Privacy Policy

Your Privacy Matters

This Privacy Policy explains how A-Pay collects, uses, shares, and protects your personal information when you use our Virtual Top-Up (VTU) services to purchase airtime, data, pay bills, and access loan/borrowing services. By using A-Pay, you agree to the practices described in this policy.

1. Information We Collect

We may collect the following types of information:

• Personal details (name, email, phone number, address).
• Transaction details (airtime/data purchases, bill payments, loan history).
• Payment information (bank details, wallet transactions, card details via third-party gateways).
• Technical information (device type, IP address, login activities).

2. How We Use Your Information

Your information is used to:

• Provide and improve our services.
• Process your transactions and deliver services.
• Verify your identity and eligibility for borrowing.
• Communicate updates, promotions, or support messages.
• Protect against fraud, unauthorized transactions, or misuse of the platform.

3. Sharing of Information

We do not sell your personal data. However, we may share information with:

• Telecom operators, utility companies, and billers to complete your transactions.
• Financial institutions and payment processors for secure payments.
• Law enforcement or regulators when required by law.

4. Data Security

We implement strict security measures to protect your information from unauthorized access, loss, or misuse. However, no electronic storage or transmission over the internet is 100% secure.

5. Cookies & Tracking

A-Pay may use cookies and similar technologies to improve user experience, analyze usage, and customize services. You may disable cookies in your browser, but some features may not function properly.

6. Your Rights

As a user, you have the right to:

• Access and update your personal information.
• Request deletion of your account and data (subject to legal and financial obligations).
• Opt out of marketing communications.

7. Third-Party Services

Our platform may contain links or integrations with third-party services (e.g., payment gateways). A-Pay is not responsible for the privacy practices of these external providers.

8. Updates to this Policy

We may update this Privacy Policy periodically. Changes will be effective once posted on our website.

9. Contact Us

For privacy-related inquiries, please reach us at:
Lagos, Nigeria
+234 907 991 6807
africteam@gmail.com

By using A-Pay, you consent to the collection and use of your data in accordance with this Privacy Policy.