We’re CEPAY and operate under the name CEPAY. We’re a product of Qubators Technologies Limited registered with the Corporate Affairs Commission. This policy describes what information we collect about you, how we collect and use the information you share with us, and with whom we share that information. You don’t have to share any information with us, but to use our services, we’ll need some information from you. This policy also contains information about when we share your personal information with third parties (such as our service providers and credit bureaus).

At CePay Fintech, we're incredibly dedicated to regarding and ensuring your data. In the event that you have any stresses or reservations over your own data, kindly contact our Data Protection Officer by: dpo@mail.cepay.me

What Information Do We Collect?

Information You Give Us on CEPAY Applications

We collect and use any information you supply when you interact with any of our touch points. When you open an account with us, you share details like your names, Bank Verification Number (BVN), identification documents, address, and pictures. By using our card or any CEPAY Application to transact, you also share details of your transactions with us. Additional details we collect and what we do with them include:

• Your profile picture.
• We collect a video of your face during a liveness check done to confirm that you're the one opening or upgrading your CEPAY account. We share this video with a third-party service provider to facilitate our liveness check.
• Information you give us through the in-app chat so we can help you.

True Depth API Usage

We use the True Depth API within the camera module to record a video of the user for a liveness check during our Know Your Customer (KYC) process. This process is required to meet account opening regulations.

Information You Give Us When You Contact Us Through Other Channels

• The phone number you’re calling from and information you give us during the call.
• The email address you use and the contents of your email (and any attachments) sent to us.
• Public details from your social media profile (like Facebook, Instagram, or Twitter) if you reach out to us via these platforms, and the contents of your messages or posts to us.

How Do We Use Your Information?

• Give you the services we agreed to in line with our terms and conditions.
• Send you messages about your account and other services you use if you get in touch, or we need to tell you about something.
• Investigate and resolve complaints and other issues.

Who Do We Share Your Information With?

In some instances, we will share the information provided with some third parties that we do business with, like card producers and credit bureaus, or with law enforcement agencies when required.

How Long Do We Keep Your Data?

We keep your information as long as you are a CEPAY customer and for any additional period as required under applicable law or regulations.

What Are Your Rights?

You have the right to access and request the information that we have on you in our records. You may also ask us to delete your information on our record, restrict the way in which we use your personal information, or update the personal information we hold about you.

How to Make a Complaint

• Sending a message via the app
• Emailing us at dpo@mail.cepay.me
• Writing to us at 35 Olutoye Cresent, Adeniyi Jones, Ikeja, Lagos, NG

Changes to This Document

This document will be reviewed on a yearly basis, or more frequently if occasioned by changes or amendment to applicable data protection regulations. If we make any changes, we’ll add a note to this page and if there are significant changes we’ll let you know by email.

This policy was last updated on February 26, 2023.