Privacy Policy

Mulla Africa’s utilities and bill payments solutions available on web. mobile and other application services are operated and provided by AFROSAVANT DIGITAL TECHNOLOGY SOLUTIONS LIMITED, with Registered Company Number: 7467022.

If you have any questions about this privacy notice or any other queries or complaints, our helpful customer support team is here to help - please contact us using one of the following options:

Email us: support@mulla.africa or chat with us live on the website; www.mulla.africa

The personal data we collect and process about you is necessary for us to provide our services. This data is used to identify you and may include information you provide to us, as well as data collected through the Application.

Any personal data you provide about your family and friends while using the services will be subject to our "Friends and Family Privacy Notice" because we are a data controller in this respect. Please note that you are responsible for informing these individuals that their personal data may be processed by Mulla Africa and for making them aware of our "Friends and Family Privacy Notice."

We may collect and process the following data about you.

• Contact Information: We collect basic details like your name, email address, and phone number. In rare cases, we might require government-issued ID or social media handles for verification.
• Payment Information: We need some details to process payments securely. This includes your cardholder name, parts of your credit/debit card information, billing address, and limited chargeback data. We may also accept payment through Paypal or utility bills in specific situations.
• Transaction Information: We keep track of your transaction amounts and currencies to ensure accurate billing.
• Device Information: We collect data from your device to improve our services. This includes your IP address, basic activity logs, device identifiers, and (with your permission) contact information from your device address book. We may also use cookies and similar technologies to track your activity on our platform.
• Communication and Feedback: Any messages you send us (including complaints), information you provide to customer care, or reviews you post about Mulla Africa are stored for reference.
• Transaction History: We keep a record of your past transactions, including dates, times, and service providers used for your convenience.
• Third-Party Information: If you allow access to your device's contacts, we might collect basic information like names, phone numbers, and emails to facilitate transactions for your family and friends. Additionally, we collect the phone number or email of the recipient for top-up services.
• For more details on cookies, please see our Cookie Policy.

When you register for or utilize our Services, you supply us with your personal information. We may also gather personal details about you from outside sources, like third-party direct marketing companies or in the event of chargebacks.

Additionally, when you use our Applications, connect with our customer support, or conduct transactions, we obtain information about you. Your device or browser may automatically release some data when you access our Applications (such as browser settings, IP address, device type, operating system, language settings, dates and times of connection to an Application, or other technical communications information), some of which may constitute personal data

• Complete your requests: This includes processing payments, refunds, and chargebacks for your transactions. (Fulfilling your contract)
• Deliver your purchases: We need your data to send the service you requested and any receipts or confirmations. (Fulfilling your contract)
• Improve our services: We use some data to analyze usage and improve the Mulla Africa experience for everyone. (Legitimate business interest)
• Stay in touch: We may contact you about your service, respond to your messages, or notify you of app or service changes. (Fulfilling your contract or legitimate business interest)
• We may also use your data for:
• Marketing (with your permission): We may send you information about products, services, or promotions you might be interested in, but only if you agree to it. (Consent)
• There are other reasons we use your data that are required by law, such as:
• Security and fraud prevention
• Accounting and legal compliance
We will always be transparent about how we use your data. If we need your data for something not listed here, we will ask for your permission first.

Yes, we utilize automated statistical analysis of the personal data we gather about you to meet our legal obligations to detect and prevent fraud, dishonesty, and other crimes. This automated processing helps us screen for potentially suspicious transactions or identify transactions that might be subject to international sanctions.

What are your rights when automated decisions are made? If solely automated decisions significantly or legally impact you, you hold the right to express your perspective and request a review of those decisions by a member of our staff.

Without your personal information or if you object to the use of specific personal data, it may not be possible for us to offer you our Services.

• People You Choose: You control who sees your information. We can share data with anyone you tell us to, like friends or family receiving a top-up.
• Service Providers: We partner with companies to deliver our services. This includes mobile operators, payment processors, and data analysis companies (e.g Google Analytics.)
• Authorities: We may share data with legal or regulatory bodies if required by law, for fraud prevention, or to investigate a crime.
• Our Business Needs: We may share data with advisors, auditors, or potential buyers to operate Mulla Africa effectively.
• Additional Notes:
• Recipients of your top-up or prepaid products may see your name. You can control if they can send you a thank-you message through your account settings.
• Mulla Africa doesn't control data practices of third-party services you connect with through our app. Always review their privacy policies before using them.

To safeguard your personal data from accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access, and other illegal or unauthorized forms of processing, we have put in place appropriate technical and organizational security measures in accordance with data protection laws.

It is your responsibility to ensure that any personal information you provide to us is sent securely.

To comply with our legal obligations and carry out the previously stated purposes, we will keep your personal data for the necessary amount of time. We will determine the duration of data retention based on the following criteria:

• It is necessary to maintain an ongoing relationship with you, such as providing our services or including you in our direct marketing lists, from which you have not opted out.
• It is within the scope of the purposes outlined in this notice and where a valid legal basis exists.
• It complies with the applicable limitation period under the law and a reasonable time after it concludes.

Once the aforementioned periods have passed, we will take the following steps:

• Permanently delete or destroy the relevant personal data.
• Archive your personal data, making it inaccessible for use.
• Anonymize the relevant personal data.

With your consent or when local laws allow, Mulla Africa may use your personal information to send you SMS, email, or in-app notifications about pertinent products and services. This includes information about products and services comparable to those you've purchased from us previously.

At the time of registration, you will be given the chance to opt-in. You can also opt-out at any time, free of charge, by:

• For SMS and email, use the unsubscribe option in the SMS or email sent to you by Mulla Africa.
• Sending an email to support@mulla.africa.

Furthermore, Mulla Africa does not sell or share your personal information with any subsidiary companies or third parties for marketing or profit-making purposes.

• Control Your Data:
• Access and Update: You have the right to see the information we hold about you and correct any mistakes.
• Deletion and Restriction: In some cases, you can request to delete your data or limit how we use it.
• Object to Decisions: You can object to automated decisions made about you (like profiling) based on your data.
• Data Portability: You can request a copy of your data to transfer to another service.

• Exercising Your Rights:
• To make any of these requests, simply contact us at support@mulla.africa or use the live chat on our website (www.mulla.africa). We'll respond within one month.

• About Your Consent:
• We typically rely on your permission to use your data. You can withdraw your consent at any time, but this will only affect future processing, not past actions.

We may update this privacy notice from time to time. If we make any material changes, we will notify you by posting a notice on our Applications and/or, where appropriate, by sending you a notification.