{"id":1247,"date":"2025-06-16T07:46:54","date_gmt":"2025-06-16T07:46:54","guid":{"rendered":"https:\/\/lypay.gov.ly\/en\/?page_id=1247"},"modified":"2025-06-16T07:52:58","modified_gmt":"2025-06-16T07:52:58","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/lypay.gov.ly\/en\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"<h2>LYPay for Instant Payment<br \/>\n<\/h2>\n<h3>Privacy Policy<br \/>\n<\/h3>\n<h3>This page explains the Privacy Policy related to the use of this service. It outlines how data is collected, used, and protected when you use the service. We are committed to maintaining the confidentiality of your information and protecting it in accordance with the highest standards.<\/h3>\n<h2>Introduction<\/h2>\n<h3>This policy aims to clarify the privacy protection practices within the LYPay instant payment system, which operates under the supervision of the Central Bank of Libya in cooperation with commercial banks and the Muamalat Company.<br \/>\nWe are committed to ensuring the highest standards of personal data protection for our users and to using this data in accordance with applicable laws.<\/h3>\n<h2>Agreement Acceptance<\/h2>\n<h3>By using LYPay services, you acknowledge that you have read, understood, and agreed to the contents of this policy.<br \/>\nYour continued use of the services constitutes your acceptance of the policies and procedures outlined below.<\/h3>\n<h2>Information Collection<\/h2>\n<h3>\n<p data-start=\"739\" data-end=\"1037\">When using our services through the LYPay system, we may ask you to provide certain necessary information to ensure a safe and smooth user experience.<br data-start=\"918\" data-end=\"921\" \/>We assure you that the information we collect is limited only to what is required to perform our services optimally.<\/p>\n<p data-start=\"1039\" data-end=\"1079\">The information we may collect includes:<\/p>\n<ul data-start=\"1081\" data-end=\"1787\">\n<li data-start=\"1081\" data-end=\"1170\">\n<p data-start=\"1083\" data-end=\"1170\"><strong data-start=\"1083\" data-end=\"1096\">Full Name<\/strong>: To identify you and verify your identity when conducting transactions.<\/p>\n<\/li>\n<li data-start=\"1171\" data-end=\"1278\">\n<p data-start=\"1173\" data-end=\"1278\"><strong data-start=\"1173\" data-end=\"1196\">Mobile Phone Number<\/strong>: Used to send one-time verification codes (OTP) and to contact you when needed.<\/p>\n<\/li>\n<li data-start=\"1279\" data-end=\"1383\">\n<p data-start=\"1281\" data-end=\"1383\"><strong data-start=\"1281\" data-end=\"1325\">International Bank Account Number (IBAN)<\/strong>: To facilitate accurate and secure financial transfers.<\/p>\n<\/li>\n<li data-start=\"1384\" data-end=\"1464\">\n<p data-start=\"1386\" data-end=\"1464\"><strong data-start=\"1386\" data-end=\"1410\">Bank Name and Branch<\/strong>: To validate transactions and route them correctly.<\/p>\n<\/li>\n<li data-start=\"1465\" data-end=\"1610\">\n<p data-start=\"1467\" data-end=\"1610\"><strong data-start=\"1467\" data-end=\"1528\">Details of financial transactions made through the system<\/strong>: To ensure their execution and maintain a reliable record for future reference.<\/p>\n<\/li>\n<li data-start=\"1611\" data-end=\"1787\">\n<p data-start=\"1613\" data-end=\"1787\"><strong data-start=\"1613\" data-end=\"1646\">Login and authentication data<\/strong>: Such as one-time verification codes (OTP) and two-factor authentication (2FA) to protect your account and ensure the security of your data.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1789\" data-end=\"1957\">We commit not to collect any additional personal information that is not necessary for these purposes, and we do not use your data for any external commercial purposes.<\/p>\n<\/h3>\n<h2>Purposes of Using User Data<\/h2>\n<h3>\n<p data-start=\"1959\" data-end=\"2047\">The data collected is used for the following purposes:<\/p>\n<ul data-start=\"2049\" data-end=\"2379\">\n<li data-start=\"2049\" data-end=\"2131\">\n<p data-start=\"2051\" data-end=\"2131\">Executing financial transactions via the LYPay network instantly and securely.