Yawzay Privacy Policy

Yawzay.com is operated by Yawzay Technologies Pvt. Ltd.

Yawzay Technologies Pvt. Ltd. may act as the digital platform operator, user onboarding facilitator, payment collection and distribution facilitator, transaction-recording platform, wallet-ledger operator, communication channel, and record-maintenance system.

Yawzay Properties Pvt. Ltd. may act as the property management entity, SPV coordinator, property administration company, development coordinator, rental management coordinator, sale coordinator, and operational manager for properties, SPVs, or property opportunities listed or managed through the Platform.

Properties or opportunities listed on the Platform may be structured through special purpose vehicles, project companies, nominee companies, holding companies, or similar legal vehicles (“SPVs”). We may process personal information in connection with such SPVs, property documentation, participant records, property management, rental distribution, sale proceeds, refunds, withdrawals, and other related activities.

When you visit the Platform, create an account, complete KYC, submit a payment, upload payment proof, participate in a property opportunity, request a withdrawal, contact support, or otherwise use our services, we may collect information about you.

This may include:

• Identity information, including your full name, father’s name where required, CNIC/NICOP/passport number, date of birth, nationality, gender, photographs, identity document images, selfie verification, signatures, and other identification information.
• Contact information, including your email address, phone number, WhatsApp number, residential address, mailing address, and emergency or nominee contact details where required.
• Account information, including username, account ID, password credentials in encrypted form, login history, account status, role, dashboard activity, preferences, and security settings.
• KYC and compliance information, including identity verification results, AML checks, sanctions screening, politically exposed person screening, source-of-funds information, occupation, income range, tax information, bank account verification, nominee information, and other due diligence records.
• Payment and transaction information, including deposit details, wallet entries, bank transfer information, payment reference numbers, transaction IDs, payment proof uploads, deposit slips, receipts, screenshots, payment status, refund records, payout records, withdrawal records, rental distribution records, sale proceeds records, and transaction history.
• Bank and payout information, including account title, bank name, branch details, IBAN or account number, payment channel, withdrawal method, and payout verification details.
• Property participation information, including opportunities viewed, participation requests, confirmed participation records, participation percentage, SPV-related records, property documents accepted, voting records, rental distribution eligibility, sale proceeds eligibility, refund eligibility, and related property-specific records.
• Communication information, including emails, support tickets, WhatsApp messages, SMS messages, call records, chat messages, feedback, complaints, inquiries, and other communications sent to or received from us.
• Device and technical information, including IP address, browser type, device type, operating system, device identifiers, session data, login timestamps, location-related information, referral source, pages visited, and Platform usage activity.
• Cookies and analytics information, including information collected through cookies, pixels, tags, analytics tools, advertising tools, and similar technologies.
• Legal and dispute information, including complaints, legal notices, dispute records, investigation records, fraud reports, compliance reviews, audit logs, and regulatory or law-enforcement correspondence where applicable.
• Other information that you voluntarily provide to us or that we reasonably require to provide our services, comply with applicable law, verify transactions, protect users, prevent fraud, or operate the Platform.

We collect and process your information for the following purposes:

• To create, verify, manage, and secure your account.
• To perform KYC, AML, sanctions screening, identity verification, source-of-funds checks, risk checks, and other compliance requirements.
• To verify payments, payment proof, bank transfers, wallet deposits, refunds, withdrawals, payouts, and transaction records.
• To record and manage your participation in property opportunities listed on the Platform.
• To maintain records relating to SPVs, property participation, ownership-linked documentation, rental distributions, voting, sale proceeds, refunds, and withdrawals.
• To facilitate communication between you, Yawzay Technologies Pvt. Ltd., Yawzay Properties Pvt. Ltd., SPVs, developers, property managers, banks, payment providers, legal advisers, auditors, and other authorised parties.
• To provide customer support and respond to your requests, complaints, disputes, or inquiries.
• To send service notifications, account alerts, transaction updates, payment confirmations, KYC updates, legal notices, voting notices, property updates, and Platform announcements.
• To improve the Platform, user experience, security, services, analytics, and operational performance.
• To detect, prevent, investigate, and respond to fraud, unauthorised access, fake payment proof, identity misuse, suspicious activity, money laundering, terrorism financing, sanctions evasion, tax evasion, technical abuse, or other unlawful conduct.
• To comply with legal, regulatory, tax, accounting, audit, corporate, banking, payment, property, KYC, AML, and record-retention obligations.
• To enforce our Terms and Conditions, property-specific documents, payment rules, refund policy, withdrawal rules, and other Platform policies.
• To protect the rights, property, safety, and legitimate interests of Yawzay, our users, SPVs, property partners, service providers, and other relevant parties.
• To send marketing communications, educational content, property opportunity updates, newsletters, or promotional information where permitted by law and your communication preferences.

