Privacy
Privacy Policy
Version 1.2Effective 9 October 2026Data Protection Act No. 3 of 2021
PaySight handles some of the most sensitive information a business holds — what people are paid, their NRC numbers, how to pay them. This is exactly what happens to it.
In short
- For your own account, we're responsible for your data. For your employees' payroll data, you are — we only process it on your instructions.§ 2
- Your data is stored in London, in the United Kingdom. Spreadsheets you upload are partly read by an AI service in the United States to work out their columns.§ 6
- Full bank account numbers are locked away from every screen. Screens show the last four digits; the full number appears only on that employee's own payslip.§ 8
- Approved payslips can't be deleted — they're statutory payroll records.§ 7
- No advertising, no tracking, and we don't sell personal data.§ 4
- You can ask to see, correct or delete your data at any time.§ 9
01Who we are
PaySight is a payroll service operated by Luminex Solutions, a business in the Republic of Zambia (“we”, “us”). This policy explains what personal data PaySight handles, why, where it goes, and the rights people have over it under the Data Protection Act No. 3 of 2021.
02The two roles we play
Payroll involves two kinds of personal data, and the law treats them differently.
Your account
When you sign up, you give us your name, work email and business name. For this data we are the data controller: we decide how it's used, and we answer to you for it.
Your employees' payroll data
When you add employees or upload a payroll, you decide what goes in and why. For this data you — the employer or payroll bureau — are the data controller, and we are your data processor. We use it only to provide PaySight to you, on your instructions, and never for a purpose of our own.
If you're an employee whose payslip is produced by PaySight, your employer is responsible for your data. Please contact them first — we'll help them respond to you. See § 9.
03What we collect
Account data
Your name, work email, business name, the plan you choose, and whether you've confirmed your email. Your password is stored only as a one-way hash — we cannot read it.
Payroll data about employees
Whatever you enter or upload, which may include:
- Identity — full name, employee number, NRC number, passport and work permit details, nationality, sex, date of birth and permanent address.
- Statutory numbers — TPIN, NAPSA number and NHIMA number.
- Employment — department, job title, contract type, place of engagement, and start and end dates.
- Pay — basic salary, allowances and overtime, the PAYE, NAPSA, NHIMA and net pay calculated from them, and payslip history.
- Payment — bank name, branch and branch code, SWIFT code, the name on the account, the bank account number, and mobile money network and number.
- Contact — email address.
A record of changes
Who changed a salary, who approved a pay run, and when. Payroll needs to be able to answer those questions later.
Technical data
Your IP address and browser details, processed by our hosting and bot-protection providers when you use the site. We don't use them to profile you.
PaySight doesn't need, and you shouldn't upload, anything beyond what payroll requires — medical records, for example.
04Why we use it
The law requires a lawful basis for every use of personal data. Ours are:
| What we do | Lawful basis |
|---|
| Provide the service you signed up for | Our contract with you |
| Calculate PAYE, NAPSA and NHIMA and produce payslips | Your instructions, as processor. As the employer, your own basis is usually your legal duty to pay and report tax. |
| Keep a record of pay changes and approvals | Legitimate interest in accurate payroll records, and your record-keeping duties |
| Keep PaySight secure and prevent abuse | Legitimate interest |
| Contact you about your account, security or changes to these policies | Our contract with you |
We don't sell personal data, use it for advertising, or use it to train AI models.
05Who we share it with
We use a small number of providers to run PaySight. Each receives only what it needs to do its job.
| Provider | What it does | What it handles | Where |
|---|
| Cloud hosting and database provider | Database and sign-in | All account and payroll data | London, UK |
| Website hosting and bot-protection provider | Hosts the website; checks sign-in forms for automated abuse | Technical data | Global |
| AI service provider | Reads the column layout of payroll spreadsheets you upload | Up to the first 25 rows of each sheet | United States |
| Font provider | Serves the typefaces the site uses | Your IP address | Global |
| Email delivery provider | Emails payslips to employees, once delivery is switched on | Employee name, email and payslip | European Union |
We may also disclose personal data where the law requires it — to the Zambia Revenue Authority, NAPSA, NHIMA, a court, or the Data Protection Commissioner — and only as far as the law requires.
