PPay ("we," "our," or "us") values your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use
the PPay mobile application and related services.
By using the PPay application, you agree to the collection and use of your information in accordance with
this Privacy Policy.
1. Information We Collect
Personal Information
Full name
Email address
Phone number
Residential address (if provided)
Account Information
User ID
Login credentials
Google Sign-In information (when you choose to sign in with Google)
Device identifiers
Transaction PIN (stored securely)
Transaction Information
Wallet funding transactions
Airtime purchases
Data bundle purchases
Electricity token purchases
Funding history
Withdrawal requests
Payment references
Transaction receipts
Device Information
Device model
Operating system version
App version
IP address
Device identifiers
Diagnostic and crash information
2. How We Use Your Information
Create and manage your account.
Verify your identity.
Process wallet funding and withdrawals.
Process airtime, data, and electricity purchases.
Provide customer support.
Send important notifications regarding your account.
Improve the performance, security, and reliability of our services.
Detect, investigate, and prevent fraud or unauthorized activity.
Comply with applicable legal and regulatory obligations.
3. Google Sign-In
If you choose to sign in using Google, we may receive information such as:
Your full name
Your email address
Your Google account identifier
Your profile picture (if available)
We only use this information to create or authenticate your account.
We do not access your Google password.
4. Sharing of Information
We do not sell your personal information.
We may share information only when necessary with:
Payment processors
Service providers
Electricity vending providers
Airtime and data providers
Regulatory authorities where required by law
Law enforcement agencies when legally obligated
All third parties are required to protect your information appropriately.
5. Data Security
We implement appropriate administrative, technical, and physical safeguards to protect your information.
These include:
Secure HTTPS communication
Encrypted authentication tokens
Secure password storage
Transaction PIN protection
Access controls
Continuous security monitoring
Despite our efforts, no system can guarantee absolute security.
6. Data Retention
We retain your information only for as long as necessary to:
Provide our services
Meet legal obligations
Resolve disputes
Prevent fraud
Enforce our agreements
7. Your Rights
Depending on applicable law, you may have the right to:
Access your personal information.
Correct inaccurate information.
Request deletion of your account where legally permitted.
Withdraw consent where applicable.
Contact us regarding your personal information.
8. Children's Privacy
PPayng is not intended for children under the age required by applicable law without parental or guardian consent.
We do not knowingly collect personal information from children in violation of applicable laws.
9. Third-Party Services
Our application may interact with trusted third-party providers for services such as:
Payment processing
Authentication
Analytics
Push notifications
Electricity vending
Airtime and data services
These providers maintain their own privacy policies.
10. Changes to This Privacy Policy
We may update this Privacy Policy periodically.
Any changes will become effective once the updated policy is published within the application or on our official website.