Because Yawzay deals with property participation, payments, bank transfers, wallet records, withdrawals, rental distributions, and sale-related distributions, we may be required to collect and retain additional information for compliance purposes.

You agree that we may collect, verify, process, and retain KYC, AML, identity, payment, source-of-funds, sanctions-screening, tax, and bank-verification information.

We may use third-party verification providers, banks, payment providers, legal advisers, auditors, compliance consultants, government databases where lawfully available, and other authorised parties to verify your information.

If you do not provide the required information, or if verification is incomplete, failed, suspicious, inconsistent, or legally restricted, we may delay, reject, suspend, restrict, or terminate your account, payment, participation request, withdrawal, refund, distribution, or access to the Platform.

Yawzay may require users to upload payment proof, including bank deposit slips, screenshots, receipts, transaction references, or other evidence of payment.

We may process payment proof to:

• Match payments with Platform records.
• Verify deposits and wallet top-ups.
• Confirm participation requests.
• Prevent fake, duplicate, edited, reversed, or fraudulent payment claims.
• Maintain audit records.
• Resolve payment disputes.
• Comply with tax, accounting, banking, audit, KYC, AML, and legal obligations.

Payment proof may include personal information such as your name, bank account details, transaction reference, payment amount, payment date, bank name, branch information, and other details visible on the uploaded proof.

You must ensure that payment proof submitted by you is accurate, genuine, and lawfully obtained.

The wallet shown on the Platform is a digital ledger and not a bank account.

We may collect, store, and process wallet-related information, including deposits, pending balances, locked balances, verified payments, failed payments, refunds, withdrawals, approved distributions, rental distributions, sale proceeds, admin corrections, reversal records, and transaction history.

Wallet and transaction records may be retained for legal, regulatory, accounting, tax, audit, fraud-prevention, dispute-resolution, and compliance purposes.

When you participate in a property opportunity, we may collect, generate, process, and retain records relating to your participation.

This may include:

• Opportunity viewed or selected.
• Participation amount or percentage.
• Application Form or participation request.
• Accepted terms and disclosures.
• Property-specific documents.
• SPV-related records.
• Voting records.
• Rental distribution records.
• Sale proceeds records.
• Refund and withdrawal records.
• Communication and support history related to the opportunity.
• Legal, tax, audit, or compliance records connected with the opportunity.

Such information may be shared with Yawzay Properties Pvt. Ltd., the relevant SPV, developers, sellers, buyers, tenants, banks, payment providers, legal advisers, auditors, tax advisers, property managers, regulators, courts, and other authorised parties where necessary or legally required.

We may share your personal information with the following parties where necessary for the purposes described in this Privacy Policy:

• Yawzay Technologies Pvt. Ltd., as Platform operator and payment collection/distribution facilitator.
• Yawzay Properties Pvt. Ltd., as property management entity, SPV coordinator, rental management coordinator, sale coordinator, or property administration company.
• SPVs or property-holding entities connected with property opportunities listed or managed through the Platform.
• Developers, sellers, buyers, tenants, brokers, property managers, valuers, contractors, and property service providers where required for property administration, documentation, rental management, sale processing, or dispute handling.
• Banks, payment providers, payment processors, wallet service providers, and financial service providers for payment verification, transaction processing, refunds, withdrawals, payouts, reconciliation, and fraud prevention.
• KYC, AML, identity verification, fraud-prevention, and compliance service providers for verification and risk checks.
• Lawyers, auditors, accountants, tax advisers, compliance advisers, consultants, and professional service providers for legal, tax, regulatory, audit, accounting, and operational purposes.
• Technology providers, including hosting providers, cloud service providers, analytics providers, security providers, email/SMS/WhatsApp communication providers, customer support tools, and software vendors.
• Marketing and communication service providers, where we send permitted promotional, educational, or service-related communications.
• Government authorities, regulators, courts, tribunals, law-enforcement agencies, tax authorities, and other public bodies, where required or permitted by law.
• Potential buyers, investors, successors, assignees, or restructuring parties in connection with a merger, acquisition, restructuring, financing, sale of assets, transfer of business, insolvency, or corporate reorganisation.
• Other third parties approved by you, or where you instruct us to share your information.