<\/p>\n<\/li>\n<li data-start=\"2132\" data-end=\"2197\">\n<p data-start=\"2134\" data-end=\"2197\">Improving and developing the available services and features.<\/p>\n<\/li>\n<li data-start=\"2198\" data-end=\"2284\">\n<p data-start=\"2200\" data-end=\"2284\">Ensuring the integrity of the system and protecting it from fraudulent activities.<\/p>\n<\/li>\n<li data-start=\"2285\" data-end=\"2336\">\n<p data-start=\"2287\" data-end=\"2336\">Meeting regulatory and compliance requirements.<\/p>\n<\/li>\n<li data-start=\"2337\" data-end=\"2379\">\n<p data-start=\"2339\" data-end=\"2379\">Communicating with users when necessary.<\/p>\n<\/li>\n<\/ul>\n<\/h3>\n<h2>User Responsibility for Privacy Protection<\/h2>\n<h3>\n<p data-start=\"2381\" data-end=\"2687\">Users are responsible for maintaining the confidentiality of their credentials such as passwords and OTPs, and for not sharing them with any third party.<br data-start=\"2583\" data-end=\"2586\" \/>Any unauthorized use resulting from negligence in protecting login data is the user\u2019s responsibility.<\/p>\n<p data-start=\"2689\" data-end=\"2813\"><strong data-start=\"2689\" data-end=\"2727\">Disclosure and Information Sharing<\/strong><br data-start=\"2727\" data-end=\"2730\" \/>User information is not shared with external parties except in the following cases:<\/p>\n<ul data-start=\"2815\" data-end=\"3071\">\n<li data-start=\"2815\" data-end=\"2904\">\n<p data-start=\"2817\" data-end=\"2904\">To carry out financial transactions between banks participating in the LYPay network.<\/p>\n<\/li>\n<li data-start=\"2905\" data-end=\"2975\">\n<p data-start=\"2907\" data-end=\"2975\">To comply with legal requests issued by the competent authorities.<\/p>\n<\/li>\n<li data-start=\"2976\" data-end=\"3035\">\n<p data-start=\"2978\" data-end=\"3035\">To prevent or address cases of fraud or security risks.<\/p>\n<\/li>\n<li data-start=\"3036\" data-end=\"3071\">\n<p data-start=\"3038\" data-end=\"3071\">With the user\u2019s explicit consent.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3073\" data-end=\"3360\"><strong data-start=\"3073\" data-end=\"3102\">Privacy Policy Amendments<\/strong><br data-start=\"3102\" data-end=\"3105\" \/>The Central Bank of Libya and its partners reserve the right to amend this policy from time to time.<br data-start=\"3205\" data-end=\"3208\" \/>Any amendment will be published on the official website, and continued use of the services after such amendments constitutes implied acceptance of them.<\/p>\n<p data-start=\"3362\" data-end=\"3515\"><strong data-start=\"3362\" data-end=\"3385\">Further Information<\/strong><br data-start=\"3385\" data-end=\"3388\" \/>For any inquiries or additional clarifications regarding the privacy policy, you can contact us through the following channels:<\/p>\n<ul data-start=\"3517\" data-end=\"3636\">\n<li data-start=\"3517\" data-end=\"3556\">\n<p data-start=\"3519\" data-end=\"3556\"><strong data-start=\"3519\" data-end=\"3528\">Email<\/strong>: [Official Email Address]<\/p>\n<\/li>\n<li data-start=\"3557\" data-end=\"3595\">\n<p data-start=\"3559\" data-end=\"3595\"><strong data-start=\"3559\" data-end=\"3568\">Phone<\/strong>: [Official Phone Number]<\/p>\n<\/li>\n<li data-start=\"3596\" data-end=\"3636\">\n<p data-start=\"3598\" data-end=\"3636\"><strong data-start=\"3598\" data-end=\"3616\">Postal Address<\/strong>: [Official Address]<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3638\" data-end=\"4092\"><strong data-start=\"3638\" data-end=\"3658\">Customer Consent<\/strong><br data-start=\"3658\" data-end=\"3661\" \/>At LYPay, we are always committed to protecting your privacy and being transparent about how your data is handled.<br data-start=\"3775\" data-end=\"3778\" \/>By using our services, you agree to the collection, use, and protection of your information as outlined in this policy.