06Where your data is stored
PaySight's database is hosted in London, in the United Kingdom. When you upload a payroll spreadsheet, the first rows of each sheet are sent to an AI service provider in the United States so the columns can be identified.
The Data Protection Act No. 3 of 2021 sets conditions on moving personal data out of Zambia. We transfer it only to providers bound by data protection obligations, and only as far as running PaySight requires. The United Kingdom's data protection law is among the strictest in the world.
As the data controller for your employees' data, by using PaySight you instruct us to make these transfers. Please make sure the notices you give employees about their data cover them.
Once PaySight has read a spreadsheet's layout, it remembers it: later uploads with the same layout aren't sent to the AI service at all. We don't keep a copy of the spreadsheet file itself — only the employee details extracted from it.
07How long we keep it
- Account data — while your account is open. After you close it, you have 30 days to ask for an export; we then delete it within a further 60 days, except anything the law requires us to keep.
- Payroll data — while your account is active, or until you delete it.
- Records of changes and approvals — as long as the payroll records they describe.
Approved payslips can't be edited or deleted — on purpose. A payslip is a payroll record, and Zambian tax, pension, health insurance and employment law all require employers to keep payroll records for years. PaySight preserves them so the record you filed always matches the record you hold.
This is the main reason neither we nor an employer may be able to delete everything when someone asks.
08How we protect it
- Each company's data is walled off from every other company's inside the database itself, not just hidden by the app.
- All traffic is encrypted in transit, and the database is encrypted at rest by our provider.
- Passwords are stored only as one-way hashes.
- Full bank account numbers are kept in a separate store that no one can read back through PaySight's screens or interface, not even the company's own administrators. Screens show only the last four digits. The full number is used only to print that employee's own payslip. Mobile money numbers are stored in full, because they're needed to pay people.
- Sign-in and sign-up are protected against automated attacks.
- Approved payslips can't be altered, and every salary change and approval is recorded with who made it.
No system is perfectly secure. If you think your account has been compromised, tell us straight away.
09Your rights
Under the Data Protection Act No. 3 of 2021 you have the right to:
- know whether we hold personal data about you, and get a copy of it;
- have inaccurate data corrected;
- have data deleted, where we're not required to keep it;
- object to, or restrict, how it's used;
- receive your data in a portable format;
- complain to the Data Protection Commissioner of Zambia.
To use any of these rights, email luminexsolutionsglobal@gmail.com. We'll respond within 30 days, and may need to confirm who you are first.
If you're an employee, please start with your employer — they control your payroll data, and we act on their instructions. If they can't help, contact us and we'll work with them to resolve it.
10If something goes wrong
If a security breach affects personal data, we'll tell the businesses affected without undue delay so they can meet their own obligations, and notify the Data Protection Commissioner where the law requires.
11Age
PaySight is a service for businesses. You must be 18 or over to hold an account.
12Changes to this policy
We'll publish any change here and update the version and date above. If a change materially affects how we use personal data, we'll email account holders before it takes effect.
Terms
Terms & Conditions
Version 1.0Effective 29 September 2026Laws of the Republic of Zambia
The agreement between your business and us when you use PaySight. Clause 4 is the one to read carefully.
In short
- PaySight calculates your payroll. You check it, approve it, and file with ZRA, NAPSA and NHIMA.§ 4
- You own your data. We use it only to run PaySight for you.§ 5
- Pay monthly in Kwacha, and cancel whenever you like.§ 7
- Features marked “Soon” aren't part of what you're paying for until they're released.§ 2
- If PaySight gets a calculation wrong from correct data, we fix it free. Beyond that, our liability is capped at what you paid us in the last 12 months.§ 11
- Zambian law applies.§ 13
01About these terms
These terms are an agreement between you and Luminex Solutions, which operates PaySight. By creating an account you accept them on behalf of the business you're signing up. If you don't have authority to bind that business, please don't sign up.
“You” means the business that holds the PaySight account — a payroll bureau or an employer. “Employees” means the people whose pay is run in PaySight. Our Privacy Policy and Refund Policy form part of these terms.
02The service
PaySight lets you record employees and their pay, calculate PAYE, NAPSA and NHIMA, approve pay runs, produce branded payslips, and see what you owe each authority.
