Privacy Policy

👋 Introduction

Welcome to MinatPay, a product of SMD Technologies Limited ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform or mobile application.

By using MinatPay, you agree to the collection and use of information in accordance with this policy. If you disagree with any part, please discontinue use of our services.

📋 Information We Collect

We collect information you provide directly and information generated from your use of our platform:

• Account Information: Full name, phone number, email address, and password when you register.
• Transaction Data: Payment details, transaction history, beneficiary information, and receipts.
• Identity Verification: NIN, BVN, and other regulatory identity data as required by Nigerian law.
• Device & Usage Data: IP address, browser type, OS, device identifiers, and navigation patterns.
• Financial Data: Wallet balance, funding history, and linked payment methods (card numbers are never stored — handled by our PCI-DSS certified payment partners).

🎯 How We Use Your Information

• Process your transactions and deliver the services you request
• Create, manage, and secure your account
• Send transaction confirmations, receipts, and important notifications
• Comply with CBN, NCC, and other Nigerian regulatory obligations
• Detect, prevent, and respond to fraud and unauthorized access
• Improve our platform, fix bugs, and develop new features
• Respond to your support requests promptly
• Send marketing communications (you may opt out at any time)

🤝 Sharing Your Information

We do not sell your personal data. We may share it only in these circumstances:

• Network Operators: MTN, Airtel, Glo, 9mobile — to fulfill data and airtime transactions.
• DISCOs & Cable Providers: AEDC, IKEDC, DSTV, GOtv, etc. — to process bills.
• Payment Processors: Our PCI-DSS certified partners who handle card and wallet funding securely.
• Regulatory Authorities: CBN, EFCC, NFIU, NCC — when required by Nigerian law or court order.
• Cloud & Infrastructure: Hosting and database providers under strict data processing agreements.

🔐 Data Security

We implement robust security measures to protect your data:

• 256-bit SSL/TLS encryption for all data in transit
• AES-256 encryption for sensitive data at rest
• Bcrypt hashing for all passwords — we never store plaintext passwords
• Regular third-party security audits and penetration testing
• Two-factor authentication (2FA) support for all accounts
• Employee access to personal data restricted on a strict need-to-know basis

No electronic storage or transmission method is 100% secure. We encourage you to use strong, unique passwords and enable 2FA on your account.

⚙️ Your Rights

You have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your account and associated data
• Portability: Request a machine-readable copy of your data
• Opt-Out: Unsubscribe from marketing communications at any time

To exercise any right, email us at privacy@minatpay.com

🍪 Cookies & Tracking

We use cookies and similar technologies to improve your experience:

• Essential cookies: Required for core platform functionality
• Analytics cookies: Help us understand platform usage (anonymised)
• Preference cookies: Remember your settings across sessions

You can control cookies via your browser settings. Disabling essential cookies may affect platform functionality.

📅 Data Retention

We retain your personal data as long as your account is active or as required to provide our services. Transaction records are retained for a minimum of 7 years as required by Nigerian financial regulations (CBN AML/CFT guidelines). You may request account deletion at any time, subject to these legal retention obligations.

🔄 Changes to This Policy

We may update this policy periodically. We will notify you of significant changes via email or a prominent in-app notice at least 30 days before changes take effect. Continued use after changes constitutes acceptance of the updated policy.

📬 Contact Us

For privacy-related questions or requests, contact us:

• Email: privacy@minatpay.com
• Via our Contact Page

MinatPay is a product of SMD Technologies Limited, registered under the Federal Government of Nigeria.