Information we collect
- Identity, contact and onboarding information, including information required for KYC.
- Wallet, linked-account, payment, beneficiary and transaction records.
- WhatsApp messages sent to ChatPay, support requests and communication preferences.
- Device, access, security, fraud-prevention and service logs.
- Business registration and authorised-representative information for business customers.
Why we use it
We process information to create and manage accounts, verify identity, provide requested financial services, send receipts and security messages, prevent fraud, resolve disputes, improve reliability and comply with applicable legal and regulatory obligations.
Depending on the activity, processing is necessary to perform our agreement with you, comply with law, pursue legitimate security and service interests, or act on your consent.
Who receives information
We share only what is reasonably needed with banking, payment, identity-verification, messaging, hosting and professional-service partners involved in delivering ChatPay. We may also disclose information to regulators, law-enforcement bodies, courts or other authorities where lawfully required.
Partners process information for their own part of the service under applicable terms and safeguards. We do not disclose your PIN to those partners.
Retention and security
We keep records only for operational, legal, regulatory, fraud-prevention and dispute purposes, then securely delete or anonymise them when retention is no longer required. See our Data Retention Notice.
We use access controls, audit records, encryption where appropriate, monitoring and incident-response procedures. No service can promise absolute security, so customers should protect their phones, WhatsApp accounts, PINs and verification codes.
Your choices and rights
Subject to applicable law, you may ask to access, correct, restrict, object to, port or delete personal information, or withdraw consent where consent is the basis used. Some financial and compliance records cannot be deleted immediately.
You may also complain to ChatPay or the relevant Nigerian data-protection authority.
Contact us
Questions, privacy requests and complaints can be sent to hello@chatpayhq.com.
CP Technology Limited (ChatPay), 374 Ikorodu Road, Maryland, Lagos, Nigeria.