1. Information We Collect

We collect information to provide better services to all our users. We collect information in the following ways:

Information you provide to us:

• Personal information such as name, email address, phone number, and address
• Payment information including bank details, card information, and transaction history
• Identification documents for account verification
• Communication preferences and feedback

Information we collect automatically:

• Device information including IP address, browser type, and operating system
• Usage data such as pages visited, time spent on our services, and transaction patterns
• Location data for fraud prevention and service improvement
• Cookies and similar technologies for enhanced user experience

2. How We Use Your Information

We use the information we collect for the following purposes:

• Process and complete your payment transactions
• Verify your identity and prevent fraud
• Provide customer support and respond to your inquiries
• Improve our services and develop new features
• Send you important updates about your account and transactions
• Comply with legal obligations and regulatory requirements
• Analyze usage patterns to enhance user experience

3. Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:

Service Providers:

We may share information with trusted third-party service providers who assist us in operating our services, such as payment processors, cloud hosting providers, and customer support platforms.

Legal Requirements:

We may disclose your information if required by law, court order, or government regulation, or if we believe such disclosure is necessary to protect our rights, prevent fraud, or ensure public safety.

Business Transfers:

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

We ensure that any third parties we share information with maintain appropriate security measures and are bound by confidentiality agreements.

4. Data Security

We implement comprehensive security measures to protect your personal information:

• Bank-grade encryption for all data transmission and storage
• Regular security audits and vulnerability assessments
• Multi-factor authentication for account access
• Secure data centers with 24/7 monitoring
• Employee training on data protection and privacy
• Regular backups and disaster recovery procedures

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to protecting your data to the best of our ability.

5. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request transfer of your data in a structured format
• Restriction: Request limitation of how we process your information
• Objection: Object to processing based on legitimate interests

To exercise these rights, please contact us using the information provided below.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform:

• Essential Cookies: Required for basic platform functionality
• Analytics Cookies: Help us understand how you use our services
• Preference Cookies: Remember your settings and preferences
• Security Cookies: Help protect against fraud and security threats

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect platform functionality.

7. International Data Transfers

Your information may be transferred to and processed in countries other than Nigeria. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards, including standard contractual clauses and adequacy decisions.

8. Children's Privacy

Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date. We encourage you to review this policy periodically.

10. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

We will respond to your inquiries within 30 days of receipt.