We require third parties to respect the security of your personal information and to process it in accordance with applicable law and the purpose for which the information was shared.

We may use, retain, or disclose your information where we believe it is necessary to:

• Comply with applicable law, regulation, court order, government request, regulatory requirement, tax obligation, audit requirement, or legal process.
• Enforce our Terms and Conditions, payment rules, property-specific documents, or other agreements.
• Protect our rights, property, users, Platform, SPVs, employees, partners, or service providers.
• Prevent, detect, investigate, or respond to fraud, suspicious activity, fake payment proof, money laundering, terrorism financing, sanctions evasion, identity misuse, cyber incidents, or other unlawful conduct.
• Establish, exercise, or defend legal claims.
• Cooperate with banks, payment providers, regulators, law-enforcement agencies, courts, auditors, or professional advisers.

Your information may not always be anonymised where identification is required for legal, regulatory, compliance, payment, property, tax, audit, or dispute-resolution purposes.

We may use your contact information to send you updates about Yawzay, property opportunities, platform features, educational content, promotions, surveys, newsletters, and other information that may be relevant to you.

You may opt out of marketing communications by using the unsubscribe option where available or by contacting us.

Even if you opt out of marketing communications, we may still send you important service messages, legal notices, account alerts, KYC updates, transaction notifications, payment confirmations, voting notices, payout notices, security alerts, and other non-marketing communications.

Calls, SMS messages, WhatsApp messages, emails, support chats, and other communications between you and Yawzay may be recorded, monitored, stored, or reviewed for customer service, quality assurance, training, dispute resolution, fraud prevention, legal, compliance, and security purposes.

By communicating with us through these channels, you consent to such recording, monitoring, storage, and processing where permitted by law.

We may use cookies, pixels, tags, analytics tools, advertising tools, and similar technologies when you visit or use the Platform.

Cookies may help us:

• Recognise your device or browser.
• Keep you logged in.
• Remember your preferences.
• Improve Platform performance.
• Understand how users interact with the Platform.
• Personalise your experience.
• Measure marketing performance.
• Detect suspicious or unauthorised activity.

You may set your browser to reject or block cookies. However, some parts of the Platform may not work properly if cookies are disabled.

Third-party vendors, including analytics and advertising providers such as Google, Meta/Facebook, or similar service providers, may use cookies or similar technologies to show ads, measure performance, or understand user activity. Your use of such third-party services may be subject to their own privacy policies and settings.

Yawzay may process payment-related information necessary to verify deposits, wallet top-ups, refunds, withdrawals, rental distributions, sale proceeds, and other transactions.

Where payments are processed through banks, payment gateways, card processors, wallet providers, or other third-party payment providers, those providers may process your payment information according to their own terms and privacy policies.

If card payments or online payment gateways are made available, we do not intend to store full card numbers, CVV codes, or sensitive card authentication data unless expressly stated and legally permitted. Such information is generally handled by authorised payment processors.

For bank transfers, manual deposits, or direct deposits, we may retain transaction references, payment proof, bank account details visible on uploaded documents, payment status, and reconciliation records for verification, audit, fraud-prevention, tax, accounting, legal, and compliance purposes.

We use reasonable administrative, technical, and organisational measures to protect personal information under our control from unauthorised access, misuse, disclosure, alteration, destruction, or accidental loss.

These measures may include access controls, password protection, encryption where appropriate, audit logs, restricted admin access, transaction monitoring, secure hosting, backups, staff controls, and security reviews.

However, no digital platform, internet transmission, payment channel, or storage system can be guaranteed to be completely secure.

You are responsible for keeping your password, login credentials, OTPs, devices, and account access secure. If you suspect unauthorised access to your account, you should immediately change your login details and contact Yawzay support.

We have procedures to respond to suspected data breaches or security incidents.

Where legally required, we may notify affected users, regulators, authorities, banks, service providers, or other relevant parties about a data breach or security incident.

We may also take steps such as suspending accounts, restricting transactions, resetting credentials, preserving logs, investigating suspicious activity, or notifying law-enforcement agencies where appropriate.

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy.

This may include retaining information for:

• Account management.
• KYC, AML, sanctions screening, and compliance.
• Payment verification and transaction records.
• Wallet ledger and audit history.
• Property participation records.
• SPV and property documentation.
• Rental distribution and sale proceeds records.
• Tax, accounting, audit, and corporate records.
• Fraud prevention and security.
• Legal claims and dispute resolution.
• Regulatory or government reporting.
• Business continuity and backup purposes.

