Risk Disclosure Policy

At ZERTH PAY, we believe in transparency and want our users to make informed decisions when using our financial services.

1. Financial Risk

ZERTH PAY provides access to digital payment and financial services. As with all financial activities, there are inherent risks, including but not limited to service disruptions, fund delays, transaction reversals, or unauthorized activity.

2. Technology Risk

We operate on digital infrastructure. Users may experience temporary service unavailability due to system maintenance, third-party service disruptions, or cybersecurity threats.

3. Regulatory Risk

Changes in government policies, CBN directives, or applicable laws may impact the availability or terms of certain services.

4. Fraud Risk

While ZERTH PAY implements robust anti-fraud measures, users are advised to protect their personal information and avoid suspicious links or requests.

5. User Responsibility

Users are responsible for understanding how the platform works, reading all terms, and protecting their account credentials. ZERTH PAY is not liable for losses due to negligence or third-party compromise.

6. Contact

For more information or to report suspicious activity, reach out to:
Email: support@zerthpay.com

Data Retention Policy

ZERTH PAY collects and retains user data to support regulatory compliance, improve service delivery, and ensure security — while respecting your right to privacy.

1. Purpose of Retention

We retain user data to:

• Comply with regulatory obligations under NDPR, CBN Guidelines, and KYC/AML laws
• Enable customer support and dispute resolution
• Prevent fraud and abuse

2. Retention Duration

We retain user data for a minimum of five (5) years from the date of the last transaction or account activity, as mandated by Nigerian financial laws.

3. Data Types Covered

This includes, but is not limited to:

• Personal identification data (e.g., NIN, BVN)
• Transaction history
• Communications with customer support

4. Secure Storage

All user data is securely stored in encrypted databases with limited internal access. We adopt industry-standard security protocols to prevent unauthorized access or breaches.

5. User Rights

In compliance with NDPR, users may request access to their stored data, ask for corrections, or request deletion — subject to legal and regulatory retention requirements.

6. Contact

To request data access or deletion, please email:
privacy@zerthpay.com

Last updated: April 15, 2025