Privacy Policy
Effective Date: August 28, 2025
Your privacy is very important to us. This Privacy Policy describes how KPIE GLOBAL LIMITED and KPIE TRADES AND SERVICES (collectively, "the Companies," "we," "us," or "our") collect, use, process, and protect your personal data when you use the ZERTH Pay mobile application, web application, and related services (the "Service").
By using our Service, you agree to the collection and use of your personal data in accordance with this policy. We are committed to protecting your data in full compliance with the Nigeria Data Protection Act (NDPA) and all other applicable Nigerian laws and regulations.
1. Definitions
Personal Data: Any information relating to an identified or identifiable natural person ("Data Subject").
Processing: Any operation or set of operations performed on Personal Data, whether or not by automated means.
Data Subject: The individual to whom the Personal Data relates (you, the User).
Data Controller: The entity that determines the purposes and means of processing Personal Data. In this case, it is KPIE GLOBAL LIMITED and KPIE TRADES AND SERVICES.
2. Information We Collect
We collect various types of information to provide and improve our Service.
Information You Provide to Us:
Identity Data: Your full name, date of birth, gender, and photograph.
Contact Data: Your email address, phone number, and physical address.
Financial & KYC Data: Your Bank Verification Number (BVN), National Identification Number (NIN) or other government-issued ID, bank account details, and transaction history.
Account Data: Your username, password, and security questions.
Information We Collect Automatically:
Usage Data: Information about how you use the Service, such as your IP address, browser type, device type, operating system, and a record of the pages you visit on our web application or features you use on our mobile app.
Transaction Data: Details of the transactions you conduct through the Service, including the amount, date, time, and parties involved.
3. How We Use Your Personal Data
We use your personal data for the following lawful purposes:
To Provide and Manage the Service: To create and manage your Account, process your bill payments and other transactions, and provide customer support.
For Regulatory Compliance: To comply with legal and regulatory obligations, including Know-Your-Customer (KYC) and Anti-Money Laundering (AML) checks required by Nigerian financial regulators.
To Improve Our Service: To analyze usage patterns, troubleshoot technical issues, and improve the functionality and user experience of ZERTH Pay.
For Security and Fraud Prevention: To protect your Account and the Service from fraudulent and unauthorized activities.
To Communicate with You: To send you transaction confirmations, service updates, security alerts, and promotional information (with your consent).
4. Legal Basis for Processing Personal Data
We will only process your Personal Data when we have a legal basis to do so, as stipulated by the NDPA. Our legal bases include:
Consent: You have given us explicit consent to process your Personal Data for specific purposes.
Contractual Obligation: Processing is necessary for the performance of a contract with you or to take steps at your request before entering into a contract.
Legal Obligation: Processing is necessary to comply with a legal or regulatory obligation.
Legitimate Interests: Processing is necessary for our legitimate interests or those of a third party, provided your fundamental rights do not override those interests.
5. How We Share Your Personal Data
We may share your Personal Data with the following categories of recipients:
Third-Party Service Providers: We may share your data with trusted partners who perform services on our behalf, such as payment processors, cloud hosting providers, and fraud detection services. These providers are obligated to protect your data and use it only for the purposes we specify.
Merchants and Billers: When you make a payment, we will share the necessary transaction details with the relevant merchant or biller to facilitate the transaction.
Regulatory and Law Enforcement Bodies: We may disclose your data if required by law or in good faith belief that such action is necessary to comply with legal processes, protect our rights or property, or ensure the safety of our users.
6. Data Retention
We will retain your Personal Data for as long as necessary to fulfill the purposes for which it was collected, including for the purpose of satisfying any legal, accounting, or reporting requirements. In the absence of a specific legal requirement, we will retain your data for:
Six (6) years after the last transaction in a contractual agreement.
Three (3) years after the last active use of a digital platform by a Data Subject.
7. Your Data Protection Rights
Under the NDPA, you have the following rights regarding your Personal Data:
The Right to Be Informed: You have the right to be informed about how your data is being collected and used. This policy serves that purpose.
The Right of Access: You can request a copy of the Personal Data we hold about you.
The Right to Rectification: You have the right to request that we correct any inaccurate or incomplete data we have about you.
The Right to Erasure ("Right to be Forgotten"): You can request that we delete your Personal Data under certain circumstances, such as when the data is no longer necessary for the purpose for which it was collected.
The Right to Restrict Processing: You can request that we limit the way we use your Personal Data.
The Right to Data Portability: You have the right to receive your Personal Data in a structured, commonly used, and machine-readable format and to transfer that data to another controller.
The Right to Object: You have the right to object to the processing of your Personal Data in certain situations.
To exercise any of these rights, please contact us at the email address provided in Section 9.
8. Data Security
We have implemented robust technical and organizational measures to protect your Personal Data against unauthorized access, alteration, disclosure, or destruction. We use encryption, firewalls, and secure data storage practices. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
9. Contact Us
If you have any questions or concerns about this Privacy Policy or our data protection practices, please contact us at:
Email: support@zerth.online
