Your privacy matters to us. This policy explains how Ravapay collects, uses, and protects your information.
Last Updated: June 2026
Ravapay Technologies Limited ("Ravapay", "we", "us", or "our") is committed to protecting your personal data and respecting your privacy. This Privacy Policy describes how we collect, use, store, share, and safeguard your information when you use our website, mobile application, and payment services. By accessing or using Ravapay's services, you agree to the terms outlined in this policy.
1.1 Personal Information. When you register or use our services, we may collect: full name, email address, phone number, date of birth, government-issued ID details, bank account information, and business registration details (for merchants).
1.2 Transaction Data. We collect data about transactions you carry out through our platform, including payment amounts, recipients, timestamps, and transaction references.
1.3 Device & Usage Data. We automatically collect information such as IP address, browser type, device identifiers, pages visited, and time spent on our platform to improve our services and detect fraud.
2.1 Service Delivery. To process payments, verify your identity, manage your account, and provide customer support.
2.2 Compliance & Security. To comply with applicable laws and regulations (including CBN directives and AML/KYC requirements), detect fraud, and protect the security of our platform and users.
2.3 Communication. To send you transaction alerts, service updates, promotional offers (where you have opted in), and important notices about your account.
2.4 Improvement. To analyse usage patterns, conduct research, and improve our products and services.
3.1 We Do Not Sell Your Data. Ravapay does not sell, rent, or trade your personal information to third parties for marketing purposes.
3.2 Trusted Partners. We may share data with payment processors, banking partners, identity verification providers, and cloud infrastructure providers strictly to deliver our services. All partners are bound by confidentiality agreements.
3.3 Legal Obligations. We may disclose information when required by law, court order, or regulatory authority, including the Central Bank of Nigeria (CBN) and the Nigerian Financial Intelligence Unit (NFIU).
4.1 Retention Period. We retain your personal data for as long as your account is active and for a minimum of five (5) years after account closure, as required by Nigerian financial regulations.
4.2 Deletion Requests. You may request deletion of your data by contacting us. Note that we may be required to retain certain records for regulatory compliance even after a deletion request.
5.1 Protection Measures. We use industry-standard encryption (TLS/SSL), secure servers, access controls, and regular security audits to protect your information from unauthorised access, alteration, or disclosure.
5.2 Your Responsibility. You are responsible for keeping your login credentials confidential. Please notify us immediately at support@ravapay.com if you suspect any unauthorised access to your account.
6.1 Access & Correction. You have the right to access the personal information we hold about you and to request corrections if it is inaccurate or incomplete.
6.2 Objection & Restriction. You may object to certain processing of your data or request that we restrict how we use it, subject to applicable legal requirements.
6.3 Data Portability. You may request a copy of your personal data in a structured, machine-readable format where technically feasible.
7.1 Use of Cookies. We use cookies and similar tracking technologies to maintain your session, remember preferences, and gather analytics. You can control cookie settings through your browser, but disabling them may affect some features.
8.1 Age Restriction. Our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has provided us with personal data, we will delete it promptly.
9.1 Updates. We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page and notify you via email or an in-app notice for material changes. Your continued use of our services after such changes constitutes acceptance of the updated policy.
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please contact our Data Protection Officer at: support@ravapay.com
Our team is ready to address any questions about how we handle your data.
support@ravapay.com