Smipay ("we", "our", "us") is committed to protecting your personal information and respecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your data when you use the Smipay mobile app, website, and related services ("Services").

By using Smipay, you agree to the practices described in this Privacy Policy.

Information We Collect

We collect the following types of information to provide and improve our Services:

1. Personal Information

• Full name
• Phone number
• Email address
• Date of birth
• Residential address
• Identity documents (BVN, NIN, ID card)
• Account login details

2. Transaction Information

• Payment history
• Electricity meter details
• Airtime and data purchase details
• Cable subscription details
• Virtual card transactions
• Gift card trading information

3. Device & Technical Information

• IP address
• Device model
• Operating system
• App usage data
• Browser type
• Network provider

4. Cookies and Tracking Technologies

We use cookies, pixels, and analytics tools to understand user behavior and improve our platform. See our Cookies Policy for more details.

How We Use Your Information

Smipay uses your information to:

• Create and manage your account
• Process payments and provide services
• Verify your identity and comply with KYC/AML regulations
• Improve app performance and user experience
• Personalize your dashboard and recommendations
• Respond to customer support inquiries
• Prevent fraud, unauthorized activity, or misuse
• Communicate updates, promotional messages, and important notices

We will only process your data for lawful purposes as permitted by the Nigeria Data Protection Regulation (NDPR).

How We Share Your Information

We may share your information with:

1. Third-Party Service Providers

Such as:

• Payment processors
• Banks and financial institutions
• Utility providers (electricity, cable, telecoms)
• Gift card partners
• Identity verification services
• Analytics and security providers

These providers only receive the data needed to perform their duties.

2. Regulatory Authorities

We may disclose information if required by:

• Law enforcement
• Courts
• Financial regulators
• Anti-fraud agencies

3. Business Transfers

If Smipay undergoes a merger, acquisition, or restructuring, your data may be transferred as part of the transaction.

How We Protect Your Information

We use industry-standard security measures to protect your data, including:

• Encryption
• Secure data storage
• Firewalls
• Multi-factor authentication
• Strict access controls

While we strive to protect your data, no system is completely secure. Users must also keep their login details confidential.

Data Retention

We retain your information only as long as necessary for:

• Providing services
• Fulfilling legal obligations
• Resolving disputes
• Detecting fraud

After this period, your data is securely deleted or anonymized.

Your Rights

Under the Nigeria Data Protection Regulation, you have the right to:

• Access your personal data
• Update or correct your information
• Request data deletion
• Withdraw consent
• Restrict processing
• Object to certain types of processing
• Request data portability

Requests can be made via our support channels.

Children's Privacy

Smipay does not knowingly collect information from individuals under 18 years old. If we discover such data, it will be deleted immediately.

International Transfers

If your data is transferred outside Nigeria, Smipay ensures that appropriate safeguards are in place in accordance with NDPR requirements.

Updates to This Policy

We may update this policy occasionally. Changes will be posted on the app or website. Continued use means acceptance of the updated policy.

Contact Information

For questions or support, contact us at:

• Email: support@smipay.com
• Phone: +234 816 876 7809
• Address: The Knowledge Hub, Oke Ado, Ibadan. Oyo, Nigeria