Privacy Policy for SSLCOMMERZ Consumer.

This privacy policy document contains types of information that are collected and recorded by us and how we use them.

SSLCOMMERZ Consumer is a digital payment management application provided by SSL Wireless / SSLCOMMERZ.

This Privacy Policy explains how we collect, use, store, protect, and share information when users access or use the SSLCOMMERZ Consumer mobile application.

By using SSLCOMMERZ Consumer, you agree to the practices described in this Privacy Policy.

1. Information We Collect

By registering for or using the SSLCOMMERZ Consumer App, users consent to the collection, processing, storage, and sharing of their information as described in this Privacy Policy and in accordance with applicable laws and regulatory requirements.

We may collect the following categories of information to provide secure payment-related services.

1.1 Personal Information

We may collect information including:

Full name
Mobile number
Account profile information
User identification details required for verification
App usage and account activity information
Any other information necessary to provide SSLCOMMERZ services

1.2 Payment and Card Information

When you add or manage payment cards through the App, we may process:

Masked card number
Card brand or card type
Card issuer or bank name
Card expiry date
Tokenized card information
Card verification status

We do not display full card information after it has been saved. Sensitive card data is processed securely in accordance with applicable payment security standards and regulatory requirements.

1.3 Transaction Information

We may collect and display transaction-related information, including:

Transaction ID
Transaction amount
Merchant or payee name
Transaction date and time
Payment type
Transaction status
Card-wise payment history

1.4 Toll Payment and Vehicle Information

If you use toll payment services, we may collect:

Vehicle registration information
Toll service registration details
Supported bridge or toll service information
Toll payment status
OTP verification status

1.5 Device and Technical Information

To improve security and application performance, we may collect:

Device type and model
Operating system version
App version
IP address
Device identifiers
Crash logs and diagnostic information
Security and fraud-prevention signals

1.6 Camera Access

Camera permission may be used for:

Card scanning
Other App features that require camera functionality

Where supported, users may manually enter information instead of using the camera.

2. How We Use Your Information

We use the information we collect to:

Provide and manage SSLCOMMERZ Consumer services
Enable users to view and manage transactions
Support card scanning, manual card entry, and card management
Verify card ownership and user actions through OTP
Support toll payment registration and vehicle management
Improve application performance, reliability, and user experience
Detect, prevent, and investigate fraud, misuse, or unauthorized activities
Comply with applicable legal, regulatory, payment network, and security requirements
Provide customer support and service-related communications

3. How We Share Information

We do not sell users’ personal information.

Information may be shared only when necessary with:

Payment processors and banking partners
Card networks and financial institutions
Toll payment service providers
Verification and OTP service providers
Technology and infrastructure service providers
Regulatory authorities, law enforcement agencies, or government bodies where required by law
Authorized internal teams responsible for support, compliance, security, and operations

Any sharing is limited to what is necessary to provide services, maintain security, or comply with applicable laws and regulations.

4. Data Security

We implement appropriate technical and organizational safeguards to protect user information against unauthorized access, disclosure, alteration, or destruction.

Our security measures may include:

Encryption
Secure transmission protocols
Tokenization of sensitive payment information
Access controls
Activity monitoring
Fraud detection and prevention mechanisms
Secure infrastructure and system logging

Although we take reasonable measures to protect your information, no method of electronic transmission or storage is completely secure.

The App may also use cookies, Software Development Kits (SDKs), device identifiers, and similar technologies to improve functionality, enhance security, detect fraud, perform analytics, and improve user experience.

Users may manage certain tracking preferences through their device settings where available.

5. Data Retention

We retain user information only for as long as necessary to:

Provide our services
Comply with legal and regulatory obligations
Resolve disputes
Prevent fraud
Enforce agreements

Transaction records, card information, verification records, and toll payment information may be retained as required by applicable laws, financial regulations, audit requirements, and internal compliance obligations.

6. User Choices and Rights

Depending on available features and applicable law, users may:

View transaction history
Manage saved payment cards
Remove saved cards (where supported)
Manage registered vehicles for toll services
Grant, deny, or revoke camera permission through device settings
Contact us regarding privacy-related requests

Subject to applicable law, users may also request:

Access to personal information
Correction of inaccurate information
Deletion of personal information
Restriction of certain processing activities

Certain information may be retained where required for legal, regulatory, security, or recordkeeping purposes.

Account Closure

Users may request account closure subject to applicable legal, regulatory, security, and record-retention requirements.

Certain transaction and verification records may continue to be retained even after account closure where required by law.

7. App Permissions

The App may request the following permissions.

Camera

Used for:

Card scanning
Other camera-based App features

Manual entry is available where supported.

Internet / Network Access

Required to securely connect with:

SSLCOMMERZ services
Payment systems
OTP services
Toll service providers

Notifications

Used to deliver:

Service alerts
Transaction updates
Verification messages
Important account notifications

Users may manage permissions through their device settings.

8. Third-Party Services

The App may use trusted third-party service providers for:

Payment processing
OTP verification
Analytics
Infrastructure services
Crash reporting
Fraud prevention
Toll payment operations

These providers process only the minimum information required to perform their services and are expected to comply with applicable security and data protection requirements.

SSLCOMMERZ may also use automated monitoring and security systems to detect suspicious activities, prevent fraud, assess transaction risks, and protect users and the platform.

9. Children’s Privacy

SSLCOMMERZ Consumer is intended only for users who are legally eligible to use payment and financial services.

The App is not intended for children, and we do not knowingly collect personal information from children.

10. International Data Processing

User information may be processed or stored in Bangladesh or in other jurisdictions where our infrastructure or service providers operate, subject to applicable legal, regulatory, and security requirements.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Any updates will be posted on this page together with a revised Effective Date.

Continued use of the App after such updates constitutes acceptance of the revised Privacy Policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the processing of your personal information, please contact us.

Company
SSLCOMMERZ

Email
support@sslcommerz.com

Website
https://sslcommerz.com/

Address
Borak Zahir Tower, 1 Kazi Nazrul Islam Avenue, Karwan Bazar, Dhaka: 1215