Features labelled “Soon” or “coming soon” are plans, not commitments. They aren't part of the service you're paying for until we release them, and we may change or drop them.
We improve PaySight over time. If we remove something material from a plan you're paying for, we'll tell you in advance.
03Your account
- Give us accurate details and keep them up to date.
- Keep your password to yourself. You're responsible for what happens under your login.
- New workspaces are switched on once we've confirmed your subscription.
- Each login is for one person. Colleagues need their own.
- Tell us straight away if you think someone else has access.
04Payroll is your responsibility
This is the most important clause in these terms.
4.1 PaySight calculates PAYE, NAPSA and NHIMA using the statutory rates and bands we publish for the tax year, applied to the data you give it. The results can only be as accurate as that data.
4.2 You must review every pay run before you approve it. Approving a run confirms you've checked it and accept its figures.
4.3 You remain responsible for filing returns and paying remittances to the Zambia Revenue Authority, NAPSA and NHIMA, correctly and on time — and for any penalty or interest they charge.
4.4 We review statutory rates when they change and at the start of each tax year. Where a rate hasn't yet been confirmed by the authority concerned, PaySight says so. Tax law can change at short notice; if you know of a change we haven't reflected, tell us.
4.5 Where you supply your own calculated figures, PaySight shows you where they differ from its own before you approve. That's a check, not a guarantee. Resolving a difference is your decision.
4.6 PaySight is software. It isn't tax, legal or accounting advice.
05Your data and your employees' data
5.1 You own the data you put into PaySight.
5.2 For your employees' personal data, you are the data controller and we are your data processor. You confirm that you have a lawful basis under the Data Protection Act No. 3 of 2021 to give us that data and have us process it — including the transfers outside Zambia described in our Privacy Policy — and that you've told your employees about it.
5.3 We'll process employee data only to provide PaySight to you, on your instructions, and keep it confidential and secure as the Privacy Policy describes.
06Acceptable use
Please don't:
- upload data you have no right to use;
- run payroll for a business that hasn't authorised you to;
- try to reach another customer's data, or probe, overload or disrupt PaySight;
- copy, resell or reverse-engineer PaySight;
- use it for anything unlawful, including evading tax.
We may suspend access to stop a serious breach of these rules.
07Fees and payment
7.1 Plans are priced in Zambian Kwacha and billed in advance — monthly, or annually where we've agreed that with you. Current prices are on our website.
7.2 Your workspace is switched on once payment is confirmed.
7.3 We may change prices with at least 30 days' notice. A new price applies from your next billing month; if you don't accept it, you can cancel before then.
7.4 Refunds are covered by our Refund Policy.
7.5 If a payment is overdue, we may suspend your account after giving you notice. Suspending an account doesn't delete its data.
08Availability
We work to keep PaySight available and your data safe, but we can't promise uninterrupted service. When we need to take it offline for maintenance, we'll try to avoid payroll deadlines and give notice where we can. Keep your own copies of payslips and returns you've filed.
09Intellectual property
PaySight — its software and its design — belongs to Luminex Solutions. While your subscription is active, you have the right to use it. You keep all rights in your data and your branding, and give us the permission we need to process them to provide PaySight.
10Ending the agreement
10.1 You can cancel at any time. Your access continues to the end of the month you've paid for.
10.2 We can suspend or end your account if you seriously or repeatedly break these terms, or don't pay after notice.
10.3 After your account ends you have 30 days to ask for an export of your data. We then delete it within a further 60 days, except records the law requires you or us to keep.
11Liability
11.1 Nothing in these terms limits liability for fraud, wilful misconduct, or anything else the law doesn't allow to be limited.
11.2 If PaySight calculates incorrectly from correct data, we'll correct it promptly and at no cost to you.
11.3 We're not liable for losses caused by inaccurate data you supplied, or by late or incorrect filing or payment to ZRA, NAPSA or NHIMA — including penalties and interest.
11.4 We're not liable for indirect or consequential losses, such as lost profit or lost business.
11.5 Otherwise, our total liability to you for all claims in any 12-month period is limited to the fees you paid us in the 12 months before the claim arose.
