Privacy Policy

PayFluxa ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our VTU platform.

1. Information We Collect

We may collect the following information when you use our Platform:

• Personal Information: Name, email address, phone number, date of birth
• Account Information: Username, password, wallet balance, transaction history
• Payment Information: Bank details, card information (processed securely by Paystack)
• Technical Information: IP address, browser type, operating system, device information
• Usage Data: Pages visited, features used, time spent on the Platform

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our VTU services
• To process transactions and send transaction notifications
• To respond to your inquiries and provide customer support
• To detect, prevent, and address technical issues or fraudulent activity
• To comply with legal obligations and regulatory requirements
• To send you promotional communications (with your consent)

3. Sharing Your Information

We do not sell or rent your personal information to third parties. We may share your information in the following circumstances:

• Service Providers: With trusted partners who perform services on our behalf (e.g., Paystack for payment processing)
• Legal Compliance: When required by law or to respond to legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Protection of Rights: To protect our rights, property, or safety, or that of our users

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• 256-bit SSL encryption for all data transmissions
• PCI-DSS compliance for payment processing
• Regular security audits and vulnerability assessments
• Strict access controls and authentication procedures

However, no method of transmission over the internet or electronic storage is 100% secure.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Transaction records are kept for a minimum of 6 years for accounting and legal purposes.

6. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• The right to access, correct, or delete your personal information
• The right to restrict or object to the processing of your information
• The right to data portability
• The right to withdraw consent (where processing is based on consent)

To exercise these rights, please contact us using the information provided below.

7. Children's Privacy

Our Platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence, including Nigeria where our servers are located. These countries may have different data protection laws than your country.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

10. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:

PayFluxa
Email: privacy@payfluxa.com.ng
Phone: +234 801 234 5678
Address: Lagos, Nigeria