<br data-start=\"3897\" data-end=\"3900\" \/>We assure you that your data will only be used to provide services to you in a secure and convenient manner and will not be used for any other purposes without your prior knowledge or consent.<\/p>\n<\/h3>\n<p><!--more--><br \/>\n<!-- {\"type\":\"layout\",\"children\":[{\"type\":\"section\",\"props\":{\"css\":\"h3{\\n    line-height:1.7!important;}\",\"header_transparent\":true,\"header_transparent_noplaceholder\":false,\"image\":\"wp-content\\\/uploads\\\/2025\\\/06\\\/about-us-bg.svg\",\"image_position\":\"top-center\",\"image_size\":\"contain\",\"media_focal_point\":\"top-center\",\"padding_remove_bottom\":false,\"padding_remove_top\":false,\"style\":\"default\",\"title_breakpoint\":\"xl\",\"title_position\":\"top-left\",\"title_rotation\":\"left\",\"vertical_align\":\"middle\",\"width\":\"xlarge\"},\"children\":[{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\"},\"children\":[{\"type\":\"headline\",\"props\":{\"content\":\"LYPay for Instant Payment\\n\",\"margin_remove_bottom\":true,\"text_align\":\"center\",\"title_color\":\"background\",\"title_element\":\"h2\",\"title_style\":\"h3\"}},{\"type\":\"headline\",\"props\":{\"content\":\"Privacy Policy\\n\",\"margin\":\"small\",\"text_align\":\"center\",\"title_element\":\"h3\",\"title_style\":\"h1\"}},{\"type\":\"headline\",\"props\":{\"block_align\":\"center\",\"content\":\"This page explains the Privacy Policy related to the use of this service. It outlines how data is collected, used, and protected when you use the service. We are committed to maintaining the confidentiality of your information and protecting it in accordance with the highest standards.\",\"margin\":\"small\",\"text_align\":\"center\",\"title_element\":\"h3\",\"title_style\":\"h3\"}}]}]},{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\"},\"children\":[{\"type\":\"headline\",\"props\":{\"content\":\"Introduction\",\"title_element\":\"h2\",\"title_style\":\"h1\"}},{\"type\":\"headline\",\"props\":{\"content\":\"This policy aims to clarify the privacy protection practices within the LYPay instant payment system, which operates under the supervision of the Central Bank of Libya in cooperation with commercial banks and the Muamalat Company.\\nWe are committed to ensuring the highest standards of personal data protection for our users and to using this data in accordance with applicable laws.\",\"margin\":\"small\",\"title_element\":\"h3\",\"title_style\":\"h3\"}}]}]},{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\"},\"children\":[{\"type\":\"headline\",\"props\":{\"content\":\"Agreement Acceptance\",\"title_element\":\"h2\",\"title_style\":\"h1\"}},{\"type\":\"headline\",\"props\":{\"content\":\"By using LYPay services, you acknowledge that you have read, understood, and agreed to the contents of this policy.\\nYour continued use of the services constitutes your acceptance of the policies and procedures outlined below.\",\"margin\":\"small\",\"title_element\":\"h3\",\"title_style\":\"h3\"}}]}]},{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\"},\"children\":[{\"type\":\"headline\",\"props\":{\"content\":\"Information Collection\",\"title_element\":\"h2\",\"title_style\":\"h1\"}},{\"type\":\"headline\",\"props\":{\"content\":\"\n\n<p data-start=\\\"739\\\" data-end=\\\"1037\\\">When using our services through the LYPay system, we may ask you to provide certain necessary information to ensure a safe and smooth user experience.<br data-start=\\\"918\\\" data-end=\\\"921\\\" \\\/>We assure you that the information we collect is limited only to what is required to perform our services optimally.<\\\/p>\\n\n\n<p data-start=\\\"1039\\\" data-end=\\\"1079\\\">The information we may collect includes:<\\\/p>\\n\n\n<ul data-start=\\\"1081\\\" data-end=\\\"1787\\\">\\n\n\n<li data-start=\\\"1081\\\" data-end=\\\"1170\\\">\\n\n\n<p data-start=\\\"1083\\\" data-end=\\\"1170\\\"><strong data-start=\\\"1083\\\" data-end=\\\"1096\\\">Full Name<\\\/strong>: To identify you and verify your identity when conducting transactions.