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Privacy Policy

This Privacy Policy describes how Rizpay Digital Solutions (“we,” “us,” or “our”) collects, uses, and protects your personal information when you use our Services. By using Rizpay, you consent to the data practices described here.

1. Data We Collect

  1. Personal Information:

    • Name, phone number, email address, BVN, NIN, and transaction logs.
    • Device info, IP addresses, geolocation, and usage logs.
    • Bank account details (account name and number), strictly for funding/refunds. We do not store card details.

  2. Session Cookies:

    • We use minimal session cookies to authenticate and identify users while logged in.
    • We do not use elaborate cookie-based tracking for marketing.

  3. Activity Logs:

    • We log user actions (e.g., IP address, device identifiers) for fraud prevention, security, and debugging.

2. How We Collect Data

  1. Directly From You:

    • When you create an account, provide BVN/NIN for verification, or contact Support.

  2. Automatically:

    • Through session cookies, server logs, and app usage analytics.

  3. From Third Parties:

    • Certain data (e.g., name, BVN validation) may be verified using partner APIs or third-party services authorized by you.

3. Purpose of Data Processing

  1. Service Provision:

    • Processing transactions, identifying users, ensuring account security, and providing receipts/confirmations.

  2. Security & Compliance:

    • Detecting and preventing fraud or illegal use, ensuring compliance with any applicable laws, and maintaining user trust.

  3. Communication:

    • Sending you transaction alerts, service updates, or important notifications.
    • Marketing emails only if you opt in (you can unsubscribe at any time).

  4. User Support & Debugging:

    • Resolving disputes, addressing technical issues, and improving overall service reliability.

4. Data Sharing & Disclosure

  1. Third-Party Providers:

    • We may share limited data (e.g., name, BVN) with partners that provide virtual account services or that facilitate data/airtime top-ups.

  2. Legal Compliance:

    • We may disclose user information if required by law, court order, or regulatory requirement.

  3. Business Transfers:

    • If we undergo a merger, acquisition, or asset sale, user data may be transferred, but subject to this Privacy Policy.

5. Data Retention

  1. Retention Period:

    • We retain user data while the account remains active. Inactive accounts with zero balances may be deleted after 100 days.
    • Transaction logs may be kept longer if required for legal, regulatory, or security reasons.

  2. Deleting & Updating Data:

    • You may request corrections or deletions via our support channels. Certain regulatory obligations may require us to keep transaction records longer.

6. Security Measures

  1. Encryption & Hashing:

    • Passwords are hashed; sensitive data is encrypted at rest or in transit.

  2. Limited Staff Access:

    • Internal user data access is role-based and granted only to essential personnel.

  3. Cross-Border Transfers:

    • Our servers and databases may be hosted outside Nigeria. We strive to implement reasonable safeguards (e.g., industry-standard encryption) for such transfers.
    • (If additional legally required safeguards are needed, we will implement them as mandated by relevant data protection regulations.)

7. Your Rights

  1. Access & Correction:

    • You can request a copy of your data or ask us to correct inaccuracies.

  2. Deletion & Restriction:

    • You can request deletion of your data (subject to regulatory record-keeping obligations).

  3. Opt-Out of Marketing:

    • You can unsubscribe from marketing emails at any time. Transactional emails remain mandatory for operational purposes.

  4. Complaints:

    • If you believe your data rights are violated, contact us at bola@rizpay.app.

8. Changes to This Policy

  • We may update this Privacy Policy periodically. Significant changes will be communicated via in-app or website notice. Continued use of our Services after such notice is your consent to the changes.

9. Contact Us

  • Privacy Contact: bola@rizpay.app
  • General Support: support@rizpay.app
  • Phone & WhatsApp: +234 816 775 6166