Privacy Policy

3.1 Account and profile information

• full name;
• email address;
• mobile phone number;
• password and login credentials;
• verification status;
• role or account type (for example customer, merchant, or provider account);
• profile image or avatar, where provided;
• settings and notification preferences, where available.

3.2 Merchant, provider, and business information

• business name, profile name, logo, description, category, type, and offering information;
• legal first name, legal last name, and date of birth for verification purposes;
• business email address, business phone number, website, and social media handles where provided;
• company registration details, entity type, registration number, and related business records;
• proof of residence, proof of banking, tax, licensing, health, identity, or other compliance documents where required;
• bank account holder name, bank name, branch code, account number, account type, payout settings, and related payout information;
• verification outcomes, review notes, rejection reasons, suspension status, and related compliance records.

3.3 Booking, session, order, and transaction information

• booking, session, reservation, or order identifiers;
• merchant and profile identifiers;
• selected offerings, quantities, pricing, totals, deposits, balance amounts, fees, and settlement records;
• scheduled dates, times, time zones, fulfilment type, attendance, reschedules, cancellations, expiry timestamps, and refund-related records;
• payer name, payer email, payer phone number, payment references, transaction IDs, webhook outcomes, refund amounts, and payout allocation records;
• free-text notes, instructions, and inspiration images submitted in connection with a booking or session;
• receipt, bill, fulfilment-code, and payment-status records.

3.4 Communications and support information

• email, SMS, push, and in-app notification records;
• OTP verification events;
• communications sent to or from CHEQIT;
• support requests, complaint details, dispute details, internal resolution notes, and related records where a support or complaint channel is used.

3.5 Technical and usage information

• authentication-session information;
• device and application information;
• browser and request metadata;
• IP address or network-related metadata collected through infrastructure or security tooling;
• crash, log, error, audit, and security-event information;
• notification tokens and delivery metadata;
• feature usage information and platform interaction history.

3.6 Location-related information

We may collect location-related information that you provide manually, such as addresses, operating location, service radius, city, province, country, or postal code. At launch, CHEQIT does not describe continuous background GPS tracking as a core platform feature. If device-based location permissions are introduced later, we may collect location data with your permission where required.

3.7 Content you upload or submit

Where you upload images, merchant content, notes, reviews, profile content, verification documents, or similar materials, we may process those materials as part of operating the Platform, verifying merchants, facilitating bookings, or maintaining platform records.

5.1 To provide the Platform

• create and manage user, merchant, and provider accounts;
• verify email addresses, mobile numbers, and account access;
• enable merchant onboarding, verification, offerings, availability, bookings, sessions, orders, and payouts;
• facilitate customer use of the Platform, including deposits, balances, receipts, notifications, and operational messaging;

5.2 To verify identity, safety, and compliance

• review identity and KYC information;
• detect and prevent fraud, abuse, impersonation, misuse, and unauthorised conduct;
• maintain security, account integrity, and platform trust;
• review or enforce merchant or provider eligibility and status;

5.3 To process payments, refunds, and payouts

• initiate, verify, reconcile, and record payments;
• process or facilitate refunds where applicable;
• manage payout-related information and merchant settlement processes;
• maintain financial, reconciliation, and audit records;

5.4 To communicate with you

• send transactional emails, SMS messages, OTPs, account notices, receipts, and push notifications;
• respond to support requests, complaints, or disputes;
• send service, security, legal, or operational notices;

5.5 To operate, improve, and secure the Platform

• monitor service performance;
• troubleshoot defects and incidents;
• analyse usage for operational improvement;
• maintain logs, audit records, security reviews, and internal controls;

5.6 For legal and regulatory purposes

• comply with applicable law, lawful requests, and recordkeeping obligations;
• enforce CHEQIT’s agreements, terms, and internal rules;
• investigate claims, complaints, chargebacks, or disputes;
• protect CHEQIT, merchants, users, the public, and platform systems;

5.7 For direct marketing where permitted

• send service-related launch updates, product updates, or promotions where legally permitted;
• manage consent and opt-out choices where required by law.

7.1 Between customers, merchants, and providers

Where required for the Platform to function, we may share relevant information between users, merchants, and providers so that bookings, sessions, orders, fulfilment, scheduling, and operational follow-up can take place. This may include names, contact information, booking details, notes, and other information reasonably necessary for the relevant transaction or service.

7.2 With service providers and processors

We may share personal information with third-party providers that help us run the Platform. These may include providers of:

• hosting, infrastructure, database, storage, and authentication services;
• payment initiation, verification, refunds, and payout flows;
• transactional email delivery;
• SMS and OTP delivery;
• push notifications;
• verification, compliance, and KYC support;
• monitoring, logging, security, and operational tooling;
• support and administrative tooling.

7.3 Key categories of providers used by the Platform at launch

7.4 For legal, safety, and dispute-related reasons

• to comply with applicable law, court orders, lawful requests, or regulatory processes;
• to protect CHEQIT, our users, merchants, providers, service providers, or the public;
• to investigate fraud, abuse, security incidents, claims, complaints, chargebacks, or disputes;
• to enforce our agreements, policies, or platform rules;
• to support corporate transactions, insurance matters, or professional advice where lawfully required or reasonably necessary.