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"1171\\\" data-end=\\\"1278\\\">\\n\n\n<p data-start=\\\"1173\\\" data-end=\\\"1278\\\"><strong data-start=\\\"1173\\\" data-end=\\\"1196\\\">Mobile Phone Number<\\\/strong>: Used to send one-time verification codes (OTP) and to contact you when needed.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"1279\\\" data-end=\\\"1383\\\">\\n\n\n<p data-start=\\\"1281\\\" data-end=\\\"1383\\\"><strong data-start=\\\"1281\\\" data-end=\\\"1325\\\">International Bank Account Number (IBAN)<\\\/strong>: To facilitate accurate and secure financial transfers.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"1384\\\" data-end=\\\"1464\\\">\\n\n\n<p data-start=\\\"1386\\\" data-end=\\\"1464\\\"><strong data-start=\\\"1386\\\" data-end=\\\"1410\\\">Bank Name and Branch<\\\/strong>: To validate transactions and route them correctly.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"1465\\\" data-end=\\\"1610\\\">\\n\n\n<p data-start=\\\"1467\\\" data-end=\\\"1610\\\"><strong data-start=\\\"1467\\\" data-end=\\\"1528\\\">Details of financial transactions made through the system<\\\/strong>: To ensure their execution and maintain a reliable record for future reference.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"1611\\\" data-end=\\\"1787\\\">\\n\n\n<p data-start=\\\"1613\\\" data-end=\\\"1787\\\"><strong data-start=\\\"1613\\\" data-end=\\\"1646\\\">Login and authentication data<\\\/strong>: Such as one-time verification codes (OTP) and two-factor authentication (2FA) to protect your account and ensure the security of your data.<\\\/p>\\n<\\\/li>\\n<\\\/ul>\\n\n\n<p data-start=\\\"1789\\\" data-end=\\\"1957\\\">We commit not to collect any additional personal information that is not necessary for these purposes, and we do not use your data for any external commercial purposes.<\\\/p>\",\"margin\":\"small\",\"title_element\":\"h3\",\"title_style\":\"h3\"}}]}]},{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\"},\"children\":[{\"type\":\"headline\",\"props\":{\"content\":\"Purposes of Using User Data\",\"title_element\":\"h2\",\"title_style\":\"h1\"}},{\"type\":\"headline\",\"props\":{\"content\":\"\n\n<p data-start=\\\"1959\\\" data-end=\\\"2047\\\">The data collected is used for the following purposes:<\\\/p>\\n\n\n<ul data-start=\\\"2049\\\" data-end=\\\"2379\\\">\\n\n\n<li data-start=\\\"2049\\\" data-end=\\\"2131\\\">\\n\n\n<p data-start=\\\"2051\\\" data-end=\\\"2131\\\">Executing financial transactions via the LYPay network instantly and securely.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"2132\\\" data-end=\\\"2197\\\">\\n\n\n<p data-start=\\\"2134\\\" data-end=\\\"2197\\\">Improving and developing the available services and features.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"2198\\\" data-end=\\\"2284\\\">\\n\n\n<p data-start=\\\"2200\\\" data-end=\\\"2284\\\">Ensuring the integrity of the system and protecting it from fraudulent activities.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"2285\\\" data-end=\\\"2336\\\">\\n\n\n<p data-start=\\\"2287\\\" data-end=\\\"2336\\\">Meeting regulatory and compliance requirements.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"2337\\\" data-end=\\\"2379\\\">\\n\n\n<p data-start=\\\"2339\\\" data-end=\\\"2379\\\">Communicating with users when necessary.<\\\/p>\\n<\\\/li>\\n<\\\/ul>\",\"margin\":\"small\",\"title_element\":\"h3\",\"title_style\":\"h3\"}}]}]},{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\"},\"children\":[{\"type\":\"headline\",\"props\":{\"content\":\"User Responsibility for Privacy Protection\",\"title_element\":\"h2\",\"title_style\":\"h1\"}},{\"type\":\"headline\",\"props\":{\"content\":\"\n\n<p data-start=\\\"2381\\\" data-end=\\\"2687\\\">Users are responsible for maintaining the confidentiality of their credentials such as passwords and OTPs, and for not sharing them with any third party.