StreetPay Privacy Policy

Effective Date: Feb, 2025

1. Introduction

StreetPay values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when using our services, particularly in connection with 9 Payment Service Bank (9PSB), which holds and processes funds for transactions.

By using StreetPay, you agree to the collection and use of your information as outlined in this policy.

2. Information We Collect

We collect different types of personal and financial information to provide secure and efficient services. This includes:

2.1 Personal Information

Full name
Phone number
Email address
Date of birth
Government-issued ID (for verification, not stored)

2.2 Financial Information

Transaction details (amount, date, recipient, status)
Linked bank account details
Wallet balance and payment history

2.3 Device & Technical Data

IP address
Device type and operating system
Browser type
App usage analytics
Location data (if enabled)

2.4 Communication & Support Data

Chat conversations with customer support
Emails and inquiries
Complaint and dispute records

3. How We Use Your Information

We use your information for the following purposes:

Transaction Processing – To complete payments, refunds, and settlements via 9PSB.
Fraud Prevention & Security – To detect and prevent unauthorized access, fraud, and identity theft.
Compliance with Regulations – To meet CBN (Central Bank of Nigeria) and AML/KYC (Anti-Money Laundering & Know Your Customer) requirements.
Customer Support – To resolve disputes, process refunds, and provide assistance.
Personalization & Improvements – To enhance the user experience based on preferences and app usage data.
Marketing & Notifications – To inform users about promotions, service updates, and security alerts (users can opt-out).

4. Data Sharing & Third Parties

StreetPay does not sell or rent your personal data. However, we share necessary information with:

9PSB (9 Payment Service Bank) – For transaction processing and wallet management.
Regulatory Authorities – If required by CBN, EFCC, or law enforcement for compliance.
Service Providers – Trusted third-party vendors handling fraud detection, security, or analytics.
Merchants & Partners – When required for processing payments (with your consent).

All third parties adhere to strict confidentiality and data protection policies.

5. Data Security

We implement industry-standard security measures to protect your data, including:

✔ End-to-End Encryption (E2EE) for transactions
✔ Secure Storage (via 9PSB’s PCI-DSS compliant systems)
✔ Multi-Factor Authentication (MFA) for account access
✔ Regular Security Audits to prevent breaches

Users are advised to keep their login credentials private and report any suspicious activity.

6. Data Retention & Deletion

Transaction records are stored for 7 years (as per financial regulations).

Personal data may be retained longer for compliance or fraud prevention.

Users can request data deletion by contacting support@streetpayng.com, but regulatory requirements may prevent full deletion of certain records.

7. Your Rights & Choices

Users have the following rights regarding their personal data:

✅ Access & Review – Request a copy of your stored data.
✅ Correction – Update inaccurate or incomplete information.
✅ Opt-Out – Disable marketing communications.
✅ Account Deletion – Request removal of your account (subject to legal and financial compliance).

To exercise these rights, email privacy@streetpayng.com.

8. Cookies & Tracking Technologies

StreetPay may use cookies, web beacons, and similar tracking tools to:

Enhance app functionality
Improve fraud detection
Personalize user experience

Users can manage cookie settings in their device or browser.

9. Policy Updates

StreetPay reserves the right to update this Privacy Policy to reflect regulatory changes, new security measures, or service improvements. Users will be notified of significant updates via email or app notifications.

10. Contact Information

For privacy concerns, contact:

📧 Email: privacy@streetpayng.com
📞 Support Line:+234 8164568803

This policy complies with CBN data protection guidelines, NDPR (Nigeria Data Protection Regulation), and global best practices (GDPR-compliant where applicable).

By using StreetPay, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

11. Request Account Deletion

If you wish to delete your StreetPay account, please fill in the details below and submit your request. Note that some data may be retained as required by law (e.g., for fraud prevention and regulatory compliance).