BulldozerPay Privacy Policy

Last Updated: April 2026

AFS HOLDINGS SARL (“we,” “us,” or “our”) operates BulldozerPay. This Privacy Policy explains how we collect, use, and protect your information.

1. Information We Collect

Account Information:

-Name, phone number, email address -Business name and registration details -National ID (CNI) for verified merchants -Bank account details for settlements

Transaction Information:

-Payment amounts, dates, and methods -Transaction history and receipts -Device and terminal identifiers

Technical Information:

-Device type, operating system -IP address, location data -App usage and performance data

2. How We Use Your Information

We use your information to:

-Process payments and settlements -Verify your identity and business -Provide transaction receipts and history -Improve our services and app performance -Communicate service updates and support -Comply with legal and regulatory requirements -Assess eligibility for financing products

3. Information Sharing

We share your information with:

Payment Partners: To process transactions (mobile money providers, card networks, settlement banks)

Settlement Partners: To distribute funds to your account

Regulatory Authorities: When required by law or regulation

Service Providers: For hosting, analytics, and SMS delivery

We do NOT sell your personal information to third parties.

4. Data Security

We protect your information using:

-Encrypted data transmission (SSL/TLS) -Secure cloud infrastructure -Access controls and authentication -Regular security assessments

5. Data Retention

We retain your information for:

-Active accounts: Duration of account plus 5 years -Transaction records: 10 years (regulatory requirement) -Closed accounts: As required by law

6. Your Rights

You have the right to:

-Access your personal information -Correct inaccurate information -Request deletion (subject to legal requirements) -Withdraw consent for marketing communications

Contact us at info@bulldozerpay.com to exercise these rights.

7. Cookies and Tracking

Our website and app may use cookies and similar technologies to:

-Remember your preferences -Analyze usage patterns -Improve user experience

8. Children's Privacy

BulldozerPay is not intended for use by individuals under 18 years of age. We do not knowingly collect information from minors.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes via the app or email.

10. Contact Us

For questions about this Privacy Policy:

AFS HOLDINGS SARL

Douala, Cameroon

Email: info@bulldozerpay.com

This Privacy Policy is governed by the laws of the Republic of Cameroon.