Privacy Policy – FlexiPay

Privacy Policy

This Privacy Policy explains how FlexiPay.ng (“we,” “our,” or “us”) collects, uses, discloses, and protects your personal information when you use our website, mobile app, or any of our digital services.

1. Introduction

At FlexiPay.ng, your privacy is extremely important to us. This policy outlines how we handle your personal data responsibly and in compliance with the Nigerian Data Protection Regulation (NDPR) and other applicable data protection laws.

2. Information We Collect

We may collect the following categories of information:

• Personal Information: Name, phone number, email, BVN, NIN, address, and government-issued IDs.
• Financial & Transaction Data: Payment details, wallet balance, transaction records.
• Technical Information: IP address, browser type, device identifiers, and usage logs.
• Cookies & Tracking Data: Information that helps us enhance your browsing experience.

3. How We Use Your Information

• To process transactions and deliver services requested by you.
• To verify your identity and prevent fraud.
• To comply with applicable laws and regulations.
• To personalize and improve user experience.
• To send service notifications, alerts, and promotional offers (when permitted).

4. Legal Basis for Processing

We process your data based on one or more of the following lawful bases:

• Your explicit consent.
• Performance of a contract or service agreement.
• Compliance with legal and regulatory obligations.
• Legitimate interests, such as fraud prevention and service improvement.

5. Automated Processing

We sometimes use automated systems and software to make decisions about you — for instance, to conduct fraud checks, credit assessments, or evaluate your eligibility for specific services.

Such automated processing is conducted lawfully, and you may request that any automated decision be reviewed by a human if you believe an error has occurred or that such processing has affected you unfairly.

6. Your Rights

You have certain rights regarding your personal data, which include:

• The right to access your personal information held by us by sending an email to privacy@flexipay.ng.
• The right to rectify inaccurate or incomplete information.
• The right to withdraw consent for processing, where consent was previously given.
• The right to restrict or object to processing of your personal data (subject to legal exceptions).
• The right to request that your data be made available in a common electronic format or transferred to a third party.
• The right to request deletion (“right to be forgotten”) of your data, unless retention is required by law or regulation.
• The right to lodge a complaint with the National Data Protection Commission (NDPC) if you believe your rights have been violated.

7. Sharing of Information

We may share your personal data only when necessary and with:

• Payment processors, telecom operators, and utility service providers.
• Regulatory bodies, financial institutions, or law enforcement when required by law.
• Third-party vendors supporting our operations under strict confidentiality agreements.

8. Data Security

We implement advanced administrative, technical, and physical safeguards to protect your data from unauthorized access, disclosure, or destruction. Sensitive data such as financial and identity information is encrypted both in transit and at rest.

9. Data Retention

We retain your data for as long as necessary to fulfill contractual, regulatory, and operational requirements. Once retention is no longer necessary, your data will be securely deleted or anonymized.

10. Log Files

Like many digital platforms, FlexiPay.ng uses log files to record IP addresses, browser types, date/time stamps, referring pages, and interaction details. This helps us analyze trends, manage system performance, and enhance security. These logs are not linked to personally identifiable information.

11. Cookies and Web Beacons

We use cookies to remember preferences, analyze usage patterns, and customize user experience. You may disable cookies via your browser settings, though some site features may not function properly as a result.

12. Third-Party Sites and Services

FlexiPay.ng’s website and apps may contain links to third-party websites or integrate services from external providers. Information collected by these third parties is governed by their own privacy practices. We encourage you to review their policies, as we are not responsible for how they handle your data.

13. Limits on Our Abilities

While we use the best available security technologies, no online service is entirely risk-free. Due to technical and legal environments, we cannot guarantee absolute protection against unauthorized access or disclosure.

14. Updates to This Policy

FlexiPay may update this Privacy Policy periodically. All updates will be posted on this page with an updated revision date. Continued use of our services after such updates implies acceptance of the revised terms.

15. Contact Us

For questions, requests, or complaints regarding this Privacy Policy, please contact us:
Email: privacy@flexipay.ng
Phone: +2349076016860
Website: www.flexipay.ng

Last Updated: October 2025