Last Updated: April 26, 2025
At Payhere, we value your privacy and are committed to protecting your personal information. This Privacy Policy outlines the types of personal data we collect, how we use it, and the measures we take to protect it. By using our services, you agree to the collection and use of information in accordance with this policy.
1. Introduction
Payhere is a bill payment app designed to help Nigerians living abroad pay bills for their family and friends in Nigeria. We aim to provide a secure, efficient, and reliable platform for managing payments across borders. In the course of using our services, we collect and process certain personal data to provide a seamless user experience. This policy explains what information we collect, why we collect it, and how we use and protect it.
2. Information We Collect
We collect two types of information:
a) Personal Information
- Account Details: Full name, email address, phone number, country of residence, and other contact information.
- Payment Information: Credit card/debit card details, bank account information, transaction history, and payment method preferences.
- Identity Verification: Information necessary to comply with anti-money laundering regulations (e.g., a valid government-issued ID, proof of address).
- Geolocation: To ensure compliance with regulatory requirements, we may collect the IP address and location data of users when they access the app.
b) Non-Personal Information
- Device Information: Information about the device you use to access Payhere (e.g., device type, operating system, browser type).
- Usage Data: Logs, analytics, and other information related to your use of the app to help us improve the app’s performance and user experience.
3. How We Use Your Information
We use the information we collect for the following purposes:
- To Provide Services: We process your personal and payment information to enable bill payments to your family in Nigeria.
- Transaction Processing: To securely process payments, verify your identity, and prevent fraud.
- Customer Support: To respond to your inquiries, provide support, and resolve any issues you may encounter with the app.
- Communication: To send you updates regarding your transactions, service updates, and any promotional offers (only if you have opted in).
- Improvement of Services: To analyze usage patterns, fix bugs, and improve the overall user experience.
4. Sharing Your Information
We may share your personal information in the following situations:
- Service Providers: We may share your data with third-party service providers that assist in payment processing, fraud prevention, and other services necessary for the functioning of Payhere.
- Legal Compliance: We may disclose your information if required by law, in response to a subpoena, or to protect our rights, privacy, safety, or property, and those of our users or the public.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of the transaction.
5. Data Retention
We will retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, including for the purposes of complying with legal, accounting, or reporting obligations. If you wish to delete your account, please contact us, and we will securely remove your data from our system, unless retention is required by law.
6. Security of Your Information
We take your privacy seriously and implement appropriate technical and organizational measures to safeguard your personal information. These include:
- Encryption: We encrypt your payment data using industry-standard encryption techniques to protect it from unauthorized access.
- Access Control: Only authorized personnel can access your personal information, and we regularly audit access logs to ensure compliance.
- Two-Factor Authentication: We offer an additional layer of security through two-factor authentication (2FA) to protect your account.
However, please be aware that no method of electronic transmission or storage is 100% secure, and while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
7. Your Rights and Choices
As a user, you have the following rights regarding your personal information:
- Access: You have the right to request a copy of the personal data we hold about you.
- Correction: You can correct any inaccurate or incomplete information.
- Deletion: You can request that we delete your personal data, subject to legal and contractual obligations.
- Opt-Out: You can opt out of receiving promotional communications at any time by following the unsubscribe instructions in the email or contacting us directly.
- Data Portability: You have the right to request a transfer of your personal data to another service provider.
To exercise these rights, please contact us at the details provided below.
8. International Data Transfers
Since Payhere serves users globally, your personal data may be transferred to and stored on servers outside your country of residence. By using Payhere, you consent to the transfer and processing of your data in countries outside your country of residence, including Nigeria and countries in Europe or the U.S.
9. Children’s Privacy
Payhere is not intended for individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that a child under the age of 18 has provided us with personal data, we will take steps to delete such information.
10. Updates to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we update the policy, we will post the revised version on our website and mobile app. Any changes will take effect immediately upon posting. We encourage you to review this policy periodically for any updates.
11. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your rights regarding your personal information, please contact us:
- Email: privacy@payhere.online