Privacy Policy

Draft version — last generated August 2026

1. Introduction

NivoltPay ("we", "us", "our") provides digital VTU and financial services including airtime, data, bill payments, wallet funding and agent commission management. This policy is intended to describe how we collect, use, store and protect information you provide to us, including identity verification data (such as BVN) required for KYC/AML compliance.

2. Information We Collect

• Account information: name, email, phone number, password (hashed).
• Identity verification data: BVN and related KYC fields, used solely for identity/tier verification.
• Transaction data: wallet balances, transaction history, commission records.
• Technical data: IP address, device/browser information, login timestamps (for security/fraud monitoring).

3. How We Use Information

• To provide and operate wallet, VTU and agent services.
• To verify identity and comply with KYC/AML regulatory obligations.
• To detect and prevent fraud, and to secure user accounts.
• To communicate transaction receipts, alerts and account notifications.

4. Data Sharing

We share the minimum necessary data with licensed third-party providers strictly to deliver services you request — for example, VTU/airtime providers to fulfill a purchase, payment gateways to process wallet funding, and identity verification providers to confirm BVN details. We do not sell personal data.

5. Data Retention & Security

Data is retained for as long as your account is active and as required by applicable financial recordkeeping regulations. Sensitive identifiers (such as BVN) are stored using industry-standard hashing/encryption practices.

6. Your Rights

You may request access to, correction of, or deletion of your personal data, subject to our regulatory recordkeeping obligations, by contacting support.

7. Contact

Questions about this policy can be sent to support@nivoltpay.com.