<br data-start=\\\"2583\\\" data-end=\\\"2586\\\" \\\/>Any unauthorized use resulting from negligence in protecting login data is the user\\u2019s responsibility.<\\\/p>\\n\n\n<p data-start=\\\"2689\\\" data-end=\\\"2813\\\"><strong data-start=\\\"2689\\\" data-end=\\\"2727\\\">Disclosure and Information Sharing<\\\/strong><br data-start=\\\"2727\\\" data-end=\\\"2730\\\" \\\/>User information is not shared with external parties except in the following cases:<\\\/p>\\n\n\n<ul data-start=\\\"2815\\\" data-end=\\\"3071\\\">\\n\n\n<li data-start=\\\"2815\\\" data-end=\\\"2904\\\">\\n\n\n<p data-start=\\\"2817\\\" data-end=\\\"2904\\\">To carry out financial transactions between banks participating in the LYPay network.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"2905\\\" data-end=\\\"2975\\\">\\n\n\n<p data-start=\\\"2907\\\" data-end=\\\"2975\\\">To comply with legal requests issued by the competent authorities.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"2976\\\" data-end=\\\"3035\\\">\\n\n\n<p data-start=\\\"2978\\\" data-end=\\\"3035\\\">To prevent or address cases of fraud or security risks.<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"3036\\\" data-end=\\\"3071\\\">\\n\n\n<p data-start=\\\"3038\\\" data-end=\\\"3071\\\">With the user\\u2019s explicit consent.<\\\/p>\\n<\\\/li>\\n<\\\/ul>\\n\n\n<p data-start=\\\"3073\\\" data-end=\\\"3360\\\"><strong data-start=\\\"3073\\\" data-end=\\\"3102\\\">Privacy Policy Amendments<\\\/strong><br data-start=\\\"3102\\\" data-end=\\\"3105\\\" \\\/>The Central Bank of Libya and its partners reserve the right to amend this policy from time to time.<br data-start=\\\"3205\\\" data-end=\\\"3208\\\" \\\/>Any amendment will be published on the official website, and continued use of the services after such amendments constitutes implied acceptance of them.<\\\/p>\\n\n\n<p data-start=\\\"3362\\\" data-end=\\\"3515\\\"><strong data-start=\\\"3362\\\" data-end=\\\"3385\\\">Further Information<\\\/strong><br data-start=\\\"3385\\\" data-end=\\\"3388\\\" \\\/>For any inquiries or additional clarifications regarding the privacy policy, you can contact us through the following channels:<\\\/p>\\n\n\n<ul data-start=\\\"3517\\\" data-end=\\\"3636\\\">\\n\n\n<li data-start=\\\"3517\\\" data-end=\\\"3556\\\">\\n\n\n<p data-start=\\\"3519\\\" data-end=\\\"3556\\\"><strong data-start=\\\"3519\\\" data-end=\\\"3528\\\">Email<\\\/strong>: [Official Email Address]<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"3557\\\" data-end=\\\"3595\\\">\\n\n\n<p data-start=\\\"3559\\\" data-end=\\\"3595\\\"><strong data-start=\\\"3559\\\" data-end=\\\"3568\\\">Phone<\\\/strong>: [Official Phone Number]<\\\/p>\\n<\\\/li>\\n\n\n<li data-start=\\\"3596\\\" data-end=\\\"3636\\\">\\n\n\n<p data-start=\\\"3598\\\" data-end=\\\"3636\\\"><strong data-start=\\\"3598\\\" data-end=\\\"3616\\\">Postal Address<\\\/strong>: [Official Address]<\\\/p>\\n<\\\/li>\\n<\\\/ul>\\n\n\n<p data-start=\\\"3638\\\" data-end=\\\"4092\\\"><strong data-start=\\\"3638\\\" data-end=\\\"3658\\\">Customer Consent<\\\/strong><br data-start=\\\"3658\\\" data-end=\\\"3661\\\" \\\/>At LYPay, we are always committed to protecting your privacy and being transparent about how your data is handled.<br data-start=\\\"3775\\\" data-end=\\\"3778\\\" \\\/>By using our services, you agree to the collection, use, and protection of your information as outlined in this policy.<br data-start=\\\"3897\\\" data-end=\\\"3900\\\" \\\/>We assure you that your data will only be used to provide services to you in a secure and convenient manner and will not be used for any other purposes without your prior knowledge or consent.<\\\/p>\",\"margin\":\"small\",\"title_element\":\"h3\",\"title_style\":\"h3\"}}]}]}]}],\"version\":\"4.5.19\",\"yooessentialsVersion\":\"2.3.12\"} --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>LYPay for Instant Payment Privacy Policy This page explains the Privacy Policy related to the use of this service. 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