FLUXIOPAY PRIVACY POLICY (POPIA-COMPLIANT)

Last Updated: 27 January 2026

This Privacy Policy explains how FluxioPay collects, uses, stores, and protects personal information in accordance with the Protection of Personal Information Act, 4 of 2013 (“POPIA”).

By using the FluxioPay platform, you consent to the collection and processing of your personal information as described in this Privacy Policy.

1. RESPONSIBLE PARTY

FluxioPay is operated by:

KRIM Group (PTY) LTD

Registration Number: 2016/281306/07

Physical Address: 80 Blandford Road, Northriding, Randburg, South Africa

Website: https://www.fluxiopay.com

Privacy & POPIA Contact Email: queries@fluxiopay.com

KRIM Group (PTY) LTD is the responsible party for purposes of POPIA.

2. PERSONAL INFORMATION WE COLLECT

We may collect and process the following categories of personal information:

Full name and surname
Email address
Contact number
Physical and billing address
Account login credentials (encrypted)
Voucher names, balances, and transaction history
Group account member information (name, surname, email, contact number)
Communications sent to or received from FluxioPay
Device, browser, and usage information

We do not store payment card details.

3. HOW WE COLLECT PERSONAL INFORMATION

Personal information is collected when you:

Register an account on FluxioPay
Create or participate in a Group Account
Purchase or top up a voucher
Convert a voucher into Store Gift Cards
Contact customer support
Use or browse the website

4. PURPOSE OF PROCESSING

We process personal information to:

Register and manage user accounts
Process voucher purchases, top-ups, and conversions
Administer Group Accounts
Deliver Store Gift Cards
Communicate account and transaction updates
Prevent fraud and abuse
Comply with legal and regulatory obligations
Improve platform functionality and user experience

5. LAWFUL BASIS FOR PROCESSING

FluxioPay processes personal information on the following lawful bases:

Consent provided by the user
Performance of a contract
Compliance with legal obligations
Legitimate business interests

6. DISCLOSURE OF PERSONAL INFORMATION

We may share personal information with:

Payment service providers (e.g. PayFast)
Technology and hosting service providers
Email and communication service providers
Third-party retailers for Store Gift Card fulfilment
Regulatory or law enforcement authorities where required by law

We do not sell personal information to third parties.

7. GROUP ACCOUNTS

For Group Accounts:

Group member information is visible to the Account Owner
Group members may view voucher balances and transaction history
Group members cannot access administrative controls
FluxioPay is not responsible for disputes between group members

8. COOKIES AND TRACKING

FluxioPay uses cookies and tracking technologies to:

Improve website performance
Analyse usage patterns
Enhance user experience

We may use:

Google Analytics
Facebook Pixel

Users may control cookies through browser settings.

9. DATA SECURITY

FluxioPay implements reasonable technical and organisational measures to protect personal information against:

Unauthorised access
Loss or destruction
Misuse or alteration

Users remain responsible for safeguarding their login credentials.

10. DATA RETENTION

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

Fulfil the purposes outlined in this policy
Comply with legal and regulatory requirements
Resolve disputes

Voucher and transaction records may be retained for audit and compliance purposes.

11. DATA SUBJECT RIGHTS

You have the right to:

Access your personal information
Request correction or deletion of personal information
Object to processing in certain circumstances
Withdraw consent where applicable

Requests may be submitted to: queries@fluxiopay.com

12. INTERNATIONAL TRANSFERS

Personal information may be processed or stored outside South Africa where service providers operate internationally, subject to appropriate safeguards.

13. CHANGES TO THIS POLICY

FluxioPay may update this Privacy Policy from time to time. Updated versions will be published on the Platform.

14. CONTACT

For privacy-related queries or complaints, contact:

queries@fluxiopay.com