Information we collect
We collect information you provide directly, information
generated when you use iDeliverPay, and information required for
security, compliance, and service operations.
Information you provide
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Account information: Phone number, email
address, full name, date of birth, and address used during
registration.
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KYC information: Government-issued ID
details, biometric data (where applicable), proof of address,
and other verification documents required for identity tiers.
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Transaction details: Recipient bank accounts,
account numbers, recipient names, transfer amounts, bill
payment details, iToken instructions, and card funding
information.
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Communications: Support messages, feedback,
contact form submissions, help centre interactions, and any
information you share with our support team.
Information generated through use
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Transaction records: Wallet activity,
transfer history, bills payment confirmations, iToken claims,
card transactions, referral activity, and status updates.
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Device information: Device type, operating
system, app version, unique device identifiers, IP address,
browser details, and mobile network information.
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Usage data: Features used, session duration,
navigation patterns, interaction logs, and app performance
data.
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Location data: Approximate location derived
from IP address or device settings (only when required for
fraud prevention or compliance).
How we use information
We use collected information to provide, improve, and secure
iDeliverPay services. Specific uses include:
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Service delivery: Creating accounts,
processing transactions, completing KYC checks, managing
wallets, facilitating transfers, processing bill payments, and
maintaining iToken functionality.
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Security and fraud prevention: Detecting
fraudulent activity, preventing unauthorized access, enforcing
transaction limits, verifying device trust, and protecting
account security.
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Compliance: Meeting regulatory requirements,
responding to legal requests, maintaining transaction records,
and cooperating with financial regulators and law enforcement.
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Communication: Sending transaction
confirmations, security alerts, service updates, policy
changes, and customer support responses.
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Improvement: Analysing usage patterns,
debugging issues, developing new features, and improving user
experience.
Sharing and disclosure
We do not sell personal information to third parties. We may
share information only where necessary to operate our services,
comply with legal obligations, or protect users.
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Payment processors and partners: Banks, card
networks, billers, payment gateways, and verification services
that process transactions on our behalf.
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Infrastructure providers: Cloud hosting,
analytics, communication, and technology providers that
support app operations under strict confidentiality
agreements.
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Legal and regulatory: Regulators, law
enforcement agencies, courts, and public authorities where
required by applicable law, subpoena, or valid legal process.
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Professional services: Auditors, legal
advisers, and consultants who operate under confidentiality
and security obligations.
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Business transfers: In connection with a
merger, acquisition, or sale of assets, user information may
be transferred with appropriate notice and protection.
Data protection and security
We implement technical, administrative, and operational
safeguards to protect personal information:
- Encryption of data in transit (TLS/SSL) and at rest.
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Secure authentication with PINs, OTPs, and device
verification.
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Access controls limiting who can access user data internally.
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Regular security assessments and vulnerability monitoring.
- Incident response procedures for security events.
No online service can guarantee absolute security. Users should
keep passwords, OTPs, PINs, and devices secure and report any
suspicious activity immediately.
Data retention
To request account deletion in the app or from outside the app,
see
Delete your iDeliverPay account. Necessary financial and identity records are retained for at
least five years after transaction completion or the end of the
account relationship, and longer where an applicable legal,
accounting, investigation or financial-partner requirement
applies. Unneeded profile data and access credentials are
removed during closure; retained records are restricted to their
lawful purposes.
We retain personal information for as long as needed to provide
services, comply with legal obligations, resolve disputes, and
enforce agreements. Specific retention periods depend on:
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The type of information and purpose for which it was
collected.
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Applicable legal, regulatory, tax, accounting, or reporting
requirements.
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Transaction record retention requirements under Nigerian
financial regulations.
- Security and fraud prevention needs.
When information is no longer needed, we securely delete or
anonymize it.
Your rights and choices
Subject to applicable law, you may have the following rights
regarding your personal information:
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Access: Request a copy of the personal
information we hold about you.
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Correction: Request correction of inaccurate
or incomplete information.
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Deletion: Request deletion of your personal
information, subject to legal retention requirements.
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Restriction: Request restriction of
processing in certain circumstances.
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Objection: Object to processing based on
legitimate interests.
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Portability: Request transfer of your data in
a structured, machine-readable format.
To exercise these rights, contact us at
privacy@ideliverpay.com. We may need to verify your identity before processing your
request.
You can also manage certain app permissions (location,
notifications) through your device settings.
Children's privacy
iDeliverPay is not intended for users under the age of 18. We do
not knowingly collect personal information from children. If we
become aware that a child has provided us with personal
information, we will take steps to delete it promptly.
Changes to this policy
We may update this Privacy Policy from time to time to reflect
changes in our practices, services, legal requirements, or for
other operational reasons. We will notify you of material
changes through the app, email, or our website.
Continued use of iDeliverPay after changes take effect
constitutes acceptance of the updated policy.
Contact us
If you have questions about this Privacy Policy, wish to
exercise your data rights, or have concerns about how your
information is handled, contact us:
