Welcome to Zizapay!
Your privacy and trust are very important to us. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website, mobile app, or any of our services.
By using Zizapay, you agree to this Privacy Policy. If you don’t agree, please stop using our services.

1. Who We Are
Zizapay (“we”, “us”, or “our”) operates as a cross-border payment and digital wallet platform registered in both the United States and Nigeria.
We comply with:

• General Data Protection Regulation (GDPR) – for users in the U.K. and E.U.,
• California Consumer Privacy Act (CCPA) – for users in the U.S., and
• Nigeria Data Protection Regulation (NDPR) – for users in Nigeria and other African countries.

If you have any questions about how we handle your data, you can reach us at: 📧 contact@zizapay.com

2. The Information We Collect
We collect information to help us provide a secure and seamless money transfer experience. This includes:
a. Information You Provide

• Your name, phone number, and email
• Your address and country of residence
• Identification documents (passport, driver’s license, or ID card)
• Financial information (bank account or card details)
• Recipient information (name, bank, country)
• Any messages or feedback you share with our team

b. Information We Collect Automatically
When you use our website or app, we may automatically collect:

• Your device type, browser, and IP address
• App usage patterns (e.g., which features you use)
• Location data, if you allow it
• Cookies and tracking technologies (see Cookie Policy below)

c. Information from Third Parties
We may receive information from:

• Payment partners, banks, and mobile money providers
• Identity verification services for KYC compliance
• Analytics providers to improve performance

3. How We Use Your Information

We use your data to:

• Verify your identity and prevent fraud (KYC/AML checks)
• Process and complete your money transfers
• Communicate with you about your account or transactions
• Improve our website, app, and customer experience
• Send updates, promotions, or new product news (you can opt out anytime)
• Comply with financial and data protection laws

4. Legal Basis for Processing

We process your personal data based on:

• Your consent (when you sign up or approve sharing information)
• Legal obligations (AML/KYC laws, tax, and compliance rules)
• Contractual necessity (to perform money transfers or account services)
• Legitimate interest (to improve our products and prevent fraud)

5. Who We Share Your Information With

We only share your data when necessary, and only with trusted partners who follow strict privacy standards. This includes:

• Payment processors and banking partners to complete transfers
• Identity verification providers for KYC checks
• Regulatory authorities if required by law
• Cloud hosting providers (e.g., AWS, Google Cloud) for secure storage
• We never sell your personal information to anyone.

6. How We Protect Your Information
Your security is our top priority. We use:

• 256-bit SSL encryption for data transmission
• Secure data centers with limited access
• Multi-factor authentication (MFA) for sensitive accounts
• Regular system audits and fraud monitoring tools

If we ever experience a data breach, we’ll notify you and the relevant authorities promptly.

7. Your Privacy Rights
Depending on where you live, you may have the right to:

• Access your personal information we hold
• Request correction or deletion
• Withdraw your consent at any time
• Request a copy of your data
• Object to certain types of data processing

To exercise your rights, email us at contact@zizapay.com.
We’ll respond within 30 days.

8. Data Retention
We keep your data only as long as necessary:

• To comply with financial and legal regulations (usually 5–7 years)
• To resolve disputes and prevent fraud

When your data is no longer needed, we safely delete or anonymize it.

9. International Data Transfers

Because Zizapay operates globally, your data may be processed in countries outside your own (for example, on secure servers in the U.S. or Nigeria).
Whenever we transfer data internationally, we ensure it’s protected using standard contractual clauses (SCCs) and industry security standards.

10. Cookies and Tracking

We use cookies and similar technologies to enhance your experience. See our Cookie Policy below for details.

11. Updates to This Privacy Policy
We may update this Privacy Policy from time to time.
If we make significant changes, we’ll notify you by email or in-app message before they take effect.
Last updated: 10/01/2025

12. Contact Us
📧 contact@zizapay.com
🌍 www.zizapay.com
Thank you for trusting Zizapay to move your money securely and responsibly.