Privacy Policy
Afri2Pay Privacy Policy
Last Updated: October 2025
At Afri2Pay, we are committed to protecting your personal, financial, and transactional data with the highest levels of security and transparency. This Privacy Policy outlines how we collect, use, store, process, and safeguard your information when you use our services, apps, payment products, APIs, or related financial tools.
By accessing Afri2Pay, you agree to the practices described in this policy.
1. Information We Collect
a. Personal Identification Information (KYC Data)
To comply with global financial regulations, we may collect:
Full name
Date of birth
Phone number and email address
Residential address
Government-issued ID (Passport, NIN, Driver’s License, etc.)
Selfie verification/biometric data (for identity confirmation)
b. Financial and Transactional Data
Bank details (tokenized and encrypted)
Wallet balances
Payment history, transaction logs, withdrawals, and deposits
Card details (processed via PCI-DSS compliant partners)
c. Device & Technical Data
IP address
Device type and OS
Browser details
Geolocation (for fraud and compliance checks)
App usage behavior and access logs
d. Merchant & Agent Information
Business name
Business registration documents
Settlement account details
Transaction performance and risk metrics
2. How We Use Your Information
Afri2Pay uses collected data to:
a. Facilitate Payment Services
Process transactions, remittances, QR payments, virtual card operations, and wallet services.
Authenticate users and authorize financial operations.
b. Compliance & Risk Management
Conduct KYC, AML, CFT, and fraud prevention screening.
Report suspicious activity as required by law.
Maintain regulatory records.
c. Improve User Experience
Personalize app features, offers, and services.
Enhance performance, reliability, and security of our systems.
d. Communication
Deliver notifications, receipts, security alerts, and transaction confirmations.
Provide marketing updates (with your consent).
e. Platform Security
Prevent fraud, account takeover, unauthorized access, and payment risks.
Monitor system performance and security breaches.
3. Legal Basis for Processing
We process your data based on:
Contract performance (enabling payments/services)
Legitimate business interest (fraud prevention, service optimization)
Regulatory compliance (AML/KYC laws)
User consent (marketing communications)
4. Data Protection & Security Measures
Afri2Pay employs bank-grade security systems, including:
End-to-end encryption (E2EE)
PCI-DSS compliant card handling
Two-Factor Authentication (2FA)
Tokenization of sensitive financial data
AI-driven fraud detection
Secure cloud infrastructure and firewalls
Regular audits and penetration testing
We do not store raw card numbers or unencrypted financial details.
5. Cookies & Tracking Technologies
We use cookies to:
Improve speed and user experience
Remember login sessions
Track analytics and optimize our platform
Users may disable cookies, but some features may not function properly.
6. Data Sharing & Third Parties
We never sell your data.
We only share information with trusted third parties when necessary:
a. Payment Partners & Banks
For transaction processing, settlements, and compliance.
b. Identity Verification Providers
For KYC, biometric verification, and fraud prevention.
c. Regulatory & Law Enforcement
When required under AML, CBN, NDPR, or court directives.
d. Technical & Security Providers
To enhance performance, analytics, fraud detection, and cloud hosting.
All partners adhere to strict confidentiality and security obligations.
7. International Data Transfers
Some data may be processed outside your country through secure, certified data centers. All transfers comply with:
GDPR
NDPR
Global financial security standards
8. Data Retention
We retain user and financial records for the duration required by:
AML/CTF regulations
Payment industry standards
Legal obligations
After retention periods expire, data is safely deleted or anonymized.
9. Your Rights
Depending on your region, you may request to:
Access your personal data
Correct inaccurate information
Delete your account/data (unless retention is legally required)
Withdraw consent for optional communications
Request data portability
Contact our Data Protection Office at
📧 privacy@afri2pay.com
10. Children’s Privacy
Afri2Pay does not serve users under 18 years.
Any identified underage account will be deleted.
11. Third-Party Links
Any external links on our platform operate independently. Afri2Pay is not responsible for their privacy practices.
12. Updates to This Policy
We may update this Privacy Policy occasionally. Updated versions will be posted with a new effective date. Continued use of Afri2Pay signifies acceptance.
13. Contact Information
Afri2Pay – Data Protection Office
Email: privacy@afri2pay.com
Website: www.afri2pay.com
