Unicpay ("Unicpay", "we", "us") is operated by UNICORNSJCTE and available as a website at unicfinance.app and as a mobile application on Google Play. This policy explains what personal data we collect, why we collect it, who we share it with, and the choices you have. By using Unicpay you agree to this policy.
1. Information we collect
- •Account information — your name, email address, and profile picture when you sign in with email or Google. Signup also collects your first name, legal last name, full address, city, country, date of birth, phone number with country code, national ID card number, and an ID card or passport upload. We record the signup agreement version and time you accept it.
- •Transfer details — the amount you send, the recipient's name, country, delivery method, and payout account details you enter when making a remittance.
- •Saved recipients — recipient details you choose to save to reuse in future transfers.
- •Invoices and payment links — the invoices you create, the payment links you generate, and their payment status.
- •Payment information — records of how you fund your account (crypto deposits and USSD top ups) and the payment status of your transfers, invoices, and payment links. We do not collect or store card numbers.
- •Transaction history — records of the transfers, invoices, and payments associated with your account.
- •Technical data — device type, app version, and crash or error reports used to keep the service working.
2. How we use your information
- •To create and secure your account and sign you in.
- •To process your transfers, top ups, invoices, and payment links.
- •To show live exchange rates and explain fees before you confirm a transfer.
- •To maintain your transaction history and provide downloadable receipts.
- •To detect fraud, comply with anti-money-laundering obligations, and meet legal requirements.
- •To provide customer support and improve the service.
We do not sell your personal data, and we do not use it for third-party advertising.
3. Who we share it with
- •Authorised Unicpay support staff — review identity signup records for account security, fraud prevention and support. Signup notifications are intended for support@unicfinance.app and info@unicornsjcte.com; sensitive ID information is accessed in a restricted staff area, not public email attachments.
- •Google — when you choose "Sign in with Google", Google shares your name, email, and profile picture with us.
- •Payout and banking partners — recipient details are shared with the providers we use to deliver funds to your recipient.
- •Hosting and infrastructure providers — data storage and authentication services that process data on our behalf.
- •Authorities — where required by law, court order, or to prevent fraud and financial crime.
4. Data retention
We keep transaction records for as long as required by financial regulations (typically a minimum of five years after a transaction). Account information is kept while your account is active. You can request deletion of your account and personal data at any time (see section 7); some transaction records may be retained where the law requires it.
5. Security
Your data is transmitted over encrypted connections (HTTPS) and stored with our infrastructure provider using industry-standard safeguards. We never collect or store payment card numbers on our servers. Identity documents are stored privately and can only be opened by authorised staff using short-lived access links. Passwords are handled by the sign-in service and are never forwarded to support staff.
6. Your rights
Depending on where you live, you may have the right to access, correct, export, or delete your personal data, to object to or restrict certain processing, and to lodge a complaint with your local data protection authority. To exercise any right, contact us at the address below.
7. Account and data deletion
You can request deletion of your Unicpay account and personal data at any time by emailing info@unicornsjcte.com from the email address linked to your account, with the subject "Delete my account". We will verify your identity and delete your account within 30 days, except for transaction records we must keep to comply with financial regulations.
8. Children
Unicpay is not intended for anyone under 18. We do not knowingly collect data from children. If you believe a minor has created an account, contact us and we will remove it.
9. Changes to this policy
We may update this policy as the service evolves. We will post the new version on this page with an updated date, and material changes will be announced in the app.
10. Contact us
Questions about this policy or your data can be sent to info@unicornsjcte.com.