Even if you request deletion of your information, we may be required or permitted to retain certain information for legal, regulatory, compliance, tax, accounting, audit, payment, property, security, fraud-prevention, dispute-resolution, or legitimate business reasons.

You may request access to, correction of, or deletion of your personal information by contacting us at:

Email: info@yawzay.com

We may ask you to verify your identity before processing your request.

We may refuse, limit, or delay a request where:

• Your identity cannot be verified.
• The request is unreasonable, repetitive, fraudulent, or unlawful.
• We are required or permitted to retain the information for legal, regulatory, tax, accounting, audit, KYC, AML, payment, property, fraud-prevention, dispute-resolution, or compliance purposes.
• Deletion would affect another user’s rights or records.
• The information is required for an active transaction, investigation, dispute, withdrawal, refund, property participation, SPV record, or legal matter.

Where we cannot delete information, we may retain it only for the purposes for which retention is required or permitted.

You are responsible for ensuring that the information you provide to Yawzay is true, accurate, complete, and up to date.

You must promptly update your account or notify us if your name, contact details, bank account, identity information, tax information, nominee information, or other relevant information changes.

Yawzay shall not be responsible for loss, delay, failed verification, failed payout, wrong communication, or other issues caused by inaccurate, outdated, incomplete, or misleading information provided by you.

Your information may be stored or processed in Pakistan or in other countries where our hosting providers, cloud service providers, communication providers, analytics providers, KYC providers, payment providers, or other service providers operate.

Where information is transferred or processed outside Pakistan, we will take reasonable steps to ensure that such information is handled in accordance with this Privacy Policy and applicable legal requirements.

The Platform is not intended for children or persons who are not legally capable of entering into binding agreements.

We do not knowingly allow minors to participate in property opportunities through the Platform. If we become aware that a minor has provided personal information without lawful authority or guardian consent where required, we may delete, restrict, or suspend the relevant account and information, subject to legal and compliance requirements.

The Platform may contain links to third-party websites, payment providers, KYC providers, social media platforms, property partner websites, developer websites, or other external services.

We are not responsible for the privacy practices, content, security, or policies of third-party websites or services.

You should review the privacy policies and terms of any third-party service before using it or providing information to it.

If Yawzay, Yawzay Technologies Pvt. Ltd., Yawzay Properties Pvt. Ltd., an SPV, or any relevant part of our business is involved in a merger, acquisition, restructuring, financing, sale of assets, insolvency, transfer, or similar transaction, your information may be disclosed or transferred to the relevant buyer, successor, investor, adviser, administrator, liquidator, receiver, or other authorised party.

Any such party may use your information for the purposes described in this Privacy Policy, subject to applicable law.

We may update this Privacy Policy from time to time for legal, regulatory, operational, technical, security, product, or business reasons.

The updated version will be posted on the Platform with a revised “Last Updated” date. We may also notify users through email, dashboard notice, SMS, WhatsApp, or other communication channels where appropriate.

Your continued use of the Platform after the updated Privacy Policy becomes effective means that you accept the updated Privacy Policy.

You are responsible for reviewing this Privacy Policy periodically.

For privacy questions, data requests, account concerns, deletion requests, or complaints, you may contact us at:

Yawzay Technologies Pvt. Ltd.

Email: info@yawzay.com

Address: Shop no#10 , Lutfs Super Market, Zarrar Shaheed Road, Lahore, Pakistan.

Platform Support: https://yawzay.com/#join

By accessing the Platform, creating an account, completing KYC, submitting payment information, uploading payment proof, participating in an opportunity, using the wallet, requesting a withdrawal, or continuing to use Yawzay, you confirm that:

• You have read and understood this Privacy Policy.
• You consent to the collection, use, processing, storage, sharing, and retention of your information as described in this Privacy Policy.
• You understand that your information may be shared with Yawzay Technologies Pvt. Ltd., Yawzay Properties Pvt. Ltd., SPVs, banks, payment providers, KYC providers, developers, property managers, legal advisers, auditors, regulators, courts, and other authorised parties where necessary.
• You understand that certain information may be retained even after a deletion request where required for legal, regulatory, tax, accounting, audit, KYC, AML, payment, property, fraud-prevention, dispute-resolution, or compliance purposes.
• You agree to provide true, accurate, complete, and up-to-date information.