FUSTPAY values your privacy and is committed to protecting your personal data. This privacy policy explains how we collect, use, store, share and protect personal information when you use our services or visit our platforms. We comply with the Nigeria Data Protection Act 2023 and other applicable data protection laws. Our lawful basis for processing your data may be based on the performance of a contract we have with you, your consent, our legitimate business interests or compliance with legal obligations.

We collect personal data such as your name, age, residential address, national identification details (including BVN and NIN), email address, mobile number, bank account or card details, and other information needed to create an account and satisfy Know Your Customer requirements. We also collect transaction information when you send or receive money, purchase airtime or pay bills, including transaction amounts, merchant information and device and geolocation data. In addition, we may collect details about participants in your transactions with your consent, such as your phone contacts, to enable you to transact easily. We may collect images or biometric data for identity verification and KYC purposes, and log/technical data such as IP address, browser type, device identifiers and usage statistics.

We collect personal data directly from you when you register for a FUSTPAY account, use our services, fill out forms, contact our customer support team, respond to surveys or participate in promotions. We may also collect personal data about you from third-party sources such as credit bureaus, fraud prevention agencies, identity verification providers and other publicly available sources to comply with regulatory requirements.

We use your personal data to create and manage your FUSTPAY account, authenticate your identity, process payments and transfers, and deliver services such as bank transfers, airtime and data purchases. We use your data to manage risk, detect and prevent fraud, comply with legal and regulatory obligations, resolve disputes and troubleshoot problems. We may communicate with you about your account, send transaction notifications and service updates, and, with your consent, send marketing communications and targeted offers. We also use data analytics to improve our services, develop new features and enhance user experience.

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected and to meet our legal, accounting or reporting obligations. Subject to applicable laws, we will retain your personal data for the duration of your relationship with FUSTPAY and thereafter as required by law or regulation.

We may share your personal data with other entities within our corporate group, third-party service providers, financial institutions and payment processors who perform services on our behalf, such as verifying your identity, processing transactions or providing customer support. We may also share data with transaction counterparties (such as other users and their service providers) to facilitate a transfer. Where required by law or for the prevention of fraud or other crimes, we may disclose information to law enforcement agencies, regulators, courts or other government authorities. We ensure that any third parties processing your data implement appropriate security measures.

FUSTPAY uses cookies and similar technologies to improve your user experience, remember your preferences and measure site usage. We primarily use session cookies that do not collect personal information and are deleted when you log out or close your browser. You may choose to accept, decline or manage cookie settings, but disabling cookies may affect the functionality of certain features.

Your information is confidential and will only be disclosed under legal requirements. You have the right to request access to your data under the Freedom of Information Act and other applicable data protection laws. Under these laws, you are entitled to the following rights:

Access: You may request access to your personal data that we hold.

Rectification: You may request correction of inaccurate or incomplete data.

""Erasure:"" You may request the deletion of your personal data, subject to regulatory or legal retention obligations.

Objection: You may object to the processing of your data based on legitimate interests.

Data Portability: You may request a copy of your data in a structured, commonly used format, or its direct transfer to another service provider.

Withdraw Consent: Where processing is based on your consent, you may withdraw that consent at any time without affecting the lawfulness of prior processing.

Our services are not directed to persons under the age of 18, and we do not knowingly collect personal data from minors. If you believe we have mistakenly collected information from a minor, please contact us so that we can investigate and restrict such data collection.

We implement appropriate technical and organisational measures to protect your personal data from unauthorised access, loss, misuse or disclosure. We will never ask for your card details, PIN, one-time password (OTP) or other sensitive information via phone, email or SMS, and you should never share such details with anyone. Despite our efforts, no system is completely secure and you should also take steps to protect your account credentials and devices.

We may store or process your personal data outside Nigeria. When we transfer personal data to other countries, we take reasonable steps to ensure that it is handled securely and in compliance with applicable data protection laws.

We may update this privacy policy periodically to reflect changes in our practices or in the law. We will post the updated policy on our website or within the FUSTPAY application and will notify you of any material changes. Your continued use of our services after any change constitutes your acceptance of the updated policy.

If you have any questions, concerns or requests relating to your personal data or this policy, please contact our Data Protection Officer at privacy@fustpay.net. We will investigate and work to resolve any privacy issues promptly.