Paylow Privacy Policy
Paylow Technologies Ltd. (“Paylow”, “we”, “our”, or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application, website, and related services (collectively, the “Platform”).
1. Information We Collect
We collect the following types of information:
a. Personal Information
Full name
Phone number
Email address
Date of birth
Identification documents (e.g., national ID, BVN)
Address or location
b. Financial and Transaction Data
Bank account details
Wallet activity and balances
Utility bill account numbers
Card information (handled securely through PCI-compliant partners)
c. Usage Data
App log data and session duration
Click patterns and service usage behavior
Device type, IP address, operating system
d. Location Data
We may collect your location to personalize services or comply with regulatory requirements.
2. How We Use Your Information
We use your data to:
Register and manage your Paylow account
Process payments and transactions
Provide customer support and notify you of account activity
Improve platform functionality and user experience
Detect fraud, abuse, and unauthorized access
Comply with legal, regulatory, and compliance obligations
Communicate marketing and promotional offers (if you opt in)
3. Sharing of Information
We may share your data with:
Service providers (e.g., payment processors, banks, utility providers)
Regulatory bodies if required by law
Third-party partners for added services, subject to your consent
Law enforcement authorities where necessary to prevent or investigate crime
We do not sell or rent your personal data to third parties.
4. Data Storage and Security
We implement strong technical and organizational measures to protect your information, including:
Data encryption in transit and at rest
Secure cloud infrastructure and access controls
Multi-factor authentication for account access
Your data is stored in secure environments, and only authorized personnel can access it.
5. Your Rights and Choices
You have the right to:
Access or update your personal information
Request deletion of your account or data (where legally permissible)
Object to certain processing or withdraw consent
Receive a copy of your personal data (data portability)
To exercise these rights, contact us at the details below.
6. Cookies and Tracking Technologies
Our website may use cookies or similar tools to:
Enhance your browsing experience
Analyze traffic and usage patterns
Remember your preferences
You may disable cookies in your browser settings, though some features may be limited.
7. Children’s Privacy
Our services are not intended for children under the age of 18. We do not knowingly collect or solicit data from minors.
8. International Transfers
If you are located outside Nigeria, your data may be transferred to and processed in our primary operating region. We ensure appropriate safeguards for cross-border data transfers as required by law.
9. Policy Updates
We may update this Privacy Policy to reflect changes in law or business operations. We will notify you of material changes via the app or email.
10. Contact Us
If you have questions or concerns about this Privacy Policy or your data, please contact us:
Paylow Technologies Ltd.
Email: support@paylow.ng
Phone: +234 916 000 8360
Address: 4 Muri Okunola Street, Victoria Island, Lagos, Nigeria
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