Privacy Policy

Last Updated: [13th, Jan, 2025]

Snapiro (“we”, “us”, “our”) is committed to protecting your privacy and the security of all personal data shared with us. This Privacy Policy explains how we collect, use, store, share, and protect your information when you use our products, applications, website, or services (the “Services”).

This policy complies with the Nigeria Data Protection Regulation (NDPR), the Nigeria Data Protection Act (NDPA), and aligns with international standards such as GDPR.

1. Information We Collect

We collect personal and non-personal information to process transactions, protect users, and improve our services.

A. Personal Information

We may collect:
• Full name
• Phone number
• Email address
• BVN (where required)
• Payment details (masked or tokenized)
• Identity information (NIN, ID card, KYC documents)
• Residential or business address
• Date of birth
• Device information (IP address, operating system, browser type)

B. Transaction Information

• Airtime and data purchase history
• Utility bill payments
• Wallet transfers
• Crypto and fiat transactions
• Bank account or virtual account details (tokenized)

C. Automatic Data

• Log files
• App/website usage analytics
• Cookies and device identifiers

We only collect data necessary for providing secure financial services and meeting regulatory compliance requirements.

2. How We Use Your Data

Your data is processed to:
• Create and manage your Snapiro account
• Process airtime, data, payments, and bill transactions
• Verify your identity (KYC) and comply with financial regulations
• Detect and prevent fraud
• Provide customer support
• Improve user experience, security, and functionality
• Send notifications, product updates, or alerts

3. Legal Basis for Processing

We process data under:
• Your consent
• Contractual necessity (to provide our services)
• Legitimate business interests (fraud prevention and service improvement)
• Legal and regulatory obligations (CBN, AML/KYC)

4. Data Sharing and Third Parties

We do not sell customer data.
We may share information with:
• Licensed payment processors
• KYC, identity and verification partners
• Telecom and utility service providers
• Financial institutions
• Regulatory or law enforcement authorities (only when legally required)

All partners operate under strict confidentiality and data protection agreements.

5. Cookies and Tracking

We use cookies to secure login sessions, enhance performance, and analyze usage.
Users may disable cookies, but some functions may not work correctly.

6. Data Storage and Security

We implement strong security measures including:
• Encryption
• Tokenization of sensitive data
• Multi-factor authentication
• Firewalls and intrusion monitoring
• Regular security audits

Data may be stored in Nigeria or secure data centers in GDPR-compliant regions.

7. Data Retention

We retain personal data only for as long as necessary to provide services, comply with legal obligations, resolve disputes, or prevent fraud.
You may request deletion where legally permitted.

8. Your Rights

You have the right to:
• Request access to your data
• Correct or update data
• Request deletion (when legally allowed)
• Withdraw consent
• Request data portability
• File a complaint with a regulator

To exercise these rights, contact us at: privacy@snapiro.com

9. Children’s Privacy

Our services are not intended for minors under 18, and we do not knowingly collect data from children.

10. International Data Transfers

If data is transferred outside Nigeria, we ensure appropriate safeguards and compliance with NDPR and applicable laws.

11. Changes to This Policy

We may update this Privacy Policy and will post changes with an updated effective date.

12. Contact Us

For questions, complaints, or data requests, contact:

Snapiro Technologies Limited
Email: privacy@snapiro.com
NTA Road, Mgbuoba