Payo Group Realtors ("PAYO", "we", "our", or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, disclose, and protect your information when you use our website, dashboard, and related services (together, the "Platform").
By accessing or using the Platform, you agree to the practices described in this Privacy Policy.
1. Information We Collect
We may collect the following categories of information:
Account Information
When you register or sign in, we may collect:
- Full name
- Email address
- Phone number
- Account login credentials
- Your account role (buyer, agent, or service provider)
- Basic profile details from Google, such as your name, email address, and profile photo, if you choose to sign in with Google
Profile and Verification Information
Depending on how you use the Platform, we may collect:
- Buyer preferences, including preferred locations, property types, listing types, and budget range
- Agent details, including licence number, WhatsApp number, and professional social media links
- Service provider details, including service category, licence number, location, website, business description, pricing, and logo
- Identity and verification (KYC) documents, where required to approve an agent or service provider account
Property and Listing Information
When you create or manage a listing, we collect:
- Property details, features, and amenities
- Property address and map location
- Photos, cover images, and floor plans
- Pricing, deposits, service charges, and availability
Enquiries and Tour Requests
When you contact us, an agent, or a service provider, we collect:
- Your name and contact details
- The content of your message or enquiry
- The property or service you are enquiring about
- Preferred tour dates and times
Platform Activity
We collect information relating to:
- Saved listings
- Searches and filters used
- Listings and profiles viewed
- Property recommendations shown to you
- Newsletter subscriptions
Payment Information
Where a fee applies, such as a property tour fee, payments are processed securely through trusted third-party payment providers. Depending on your payment method, these providers may collect:
- Mobile phone number
- Transaction reference
- Payment authorisation information
We do not store your debit or credit card details.
Technical Information
We automatically collect:
- IP address
- Browser type
- Device information
- Operating system
- Time zone
- Pages visited
- Referring website
- Cookies
- Usage statistics
2. How We Use Your Information
We use your information to:
- Create and manage your account
- Verify and approve agents and service providers
- Publish and manage property listings
- Connect buyers and tenants with agents, property owners, and service providers
- Schedule and manage property tours
- Recommend properties that match your preferences
- Process payments where fees apply
- Respond to enquiries and provide customer support
- Send newsletters and property insights you have subscribed to
- Improve the Platform and our services
- Detect and prevent fraud, fake listings, and abuse
- Comply with legal obligations
- Generate anonymous statistics and analytics
3. Legal Basis for Processing
Where applicable, we process personal information under one or more of the following legal grounds:
- Your consent
- Performance of a contract
- Compliance with legal obligations
- Legitimate business interests
- Protection of vital interests
4. Compliance with Data Protection Laws
PAYO complies with applicable data protection legislation including:
- Kenya Data Protection Act, 2019
- Data Protection (General) Regulations
- Data Protection (Registration of Data Controllers and Data Processors) Regulations
- GDPR where applicable to our users
5. Sharing Your Information
We do not sell your personal information.
Because PAYO is a marketplace, some information is shared to make it work:
- When you send an enquiry or tour request, your name, contact details, and message are shared with the agent, property owner, or service provider you contacted.
- Agent and service provider profiles, including business details, are displayed publicly on the Platform.
- Listings, including photos and pricing, are displayed publicly. Listers may choose whether to show a property's exact address.
We may also share information with trusted service providers including:
- Payment processors
- Cloud hosting and file storage providers
- Email and SMS notification providers
- Mapping and location providers
- Authentication providers, such as Google
- Analytics providers
These providers are required to maintain appropriate confidentiality and security measures. We may also disclose information where required by law or to protect the rights and safety of our users.
6. Payment Security
Payments made on PAYO are securely processed through licensed payment service providers.
Depending on your location, payment methods may include:
- M-Pesa
- Debit cards
- Credit cards
- Mobile money
- Bank transfers
PAYO never stores complete payment card information.
7. Cookies
We use cookies to:
- Keep users logged in
- Remember preferences
- Improve website performance
- Measure website traffic
- Personalise content and property recommendations
- Enhance security
You can accept or decline optional cookies using the cookie banner, change your choice at any time from "Cookie Settings" in the footer, or disable cookies through your browser settings, although some features may no longer function properly. See our Cookie Policy for details.
8. Communications
We may send:
- Account and verification updates
- Enquiry and tour request notifications
- Listing status updates
- Payment receipts
- Security notifications
- Service announcements
- Newsletters and marketing communications (where consent has been provided)
You may unsubscribe from promotional communications at any time.
9. Data Retention
We retain personal information only as long as necessary to:
- Provide our services
- Comply with legal obligations
- Resolve disputes
- Enforce our agreements
When data is no longer required, it is securely deleted or anonymised.
10. Data Security
We implement reasonable technical and organisational safeguards including:
- SSL/TLS encryption
- Secure servers
- Access controls
- Password protection
- Regular backups
- Security monitoring
While we strive to protect your information, no online transmission or storage system can be guaranteed to be completely secure.
11. Your Rights
Subject to applicable law, you may have the right to:
- Access your personal information
- Correct inaccurate information
- Delete your personal information
- Restrict processing
- Object to processing
- Withdraw consent
- Request data portability
- Lodge a complaint with the Office of the Data Protection Commissioner (Kenya) or another relevant supervisory authority
Requests may be submitted using the contact information below.
12. International Data Transfers
Where personal information is transferred outside Kenya, we implement appropriate safeguards to ensure it remains protected in accordance with applicable law.
13. Children's Privacy
PAYO is intended for persons aged 18 years or older.
We do not knowingly collect personal information from children under the age of 18.
14. Third-Party Links
The Platform may contain links to third-party websites, including agent and service provider websites and social media profiles.
We are not responsible for the privacy practices or content of external websites.
Users should review the privacy policies of any third-party websites they visit.
15. Fraud Prevention
To protect our users and the Platform, we may use automated and manual checks to detect:
- Fake or misleading listings
- Fraudulent transactions
- Suspicious login attempts
- Unauthorised account access
- Automated bots
- Abuse of our services
Accounts or listings involved in suspicious activities may be suspended pending investigation.
16. Changes to This Privacy Policy
We may revise this Privacy Policy from time to time.
Any updates will be published on this page together with the revised effective date.
Continued use of the Platform after changes take effect constitutes acceptance of the revised policy.
17. Contact Information
If you have questions regarding this Privacy Policy or wish to exercise your privacy rights, please contact us:
Payo Group Realtors
Address: Spur Mall, Ruiru, Kenya
Phone: +254 725 655 501
Email: admin@payogrouprealtors.com
Website: www.payogrouprealtors.com