Privacy Policy

ChatPay is a service provided by CP Technology Limited ("we", "us", or "our"), located at Ikorodu Rd, Lagos, Lagos 100211, Nigeria. We respect your privacy and are committed to protecting your personal data in line with the Nigeria Data Protection Regulation (NDPR).

a. Information you provide

• Phone number
• Name (if provided)
• Chat messages related to transactions

b. Bank-related data (via partners)

• Bank name
• Account identifier (tokenised)
• Transaction references
• Consent records

We use data to:

• Initiate payments you approve
• Communicate transaction status
• Prevent fraud
• Meet legal obligations
• Improve our services

4. Legal Basis for Processing

We process data based on:

• Your consent
• Performance of a service
• Legal and regulatory obligations

We may share data with:

• Licensed financial partners (e.g., banks, Mono)
• Service providers (hosting, analytics)
• Regulators or law enforcement where required

6. Data Retention

We retain data only for:

• As long as required to provide services
• Compliance with legal obligations

We use:

• Encryption
• Access controls
• Secure infrastructure

However, no system is completely risk-free.

You have the right to:

• Access your data
• Correct inaccuracies
• Withdraw consent
• Request deletion (subject to legal limits)

9. Third-Party Services

ChatPay integrates with third parties such as:

• Banks
• Open banking providers
• WhatsApp (Meta)

Their privacy policies also apply.

10. Children's Privacy

ChatPay is not intended for persons under 18.

11. Updates to this Policy

We may update this Privacy Policy periodically.