✅ Consentement & Opt-In des Utilisateurs
En créant un compte Itiapay, les utilisateurs consentent explicitement à recevoir des notifications SMS, incluant :
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Mots de Passe à Usage Unique (OTP) pour la vérification du compte
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Alertes de Transaction pour les opérations financières
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Notifications de Sécurité pour les activités suspectes
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Mises à Jour du Compte importantes
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Activités de Carte Virtuelle (création, rechargement, transactions)
Texte Exact d’Opt-In :
“J’accepte de recevoir des notifications SMS de Itiapay, incluant les OTP pour la vérification, les alertes de transaction, les notifications de sécurité et les mises à jour importantes du compte. Je comprends que des frais de messagerie peuvent s’appliquer et je peux me désabonner à tout moment en contactant le support.”
2. Objectif des Notifications SMS
| Type | Objectif | Fréquence |
|---|---|---|
| OTP (Mot de Passe Unique) | Vérification, authentification, confirmation de transaction | 2–5/mois |
| Alertes de Transaction | Dépôts, retraits, paiements | Par transaction |
| Alertes de Sécurité | Tentatives suspectes, changements de mot de passe | Selon déclenchement |
| Notifications Carte Virtuelle | Création, recharge, gel/dégel, transactions | Par activité |
3. Droits des Utilisateurs (RGPD)
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Droit d’accès
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Droit de rectification
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Droit à l’effacement
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Droit à la limitation du traitement
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Droit d’opposition
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Droit à la portabilité
Pour exercer vos droits :
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Email Support : support@itiapay.com
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Email Confidentialité : privacy@itiapay.com
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Email DPO : dpo@itiapay.com
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Délai de réponse : maximum 30 jours
Dernière mise à jour : 31 octobre 2025
Version : 1.0
Société : Itiapay Mobile Wallet
📱 SMS & OTP Notification Policy
Effective Date: October 31, 2025
Company: Itiapay Mobile Wallet
Last Updated: October 31, 2025
✅ User Consent & Opt-In Declaration
By registering for an Itiapay account, users explicitly consent to receive SMS notifications, including:
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One-Time Passwords (OTP) for account verification and authentication
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Transaction Alerts for all financial operations
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Security Notifications for suspicious activities
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Account Updates and important service information
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Virtual Card Activities (creation, recharge, transactions)
Exact Opt-In Text (As Displayed to Users):
“I agree to receive SMS notifications from Itiapay, including One-Time Passwords (OTP) for account verification, transaction alerts, security notifications, and important account updates. I understand that message and data rates may apply, and I can opt-out at any time by contacting support.”
1. Purpose of SMS Notifications
Itiapay uses SMS to send essential communications to users for the following purposes:
| Type | Purpose | Frequency |
|---|---|---|
| OTP (One-Time Password) | Account verification, login authentication, transaction confirmation | As needed per action |
| Transaction Alerts | Deposits, withdrawals, transfers, payments | Per transaction |
| Security Alerts | Suspicious login attempts, password changes | As triggered |
| Virtual Card Notifications | Card creation, recharge, freeze/unfreeze, transactions | Per card activity |
| Service Updates | Account information and maintenance notifications | Occasional |
2. When SMS Notifications Are Sent
🔐 OTP (One-Time Password)
Sent for:
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Account registration and phone verification
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Login authentication (2FA)
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Password reset
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Transaction confirmation
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Withdrawal requests
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Virtual card operations
💰 Transaction Notifications
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Money received or sent
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Deposits and withdrawals
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Virtual card recharges
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Bill payments
🔒 Security Notifications
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Login from a new device
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Password changed
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Account settings modified
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Suspicious activity detected
3. User Consent & Opt-In Process
📋 How Users Consent
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During Registration
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User provides phone number
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Checks the SMS consent box (required)
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Cannot complete registration without consent
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Verification
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OTP sent to verify phone ownership
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Confirmation Stored
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Consent date/time recorded
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IP address logged for compliance
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🚫 How Users Can Opt-Out
Users may opt out of promotional SMS only.
OTP and security SMS cannot be disabled (they are essential for account security and regulatory compliance).
To opt out of non-essential SMS:
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Email: card@itiapay.com
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In-app: Settings → Notifications → SMS Preferences
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Reply “STOP” to promotional SMS
4. Data Protection & Privacy
📊 Information Collected
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Phone number
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Consent date
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Delivery status
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IP address
🔒 How We Protect Your Data
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Encrypted phone numbers
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Secure SMS gateway (Infobip)
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No third-party sharing
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GDPR and local compliance
5. SMS Provider Information
Provider: Infobip (https://www.infobip.com)
Used for:
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OTP codes
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Transaction and security alerts
Infobip complies with international data protection standards and GDPR.
6. Message Frequency & Charges
| Type | Frequency | User Charges |
|---|---|---|
| OTP Codes | 2–5/month | Standard SMS rates |
| Transaction Alerts | Per transaction | Standard SMS rates |
| Security Alerts | As triggered | Standard SMS rates |
| Service Updates | 1–2/month | Standard SMS rates |
Itiapay does not charge for SMS. Carrier message and data rates may apply.
7. Compliance & Legal Basis
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GDPR Article 6(1)(a) – Consent for promotional messages
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GDPR Article 6(1)(b) – Contractual necessity (OTP/security)
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ePrivacy Directive – Electronic communication compliance
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Local Regulations – National telecom laws
Consent Requirements Met:
✓ Freely given
✓ Specific and informed
✓ Unambiguous (checkbox action required)
✓ Revocable (except essential security SMS)
8. User Rights
Under GDPR, users have the right to:
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Access SMS data
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Correct their phone number
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Request account deletion
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Limit non-essential SMS
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Object to promotional messages
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Receive data in portable format
To exercise your rights:
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Email: privacy@itiapay.com
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DPO: dpo@itiapay.com
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Response time: within 30 days
9. Contact Information
Company: Itiapay Mobile Wallet
Support: support@itiapay.com
Privacy Email: privacy@itiapay.com
DPO: dpo@itiapay.com
SMS Provider: Infobip – https://www.infobip.com/contact
