the New Zealand Privacy Act 2020 and any other applicable privacy and data protection laws.

By accessing or using our website or services, you agree to the collection and use of information in accordance with this Privacy Policy.

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2. Information We Collect

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Depending on how you interact with Paypay89, we may collect the following information.

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Identity Information

 

  • Full name

  • Company name

  • Position or job title

  • Date of birth (where required)

  • Government-issued identification

  • Identity verification information

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Contact Information

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  • Email address

  • Telephone number

  • Business address

  • Billing address


Merchant Information

 

  • Business registration details

  • Company directors and beneficial ownership information

  • Banking information

  • Payment preferences

  • Settlement instructions


Transaction Information

 

  • Payment transactions

  • Settlement records

  • Payout information

  • Refund information

  • Payment method used

  • Transaction timestamps

  • Currency information


Technical Information

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  • IP address

  • Browser type

  • Device information

  • Operating system

  • Website usage information

  • Cookies

  • Login records


Communications

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  • Support requests

  • Emails

  • Telephone conversations

  • Live chat communications

  • Merchant onboarding correspondence

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3. How We Collect Information

 

We collect information:

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  • directly from you;

  • when you complete forms on our website;

  • when you create a merchant account;

  • when you integrate with our Payment Gateway API;

  • when transactions are processed;

  • when you contact our support team;

  • from identity verification providers;

  • from banking partners;

  • from payment service providers;

  • from publicly available sources where permitted by law;

  • from regulatory or compliance databases where required.

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4. How We Use Your Information

 

We use your information to:

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  • verify your identity;

  • onboard merchants;

  • perform Know Your Customer (KYC) checks;

  • comply with Anti-Money Laundering and Counter Financing of Terrorism (AML/CFT) obligations;

  • comply with sanctions screening requirements;

  • provide payment gateway services;

  • process payments;

  • process settlements;

  • process payouts;

  • process refunds;

  • manage merchant accounts;

  • provide customer support;

  • detect and prevent fraud;

  • investigate suspicious activity;

  • monitor system security;

  • improve our products and services;

  • communicate important service updates;

  • comply with legal and regulatory obligations;

  • enforce our agreements;

  • protect our legal rights.

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5. Payment Processing

 

As part of providing our payment gateway services, payment transactions may be processed through banking partners, payment service providers, settlement providers, foreign exchange providers, and other licensed financial institutions.

 

Only the information necessary to complete payment processing and settlement activities is shared with these providers.

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6. Who We Share Information With

 

We may disclose your personal information to:

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  • Online Finance Limited;

  • companies within our corporate group;

  • banking partners;

  • payment processors;

  • settlement providers;

  • foreign exchange providers;

  • identity verification providers;

  • fraud prevention providers;

  • cloud hosting providers;

  • technology service providers;

  • customer support providers;

  • auditors;

  • legal advisers;

  • regulators;

  • law enforcement agencies where required;

  • any person authorised by law;

  • any person authorised by you.

  • We never sell your personal information to third parties.

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7. International Transfers

 

Because we provide international payment services, your information may be processed or stored in countries outside New Zealand.

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Where information is transferred internationally, we take reasonable steps to ensure it receives a level of protection comparable to that required under the New Zealand Privacy Act 2020.

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8. Data Security

 

Protecting your information is extremely important to us.

 

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information against:

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  • unauthorized access;

  • unauthorized disclosure;

  • misuse;

  • alteration;

  • loss;

  • destruction.

 

Our systems use industry-standard security practices, including encryption where appropriate, secure authentication mechanisms, access controls, and continuous monitoring.

While no system can guarantee absolute security, we continually review and improve our security practices.

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9. PCI DSS

 

Paypay89 provides a PCI DSS-compliant payment gateway designed to protect payment data during processing.

Where applicable, sensitive payment information is processed in accordance with applicable PCI DSS security standards.

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10. Cookies

 

Our website uses cookies and similar technologies to:

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  • remember your preferences;

  • improve website performance;

  • maintain secure login sessions;

  • analyse website traffic;

  • detect fraudulent activity;

  • improve our services.

 

You may disable cookies through your browser settings, although certain features of our website may not function correctly.

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11. Data Retention

 

We retain personal information only for as long as necessary to:

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  • provide our services;

  • comply with legal obligations;

  • satisfy regulatory record-keeping requirements;

  • resolve disputes;

  • prevent fraud;

  • enforce our agreements.

 

When information is no longer required, we securely delete or anonymize it where reasonably practicable.

 

12. Your Rights

 

Subject to applicable law, you have the right to:

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  • request access to your personal information;

  • request correction of inaccurate information;

  • request updates to your information;

  • withdraw marketing consent;

  • make a privacy complaint.

 

To protect your privacy, we may request proof of identity before processing any request.

 

13. Third-Party Websites

 

Our website may contain links to third-party websites.

 

We are not responsible for the privacy practices or content of those websites. We encourage you to review their privacy policies before providing personal information.

 

14. Changes to this Policy

 

We may update this Privacy Policy from time to time.

 

The latest version will always be published on our website together with the effective date.

 

15. Contact Us

 

If you have any questions regarding this Privacy Policy or wish to exercise your privacy rights, please contact our Privacy Officer.

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Pay89 Tech Limited
Trading as Paypay89

Email: info@paypay89.com

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