Privacy Policy

1. Information We Collect

We collect information you provide directly to us when you create an account, fund your wallet, or use our services. This includes:

• Full name, username, email address, and phone number
• Home address and government-issued identification (for KYC verification)
• Bank account details (for withdrawals and identity verification only)
• Transaction history and service usage data
• Device information, IP address, and browser type (automatically collected)

2. How We Use Your Information

We use your information to:

• Create and manage your account
• Process transactions (airtime, data, bills, crypto, etc.)
• Verify your identity in compliance with KYC and AML regulations
• Detect and prevent fraud, money laundering, and abuse
• Communicate service updates, OTPs, and security alerts
• Comply with applicable laws and regulatory requirements

3. Legal Basis for Processing

We process your personal data under the following legal bases:

• Contract performance: to provide the services you requested
• Legal obligation: to comply with AML, KYC, and financial regulations
• Legitimate interest: to detect fraud and improve platform security
• Consent: for marketing communications (you may withdraw at any time)

4. Data Sharing

We do not sell your personal data. We may share it with:

• Licensed payment processors and banking partners (for transaction processing)
• Network operators (MTN, Glo, Airtel, 9mobile) to fulfil your purchase
• Identity verification providers (for KYC/BVN/NIN checks)
• Regulatory authorities when required by law

5. Data Retention

We retain your personal data for as long as your account is active and for a minimum of 5 years after account closure, in compliance with financial record-keeping requirements under Nigerian law (CBN AML/CFT Regulations).

6. Data Security

We implement industry-standard safeguards including TLS encryption in transit, hashed passwords, tokenised payment credentials, and regular security audits. Access to personal data is restricted to authorised personnel only.

7. Your Rights

You have the right to:

• Access the personal data we hold about you
• Correct inaccurate data
• Request deletion of your data (subject to regulatory retention requirements)
• Opt out of marketing communications at any time
• Lodge a complaint with the relevant data protection authority

8. Cookies

We use essential cookies to maintain your session and remember preferences. Analytics cookies (if enabled) are used only after your consent. You may manage cookie preferences via the cookie banner on our homepage or your browser settings.

9. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated by email or a prominent notice on our platform. Continued use after changes constitutes acceptance.

10. Contact Us

For privacy-related enquiries, please contact our Data Protection Officer via the live chat or WhatsApp support button on our homepage.