Privacy Policy
Last updated: April 28, 2025
Introduction
At Payora, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and mobile application (collectively, the "Service").
Please read this Privacy Policy carefully. By accessing or using our Service, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use our Service.
Information We Collect
We collect several types of information from and about users of our Service, including:
Personal Information
Personal information is data that can be used to identify you directly or indirectly. We may collect the following personal information:
- Full name
- Email address
- Phone number
- Date of birth
- Residential address
- Government-issued identification (for KYC purposes)
- Banking information and payment details
- Photographs (for identity verification)
Usage Information
We collect information about how you interact with our Service, including:
- Features you use within the Service
- Transactions you initiate or complete
- Time and duration of your use of the Service
- Preferences and settings
- Referral source
Technical Information
We collect technical information about your device and connection, including:
- IP address
- Device type and model
- Operating system
- Browser type and version
- Mobile device identifiers
- Location data (with your permission)
- Cookies and similar tracking technologies
How We Use Your Information
We use the information we collect about you for various purposes, including:
- To provide, maintain, and improve our Service
- To process transactions and send related information
- To verify your identity and prevent fraud
- To communicate with you about your account, updates, or promotional offers
- To monitor and analyze usage patterns and trends
- To personalize your experience and deliver content relevant to your interests
- To comply with legal and regulatory requirements
- To enforce our terms, conditions, and policies
- To protect the security and integrity of our Service
Service Providers
We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf and require access to such information to do that work. These may include payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.
These third parties are only permitted to use your personal information to provide these services to us and are contractually obligated to keep your information confidential.
Legal Requirements
We may disclose your information where required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency). We may also disclose your information to:
- Enforce or apply our terms of use and other agreements
- Protect the rights, property, or safety of Payora, our customers, or others
- Prevent or investigate possible wrongdoing in connection with the Service
- Protect against legal liability
Business Transfers
If Payora is involved in a merger, acquisition, or sale of all or a portion of its assets, your personal information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our Service of any change in ownership or uses of your personal information.
Your Rights and Choices
You have certain rights regarding your personal information, including:
Access and Update
You can review and update certain portions of your personal information by logging into your account. You may also contact us directly to request access to, correct, or delete any personal information that you have provided to us.
Deletion
You may request that we delete your personal information. Note that in some cases, we may need to retain certain information for legal or administrative purposes, such as record keeping, maintenance of security, fraud and abuse prevention, or to comply with our legal obligations.
Marketing Communications
You can opt out of receiving promotional emails from us by following the unsubscribe instructions included in each email. Even if you opt out of receiving promotional messages, we will still send you transactional messages related to your accounts and purchases.
Data Security
We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure.
We regularly monitor our systems for possible vulnerabilities and attacks and regularly review our information collection, storage, and processing practices to update our physical, technical, and organizational security measures.
International Data Transfers
Your information, including personal information, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside Nigeria and choose to provide information to us, please note that we transfer the data, including personal information, to Nigeria and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
Children's Privacy
Our Service is not directed to children under the age of 18. We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us. If we discover that a child under 18 has provided us with personal information, we will delete such information from our servers immediately.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy, please contact us:
- Email: privacy@payora.com
- 123 Tech Avenue, Lagos, Nigeria
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