Privacy Policy

1. Introduction

atPay respects your privacy. This Privacy Policy explains how atPay (“atPay”, “we”, “us” or “our”) collects, uses, stores, protects and shares personal data when you use the atPay mobile application, website, wallet, payment, airtime, data, bill-payment, virtual-account, customer-support and related services (together, the “Services”).

By creating an account or using the Services, you acknowledge this Privacy Policy. This policy applies only to atPay and does not replace the privacy notices of banks, payment providers, network operators, merchants or other independent third parties that may be involved in a transaction.

2. Information We Collect

We collect information that is necessary to provide secure and reliable financial and digital services. Depending on the features you use, this may include:

• Account and contact information: name, email address, mobile number, username, account identifier and profile details.
• Identity and verification information: date of birth, address, government-issued identity information, BVN, NIN and other verification details where required for identity verification, fraud prevention, applicable regulation or a service you request.
• Transaction and financial information: wallet balance, transaction references, payment status, amount, recipient details, bill-payment details, virtual-account details and records relating to airtime, data, transfers, electricity, television, examination PINs or other services purchased through atPay.
• Device and technical information: device model, operating system, app version, IP address, login activity, device identifiers, crash reports and security logs.
• Support communications: messages, attachments and other information you provide when contacting customer support or submitting a complaint.
• Notifications: device push-notification token and your communication preferences, where you allow notifications.

We may receive information from payment processors, banks, identity-verification providers, service providers and fraud-prevention partners to complete transactions, verify identity, resolve disputes and protect the Services.

3. How We Use Information

We use personal data to:

• create and manage your atPay account and wallet;
• process, confirm, reverse where appropriate, investigate and support transactions;
• provide airtime, data, bills, virtual accounts and other Services you request;
• verify identity, meet legal or regulatory obligations, and prevent fraud, money laundering, abuse and security incidents;
• communicate transaction updates, service notices, security alerts and customer-support responses;
• maintain, test, improve and secure the app, website and systems; and
• enforce our Terms of Service and resolve complaints or disputes.

4. When We Share Information

We do not sell your personal data. We may share only the information needed with:

• Financial and payment partners: banks, payment processors, virtual-account providers and payment-switching partners;
• Service providers: mobile-network, airtime, data, electricity, television, examination-PIN and other vendors needed to deliver an order;
• Verification and security providers: identity-verification, fraud-prevention, hosting, cloud, messaging, analytics and customer-support providers acting on our instructions;
• Authorities and regulators: where disclosure is required by applicable law, regulation, court order, lawful request or to protect users, atPay and the public; and
• Business transfers: where permitted by law, in connection with a merger, acquisition, financing, reorganisation or sale of business assets.

Third parties receiving data are expected to use it only for the legitimate purpose for which it was provided and in accordance with applicable privacy and security obligations.

5. Data Retention

We retain personal data only for as long as reasonably necessary to provide the Services, maintain transaction records, comply with legal, tax, financial, anti-fraud and regulatory obligations, resolve disputes and enforce agreements. We may retain limited information after account closure where the law requires it or where it is necessary to prevent fraud or protect our rights.

6. Security

We use reasonable administrative, technical and organisational safeguards designed to protect personal data against unauthorised access, loss, misuse, alteration or disclosure. No online service can guarantee absolute security. You must keep your password, PIN, one-time passwords and device secure, and notify us immediately if you believe your account has been accessed without authorisation.

7. Your Privacy Choices and Rights

Subject to applicable law and any legal or regulatory limits, you may request access to, correction of, deletion of or information about the processing of your personal data. You may also object to or withdraw consent for processing that is based on consent. Some requests may affect your ability to use features that require the relevant data.

To make a privacy request, contact us using the details below. We may ask for identity verification before acting on a request to protect your account and data.

8. Account Deletion

You can request deletion of your atPay account through the account-management or delete-account option in the atPay app, where available, or by emailing us from the email address linked to your atPay account. Deleting an account may not immediately remove records we must keep for legal, financial, security, fraud-prevention or regulatory reasons.

9. International Processing

Some of our service providers may process data in countries outside Nigeria. When this occurs, we take reasonable steps to ensure the transfer is handled in accordance with applicable data-protection requirements and appropriate safeguards.

10. Children’s Privacy

The Services are not directed to children who cannot lawfully use financial or payment services. We do not knowingly collect personal data from children in violation of applicable law. A parent, guardian or other authorised person who believes a child has provided personal data to atPay may contact us using the details below.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our Services, legal requirements or data-processing practices. We will post the updated version on this page and update the “Last updated” date. Where required, we will provide additional notice or obtain consent.

12. Contact Us