Privacy Policy

Effective date: 10th March, 2020

Justpay is one of the platforms of payment technology that utilizes Lanka Pay's CEFTS which has been provided by Spemai (Pvt) Ltd., ("us", "we", or "our"). It is a payment facilitator which allows you to execute transactions using any of the payment options that you have registered for, including but not limited to current account, savings account and any other payment methods made available on Justpay from time to time.

We use your personal information to provide and improve the said Service. By using the Service, you agree to the collection and use of information in accordance with this Policy. We are committed to protecting all Personal Information in our custody and providing our customers with the highest level of customer service.

This Privacy Policy details the manner in which we shall collect, use, disclosure and protect your Personal Information provided by you or obtained by us in the course of providing our Service to you and the choices you have associated with that data.


  1. Scope

  2. The Scope of Policy shall be to detail the Privacy Policy applicable to the Service offered by Spemai (Pvt) Ltd., and set out the manner the Personal Information may be used by us.

  3. What are the Personal Information that we collect

    1. When using our Service, we may ask you to provide us with certain updated relevant personally identifiable information relating to a specific individual ("Personal information/ Personal Data"). Examples of such personal information would include:


    2. We may also collect;


    3. Usage of Data


  4. How to collect your Personal Information

  5. We may collect your personal information;

    1. Directly from you
    2. Over the Telephone and Email
    3. Through the Merchants
    4. Through our marketing campaigns and promotions
    5. Referees
    6. Via Website Usage

  6. Use of Personal Information

  7. We will use your personal information for various purposes such as;

    1. To process your application, provide and maintain the Service
    2. To facilitate for carrying out transactions you wish to make
    3. To provide requested services to you, and bill you for our services and collect any payments outstanding
    4. Protect against and prevent fraud, and other legal or information security risks
    5. Provide you with personalized services and recommendations
    6. To notify you about changes to our Service
    7. To allow you to participate in interactive features of our Service when you choose to do so
    8. To provide customer care and support
    9. To provide customer care and support
    10. To monitor the usage of the Service

  8. Share Your Personal Information

  9. We may share your personal information for the given purposes below;

    1. To store within the Justpay server.
    2. Where we have contracted an external organization to provide us with support services. This may include but is not limited to processing application, marketing support, market research and debt collection. These service providers may be within or outside Sri Lankan jurisdiction.
    3. To our related Companies to provide you with products and services you request and to inform you about other products and services.
    4. To comply with our legal and regulatory obligations.
    5. Where we suspect that unlawful activity has been or may be engaged in and the personal information is a necessary part of our investigation or reporting of the matter to necessary authorities.
    6. To anyone else you authorize us to disclose information to, from time to time.
    7. We reserve the right to amend our prevailing data protection and privacy policy at any time and will place any such amendments on this Website.

  10. How We Protect Your Personal Information

    1. We maintain appropriate and responsible security safeguards to protect the confidentiality and security of all your Personal Information including appropriate procedural, organizational and technical steps to protect Personal Information from accidental or unlawful destruction or accidental loss, alteration or disclosure.
    2. We only retain personal information for the required period of time. Safety processes such as secure computer storage facility, authorized access and other modes are used to safeguard your personal information from misuse, disclosure, modification and unauthorized access. We use secure technology and state of the art security systems to protect your personal information when it is transmitted safely to us through electronic and digital means.
    3. However, even though the security of your data is utmost important to us, remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.Therefore, we do not accept any responsibility whatsoever for any unauthorized access or loss of Personal Information that is beyond our control.
    4. All required processes will be taken into complete deletion of your personal information when it is no longer required or as per your request.

  11. Your Responsibility

  12. You are responsible for the accuracy and completeness of the Personal Information provided to Spemai (Pvt) Ltd.,. Failure to provide the same to us, as required, may result in your application for the Service being rejected, the User Agreement being terminated.


  13. Disclosure of Data

  14. Spemai (Pvt) Ltd., may disclose your Personal Data in the good faith belief that such action is necessary to:

    1. To any party, in compliance with legal and regulatory obligation
    2. To relevant security or law enforcement agencies, provided a valid court order or an authorized legal request is submitted to us, for prevention / detection of crime or prosecution of such offenders.
    3. Prevent or investigate possible wrongdoing in connection with the Service
    4. Protect the personal safety of users of the Service or the public
    5. To any party that acts as Justpay agents or contractors for the purpose of recovering any amount payable to Spemai (Pvt) Ltd.,

  15. Outsourcing the Service

    1. We may employ third party, Company/s, Prop righter/s, Partner/s and individuals to facilitate our Service ("Service Providers") to provide the Service on our behalf to perform Service-related activities or to assist us in analyzing how our Service is used.

    2. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

  16. Children's Privacy

    1. In order to use our Service, person should be above 18 years.
    2. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from a child without verification of parental consent, we take steps to remove that information from our servers.

  17. Links to Other Sites

    1. Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
    2. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

  18. Changes to This Privacy Policy

    1. We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
    2. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

  19. Contact Us

  20. If you have any questions about this Privacy Policy, please contact us:


    We continuously strive to address your feedback and concerns in a timely and effective manner. We look forward to your suggestions and valuable inputs.

    Spemai (Pvt) Ltd., reserves the right to change provisions of this Policy as a whole or in any portion from time to time at its sole discretion with or without notice to the customer

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