12Indemnity
If someone brings a claim against us because you gave us data you had no right to use, or used PaySight unlawfully, you'll cover our reasonable costs of dealing with it.
13Law and disputes
These terms are governed by the laws of the Republic of Zambia. If a dispute arises, we'll both first try in good faith to settle it by discussion for at least 30 days. If that doesn't resolve it, either of us may take it to the courts of Zambia.
Nothing in these terms affects rights you have under the Competition and Consumer Protection Act No. 24 of 2010 or the Electronic Communications and Transactions Act No. 4 of 2021.
14Changes to these terms
We may update these terms. We'll give you at least 30 days' notice by email of any change that materially affects you. If you keep using PaySight after it takes effect, you accept it; if you don't want to, you can cancel before then.
Refunds
Refund Policy
Version 1.0Effective 29 September 2026
What happens to your money when you cancel, when we get something wrong, and when you change your mind.
In short
- Cancel any time. You won't be charged again.§ 2
- Changed your mind within 14 days, before approving a pay run? Full refund.§ 3
- Charged by mistake, or we let you down badly? We'll put it right.§ 4
- Otherwise, we don't refund part-months. Annual plans get back their unused months.§ 5
01How billing works
PaySight is billed in advance, in Zambian Kwacha — monthly, or annually by agreement. For now, payment is arranged directly with us rather than taken inside the app, and your workspace is switched on once we've confirmed it.
02Cancelling
You can cancel at any time by emailing us. You won't be charged for any month after the one you've already paid for, and you keep access until that month ends.
03Your first 14 days
If you cancel within 14 days of your first payment and haven't yet approved a pay run, we'll refund that payment in full.
Once you've approved a pay run, you've used PaySight for that month, so this no longer applies.
04When we'll refund regardless
- You were charged twice, or charged the wrong amount — we refund the difference.
- You were charged after cancelling — we refund it.
- PaySight was unavailable for so long, through our fault, that you couldn't run payroll that month — we refund that month, or credit it if you'd prefer.
05What we don't refund
Apart from the cases above, we don't refund part-months or unused time — including when you downgrade or cancel partway through a month.
If you paid for a year
If you cancel an annual plan early, we refund the whole months you haven't used. The months you have used are re-priced at the monthly rate first, so the annual discount applies only to a full year.
06How to ask
Email luminexsolutionsglobal@gmail.com with your business name and the payment concerned. We'll reply within 5 business days, and pay approved refunds within 14 business days to the bank account or mobile money number you paid from.
07Your legal rights
This policy doesn't take away any right you have under the Competition and Consumer Protection Act No. 24 of 2010 or the Electronic Communications and Transactions Act No. 4 of 2021.
Cookies
Cookies & Storage
Version 1.0Effective 29 September 2026
What PaySight keeps in your browser, and why you won't see a cookie banner.
In short
- PaySight sets no cookies.§ 1
- It keeps a few things in your browser so you stay signed in.§ 2
- No analytics, advertising or tracking — which is why there's no cookie banner.§ 4
01Cookies
PaySight doesn't set any cookies of its own.
02What PaySight keeps in your browser
PaySight uses your browser's local storage — a small store on your own device — only for things it can't work without.
| Name | Why | How long |
|---|
| paysight_session | Keeps you signed in | Until you sign out, or it expires |
| paysight_company | Remembers which company you were viewing in the portal | Until you clear it |
| paysight_test_inbox | An optional test address for payslip emails, if you set one | Until you clear it |
None of this is sent to anyone else, or used to track you.
03Other services the site uses
- A bot-protection service checks the sign-in and sign-up forms for automated abuse. Its provider may process technical signals from your browser to do this.
- A font provider serves the site's typefaces. It receives your IP address when your browser downloads them.
- A content delivery network serves the library the portal uses to read spreadsheets.
Each handles this under its own privacy policy.
04Why there's no cookie banner
PaySight only uses storage that's strictly necessary to provide the service you asked for. There's no analytics, no advertising and no cross-site tracking, so there's nothing to ask your consent for.
If we ever add something that isn't strictly necessary, we'll ask you first.
05Clearing it
Signing out removes your session. You can clear everything else in your browser's settings for this site — you'll just need to sign in again afterwards.