Privacy Policy

1. Introduction & Scope

Payroxa ("we", "our", or "us") is dedicated to safeguarding your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information when you access our website (payroxa.com.ng), web portal, mobile apps, and associated APIs.

2. Information We Collect

To provide compliant, secure, and rapid financial services, we collect the following categories of information:

• Identity Information: Full legal name, date of birth, government identification numbers (NIN, BVN for regulatory KYC verification).
• Contact Information: Email address, phone number, residential or registered business address.
• Financial & Transactional Data: Bank account numbers, transaction histories, wallet balances, and merchant payment receipts.
• Technical Device Data: IP addresses, browser types, operating system identifiers, and biometric token authorizations.

3. How We Use Your Information

We process your data strictly to deliver contracted financial services, fulfill statutory obligations under Nigerian anti-money laundering (AML) directives, prevent fraudulent transactions, and provide 24/7 customer assistance.

4. Information Sharing & Third Parties

Payroxa never sells your personal information to advertisers. We share information only with licensed payment switch operators, regulatory bodies when required by law, and verified identity verification infrastructure partners.

5. Data Retention & Security

We retain transaction records according to Central Bank of Nigeria (CBN) and NDPR record-keeping requirements. All sensitive records are protected with AES-256 encryption at rest and TLS 1.3 in transit.

6. Your Rights

You maintain the right to access, rectify, or request the deletion of your personal data subject to statutory regulatory compliance. For privacy inquiries, contact our Data Protection Officer at support@payroxa.com.ng.