Privacy Policy

1. Introduction

Avopay ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal data when you use our website, mobile applications, and services (collectively, the "Services"). By accessing or using the Services you agree to the practices described in this Policy.

2. Data We Collect

2.1 Information you provide

• Account data: name, email address, phone number, password, date of birth (if provided), billing address, and other registration details.
• Transaction data: purchases, top-ups, bill payments, transaction IDs, and payment information (note: full card details are handled by our payment processors and are not stored on our servers unless explicitly stated).
• Support and communications: messages you send to us, feedback, and other correspondence.

2.2 Information we collect automatically

• Device & usage data: IP address, device type, browser type, operating system, pages visited, time spent, referral source, and interactions with the Services.
• Cookies and similar technologies: We and our partners use cookies, web beacons, local storage and similar technologies to provide, secure, and improve our Services. See Section 6 (Cookies & Tracking) below.

2.3 Information from third parties

We may receive data about you from partners, analytics providers, and social networks when you interact with third-party integrations or sign in with a third-party service.

3. How We Use Your Data

We use personal data to:

• Provide, maintain and improve our Services;
• Process transactions and send related information, including confirmations and invoices;
• Communicate with you about your account, promotions, product updates and support;
• Detect, prevent, and address technical issues and fraud;
• Comply with legal obligations and enforce our terms and policies;
• Personalize your experience and provide recommendations;
• Analyze usage patterns to develop new features and services.

4. Legal Bases for Processing (where applicable)

Where applicable (for example, users in jurisdictions with data protection laws like the GDPR), we rely on one or more of the following legal bases to process personal data:

• Consent — where you have given us permission;
• Performance of a contract — to deliver services you request;
• Legal obligations — to comply with laws, tax or regulatory requirements;
• Legitimate interests — for fraud prevention, security, and improving our Services, balanced with your rights and freedoms.

5. Sharing & Disclosure

We may share personal data with:

• Service providers: payment processors, hosting providers, customer support platforms, analytics and marketing providers who help operate our Services.
• Business partners: companies that provide services or promotions jointly with us.
• Legal and safety reasons: when required by law, to respond to legal process, enforce our terms, or protect the rights, property or safety of Avopay, our users or the public.
• Business transfers: in connection with a merger, acquisition, financing, or sale of assets.

We require vendors and partners to maintain appropriate technical and organizational safeguards for your personal information.

6. Cookies & Tracking

We use cookies and similar technologies to provide functionality, remember preferences, measure and analyze user behavior, and deliver advertising. You may control cookies via your browser settings and, where applicable, our cookie consent tool. Blocking certain cookies may reduce functionality of the Services.

7. Data Security

We implement reasonable physical, technical and administrative safeguards designed to protect personal data. While we use industry-standard security measures, no system is completely secure—absolute security cannot be guaranteed. If we learn of a breach that creates a risk of harm, we will notify affected users and authorities as required by law.

8. Data Retention

We retain personal data as necessary to provide the Services, comply with our legal obligations, resolve disputes, and enforce agreements. Retention periods vary by data type and legal requirements. When no longer needed, personal data will be securely deleted or anonymized.

9. International Transfers

Because we and our service providers operate in multiple countries, personal data may be transferred to, stored, and processed outside your country of residence. We use appropriate safeguards for international transfers as required by applicable law.

10. Your Rights & Choices

Depending on your jurisdiction, you may have rights such as:

• Access to the personal data we hold about you;
• Correction of inaccurate or incomplete data;
• Request deletion or restriction of processing;
• Object to processing (including marketing);
• Data portability;
• Withdraw consent where processing is based on consent.

To exercise your rights, please contact us at privacy@avopay.ng. We may need to verify your identity before responding to requests.

11. Children

Our Services are not intended for children under 13 (or other minimum age required in your jurisdiction). We do not knowingly collect personal data from children. If you believe we have collected personal data from a child, contact us and we will take steps to delete the information.

12. Third-Party Links

The Services may contain links to third-party websites, services, or social networks. We are not responsible for the privacy practices of those third parties. Review their privacy policies before providing personal information.

13. Changes to This Policy

We may update this Privacy Policy from time to time. If changes are material, we will provide notice (for example, via email or a prominent notice on our Services). The "Effective Date" at the top indicates when the policy was last updated.

14. How to Contact Us

If you have questions or concerns about this policy or our privacy practices, contact:

Avopay
Email: privacy@avopay.ng
Address: [Your Company Address Here]

15. Governing Law

This policy and any dispute arising from it shall be governed by the laws of the Federal Republic of Nigeria, unless otherwise required by applicable law.

Last updated: August 21, 2025