Third-Party Services and Providers Disclosure
1. Purpose & Transparency Obligation
This Third-Party Services and Providers Disclosure ("Provider Disclosure") provides full transparency regarding the external technology partners, identity verification services, cloud infrastructure, and payment rail gateways utilized by [Paytali Technologies Ltd. / Operating Entity] ("Paytali") to deliver its peer-to-peer exchange matching platform.
All external vendors operate under strict Data Processing Agreements (DPAs) and confidentiality obligations in compliance with the Egyptian Personal Data Protection Law (PDPL Law 151/2020) and the Nigeria Data Protection Act 2023 (NDPA).
2. Comprehensive Table of Third-Party Providers
The table below itemizes the primary third-party services integrated across the Paytali ecosystem:
| Provider Name | Service Role | Data Categories Processed | Jurisdiction |
|---|---|---|---|
| Smile ID | Biometric KYC, ID Verification & PEP/Sanctions Checks | Government ID numbers, document photos, selfie facial liveness telemetry | South Africa / Nigeria / UK |
| Clerk | User Authentication & Multi-Factor Security (MFA) | Email address, verified phone number, session tokens, device IP | United States / EU |
| Amazon Web Services (AWS) | Cloud Infrastructure, Encrypted Databases & Object Storage | Encrypted database volumes, S3 private KYC document storage, ledger entries | Global / Ireland / US-East |
| Paystack | Merchant Security Collateral Deposit Processing | Merchant banking transaction metadata and deposit confirmations | Nigeria / United States |
| AWS Simple Email Service (SES) | Transactional Email & Security Alerts | User email address, order completion receipts, password reset links | Global / United States |
| Termii / Twilio | SMS One-Time Password (OTP) Verification | Verified mobile phone number and numerical OTP codes | Nigeria / United States |
3. External Payment Rails & Settlement Aggregators
To facilitate peer-to-peer settlement, users directly interact with external payment rails:
- InstaPay (Central Bank of Egypt): Direct bank-to-bank instant transfers inside Egypt;
- Vodafone Cash, Orange Money, Etisalat Cash: Egyptian mobile wallet payments;
- NIBSS (Nigeria Inter-Bank Settlement System): Direct commercial banking NIP transfers in Nigeria;
- Wave, Orange Money, MTN MoMo: Mobile money transfers across Francophone West Africa (XOF).
Note: These external rails operate under their own terms of service and banking licenses. Paytali does not custody funds transferred across these networks.
4. Strict Data Processing Boundaries
Paytali does not sell, rent, or monetize personal user data to third parties. All external providers are bound by explicit contractual covenants prohibiting them from using Paytali customer data for their own marketing, advertising, or profiling purposes.