At OiiPay, we prioritize your privacy, security, and trust. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our blockchain-powered mobile wallet services.

OiiPay is committed to full compliance with global and regional privacy regulations, including:
General Data Protection Regulation (GDPR) (EU Users)
California Consumer Privacy Act (CCPA) (US Users)
Nigeria Data Protection Regulation (NDPR) (Nigerian Users)
Other applicable international data protection laws
By using OiiPay, you acknowledge that you have read and understood this policy.

Information We Collect

Personal Information

Full name
Phone number
Email address
Government-issued ID (for KYC verification where required)
Biometric data (if enabled for security)

Financial & Transaction Data

Payment history and transaction records
Linked bank account details
Digital wallet balance and activity

Device & Technical Data

Device information (model, OS, unique device identifiers)
IP address and geolocation data (for fraud prevention)
App usage analytics

How We Use Your Information

OiiPay processes personal data only for legitimate business and legal purposes, including:
Providing Secure Transactions – Processing payments, verifying identity, and preventing fraud.
Enhancing Security – Using AI-powered fraud detection and multi-layer authentication.
Regulatory Compliance – Meeting anti-money laundering (AML) and Know Your Customer (KYC) requirements.
User Support & Notifications – Sending account alerts, security updates, and service-related communications.
Product Development & Improvement – Analyzing usage data to improve OiiPay services.

Legal Basis for Processing Data (GDPR Compliance)

OiiPay processes your personal data based on:
✔ Consent – You provide explicit consent when signing up for our services.
✔ Contractual Obligation – Necessary to fulfill our agreement with you (e.g., processing transactions).
✔ Legal Compliance – Required under financial and anti-fraud regulations.
✔ Legitimate Interest – Fraud prevention, security enhancement, and service improvement.
Users in the EU/EEA have the right to withdraw consent at any time.

How We Protect Your Data

OiiPay implements state-of-the-art security measures, including:
End-to-End Encryption – All transactions and sensitive data are encrypted.
Blockchain Security – Immutable ledger prevents data tampering.
Multi-Factor Authentication (MFA) – PIN codes, biometrics, and OTP verification.
Access Controls – Restricted access to authorized personnel only.

Data Sharing & Third-Party Disclosures

We do not sell or rent your personal data. However, we may share information under the following circumstances:
With Financial Institutions – When you link your bank account or make transactions.
With Regulators & Law Enforcement – To comply with legal obligations, fraud investigations, and financial audits.
With Service Providers – Third-party partners assisting with security, analytics, and infrastructure.
With Your Consent – If you authorize sharing with third-party services.
All third parties must comply with strict data protection agreements before accessing any OiiPay data.

Data Storage & Retention

OiiPay retains user data only as long as necessary for:
Providing our services
Complying with legal & financial regulations
Resolving disputes and preventing fraud
Upon request, we will delete or anonymize personal data, subject to legal retention obligations.

Your Privacy Rights

Under global privacy laws, you have the right to:
Access & Update Your Data – Review or modify your account details.
Request Data Deletion – Erase your data (subject to financial regulations).
Opt-Out of Marketing – Disable promotional messages.
Restrict Data Processing – Limit how we use your information.
To exercise these rights, contact info@oiipay.com.

GDPR & International Privacy Compliance

GDPR – For EU/EEA Users
Users in the European Economic Area (EEA) have additional rights, including:
✔ Right to Be Informed – Know how we collect and use your data.
✔ Right to Data Portability – Obtain a copy of your data in a structured format.
✔ Right to Object – Stop data processing for specific purposes.
To exercise your GDPR rights, contact info@oiipay.com.

NDPR – For Nigerian Users
OiiPay complies with the Nigeria Data Protection Regulation (NDPR) by:
✔ Implementing secure data processing and storage practices.
✔ Preventing unauthorized access or misuse of user data.
✔ Ensuring compliance with Nigerian financial security laws.

CCPA – For California Users
If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including:
✔ Right to Know – What personal data we collect and share.
✔ Right to Delete – Request removal of personal data.
✔ Right to Opt-Out – Decline the sale of personal data (OiiPay does not sell data).
To exercise your CCPA rights, contact info@oiipay.com.

Cookies & Tracking Technologies

OiiPay may use cookies or analytics tools to:
Improve app performance
Track transaction patterns
Enhance fraud detection
You can manage cookie preferences in your device settings.

Regulatory Compliance & Legal Disclosures

OiiPay is subject to local and international financial regulations, including:
Anti-Money Laundering (AML) & Know Your Customer (KYC) laws
Central Bank of Nigeria (CBN) guidelines
Financial Action Task Force (FATF) recommendations
In case of law enforcement requests, OiiPay may disclose necessary user data as required by law.

Changes to This Privacy Policy

OiiPay reserves the right to update this Privacy Policy as needed. Any changes will be:
Published on our website
Communicated to users via email or app notifications
Last updated: February / 2025

Contact Us

If you have any questions about this Privacy Policy or your data rights, contact us at:
Email: info@oiipay.com
OiiPay – Secure. Seamless. Private.