Privacy Policy
Last updated: __________ (replace with your date).
This Privacy Policy explains how EnerPay Solutions (“EnerPay”, “we”, “us”, “our”) collects, uses, shares, and protects personal information when you use our websites, applications, and services (“Services”). We aim to comply with the Nigeria Data Protection Regulation (NDPR) and other applicable privacy laws.
1. Information we collect
- Account data: name, phone number, email address, password hash, and profile details.
- Identity/KYC data: government ID details, date of birth, address, selfies, and verification results (where required).
- Transaction data: token purchases, payment references, receipts, settlement status, refunds, and disputes.
- Device/service data: meter number, device identifiers, service status events (supported products only).
- Technical data: IP address, device type, browser, log data, and cookie identifiers.
- Support data: messages and recordings you send to customer support.
2. How we use information
- Provide and operate the Services (payments, token vending workflows, BNPL schedules, dashboards).
- Verify identity, prevent fraud, and comply with legal obligations.
- Process transactions, send receipts, reminders, and important service notices.
- Improve performance, reliability, and user experience.
- Handle disputes, chargebacks, and customer support requests.
3. Legal bases
We process personal information for purposes including performance of a contract, compliance with legal obligations, legitimate interests (e.g., fraud prevention), and consent (where required, such as marketing communications).
4. How we share information
- Payment processors: to process card/bank transfers and confirm settlement.
- KYC/verification providers: to verify identity and risk signals.
- Metering/energy partners: to vend tokens, validate meter numbers, and update transaction status.
- Financing partners: where BNPL is provided by a third party, for underwriting and loan administration.
- Authorities: where required by law or to protect rights and safety.
We do not sell your personal information. We only share information as needed to deliver the Services and meet legal requirements.
5. Cookies
We use cookies and similar technologies for session management, security, and analytics. You can control cookies in your browser settings, though disabling certain cookies may affect site functionality.
6. Data retention
We retain personal information for as long as necessary to provide the Services, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements.
7. Security
We implement administrative, technical, and organizational security measures designed to protect your data. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
8. Your rights
Subject to applicable law, you may request access, correction, deletion, objection, or portability of your personal information. To make a request, contact us using the details below.
9. International transfers
If we transfer personal information outside Nigeria, we will take appropriate measures to ensure a comparable level of protection, consistent with NDPR and applicable laws.
10. Children
Our Services are not intended for children. If you believe a child has provided data to us, please contact us.
11. Changes
We may update this Privacy Policy from time to time. We will post the updated version and update the “Last updated” date.
12. Contact
For privacy questions or requests, contact us at support@enerpay.ng or call +234 (0) 802 000 0000.
Note: This template is for general information and should be reviewed by a privacy/legal professional for NDPR compliance, your specific integrations, and your data flows.