Privacy Policy
1. Who we are
Kavopay is a digital service that helps you manage airtime top-ups and related account tools. We rely on secure authentication, databases, and backend services to provide these features.
2. Information we collect
Depending on how you use Kavopay, we may collect the following categories of information:
2.1 Account information
- Full name
- Email address
- Phone number
- Date of birth
- Account login details (your actual password is never shown to our staff)
2.2 Identity and verification data
When you complete verification or compliance checks, we may collect:
- National Identification Number (NIN) or similar identifiers required by regulation
- Date of birth and name as part of identity verification
- Verification status and related flags (for example, whether your identity has been verified)
2.3 Usage and device information
- Technical details such as device type, operating system, and app version
- Log information such as dates and times of sign-in, sign-up, password reset, and account setup actions
- Information about how you interact with Kavopay screens and features (for example, taps and navigation events)
2.4 Transaction-related information
When you use Kavopay to perform supported actions (such as airtime top-ups or creating an account with a partner institution), we may store:
- Details about those operations (for example, type of transaction, amounts, dates, and status)
- Reference numbers and other identifiers shared by our payment or banking partners
3. How we use your information
We use the information we collect to:
- Create and manage your Kavopay account
- Authenticate you and keep your sessions secure
- Perform identity and compliance checks where required
- Provide airtime top-up and other account tools
- Detect, prevent, and investigate fraud, abuse, or suspicious activity
- Send security notifications such as login alerts, password reset emails, and verification emails
- Improve the reliability, performance, and usability of Kavopay
4. Legal bases for processing
We process your information based on one or more of the following legal grounds (depending on your location):
- Your consent (for example, when you agree to this Privacy Policy and submit your information)
- Performance of a contract with you (providing Kavopay services)
- Compliance with legal and regulatory obligations
- Our legitimate interests in securing our services and preventing fraud
5. How we share your information
We do not sell your personal data. We may share information with:
- Cloud and infrastructure providers that host our systems and help us deliver the service.
- Payments and banking partners involved in creating or operating accounts or processing airtime-related transactions.
- Analytics, security, and anti-fraud providers that help us protect accounts and detect abuse.
- Regulators and law-enforcement authorities when required by law or to protect our rights, our users, or others.
Whenever we share data with third-party processors, we require them to handle it securely and only for the purposes described in this Privacy Policy.
6. Data storage and security
- Your data is stored on secure infrastructure designed for high availability and protection.
- We apply technical and organizational measures to protect data against loss, misuse, or unauthorized access.
- Access to personal data is limited to staff and partners who need it to operate or support the service.
No system can be 100% secure, but we work to keep Kavopay reasonably protected and monitor for abuse or suspicious activity.
7. Data retention
We keep your information for as long as your Kavopay account is active or as needed to provide services, comply with legal obligations, resolve disputes, and enforce our agreements. Some records may be retained for a longer period where required by law or for security reasons.
8. Your choices and rights
Depending on your jurisdiction, you may have the right to:
- Access the personal data we hold about you
- Request correction of inaccurate or incomplete information
- Request deletion of your data, subject to legal or regulatory limits
- Object to or restrict certain types of processing
- Withdraw consent where processing is based on consent
If you want to exercise any of these rights, please contact us using the details in the “Contact us” section below. We may need to verify your identity before completing your request.
9. Children’s privacy
Kavopay is not designed for children under the age of 18. We do not knowingly collect personal information from children under 18. If you believe a child has provided us with personal information, please contact us so we can investigate and, where appropriate, delete the data.
10. International data transfers
Because we rely on cloud services and external infrastructure providers, your information may be processed and stored in countries outside of your own. We take steps to ensure that such transfers comply with applicable data protection laws and that your data remains reasonably protected.
11. Third-party services and links
Kavopay may contain links to third-party sites or services (for example, support pages or partner services). This Privacy Policy applies only to Kavopay. We are not responsible for the privacy practices of third-party sites, and we recommend that you review their policies separately.
12. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. When we make material changes, we will update the “Version” or “Last updated” information at the top of this page and, where appropriate, notify you through the app or by email.
13. Contact us
If you have questions about this Privacy Policy or how your data is handled, you can contact us at:
- Email: [kavopay@gmail.com]
- Subject line suggestion: “Kavopay Privacy Request”
Please include enough information for us to identify your account (for example, the email address you use with Kavopay), but do not send your password or full NIN over email.