Privacy Policy for Payklip

Effective Date 01st January 2026

1. Introduction

Welcome to Payklip. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application (available on Android and iOS), website, and related services including phone airtime & data top-ups, TV subscriptions, electricity bill payments, instant exam result checking pins, SME reselling, and API integration services.

By accessing or using Payklip, you agree to this Privacy Policy.

2. Information We Collect

2.1 Personal Information

Account Information: Name, email address, phone number, business details (for SME/reseller accounts), and payment information.

Verification Data: Government-issued ID, proof of address, or business registration documents for verification purposes.
Contact Information: Address book/contacts (with your permission) for easier transaction processing.

2.2 Transaction Information

Service details (phone numbers, meter numbers, account numbers, TV subscription details)
Transaction amounts and timestamps
Payment method details (excluding full payment card numbers which are handled by secure payment processors)

2.3 Technical and Usage Data

Device information (model, operating system, unique device identifiers)
IP address, browser type, and log data
Usage patterns, feature interactions, and API usage statistics (for developers)

2.4 Reseller and API User Data

Business registration details
API keys and integration data
Sales statistics and customer transaction data (aggregated and anonymized)
Reseller network information

3. How We Use Your Information

To provide, maintain, and improve our services
To process transactions and send confirmations
To verify your identity and prevent fraud
To facilitate SME/reseller programs and API integrations
To communicate about services, updates, and promotions
To comply with legal obligations and prevent illegal activities
To analyze usage patterns and optimize user experience
To facilitate peer-to-peer transactions between resellers and customers

4. Information Sharing and Disclosure

4.1 Service Providers

We share information with:

Payment processors and financial institutions
Telecommunications companies and utility providers
Educational institutions and exam boards (for result checking pins)
Cloud service providers and infrastructure partners

4.2 Legal Requirements

We may disclose information if required by law, regulation, or legal process.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, user information may be transferred.

4.4 Reseller Network

Limited transaction information may be shared between resellers and their customers to facilitate services.

4.5 API Integration Partners

Aggregated, anonymized data may be shared with API partners
Specific transaction data only shared as necessary for service delivery

5. Data Security

We implement appropriate technical and organizational measures including:

Encryption of sensitive data in transit and at rest
Secure payment processing through PCI-DSS compliant partners
Regular security assessments and vulnerability testing
Access controls and authentication protocols
Secure API key management for developers

6. Data Retention

We retain personal information only as long as necessary for:

Providing services to you
Compliance with legal obligations
Resolving disputes and enforcing agreements
Legitimate business purposes

Transaction records are retained as required by financial regulations.

7. Your Rights and Choices

7.1 Access and Correction

You may access, update, or correct your account information through the app settings or by contacting us.

7.2 Data Portability

You may request a copy of your data in a structured, machine-readable format.

7.3 Deletion

You may request deletion of your account, subject to legal retention requirements.

7.4 Marketing Communications

You may opt-out of promotional communications via unsubscribe links or app settings.

7.5 API Users and Resellers

Additional controls for API usage monitoring and reseller analytics are available in your dashboard.

8. International Data Transfers

Payklip operates in [Country/Region]. If you use our services from other regions, your information may be transferred to and processed in [Country/Region], which may have different data protection laws.

9. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If we become aware of such collection, we will take steps to delete it.

10. Third-Party Services

Our services may contain links to third-party websites or services. This Privacy Policy does not apply to those third-party services.

11. SME/Reseller Specific Provisions

Resellers are responsible for complying with privacy laws regarding their customers' data
Resellers must obtain necessary consents for data processing
Payklip provides data processing agreements for resellers as needed

12. API Integration Specific Provisions

API users must implement appropriate security measures
API usage is monitored for security and compliance
Rate limiting and usage caps apply to prevent abuse

13. User Conduct

Users agree to:

Use the platform for lawful purposes only.
Refrain from engaging in activities that disrupt or interfere with the platform's functionality.
Respect the rights and privacy of other users.

14. Intellectual Property

All content, trademarks, and data on payklip are the property of payklip or its sponsor and are protected by applicable intellectual property laws.

15. Limitation of Liability

Payklip is not liable for any indirect, incidental, or consequential damages arising from the use or inability to use our services.

16. Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify users of material changes through the app, website, or email.

17. Contact Us

For questions about this Privacy Policy or our data practices, contact:

Email: contact@payklip.com.ng
Address: 12B Rock Road Kaduna
Phone: 07015111505