Last Updated: September 26, 2025
Pidobanc Technologies Ltd. ("Pidobanc", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ("App"), website, and related services (collectively, the "Services").
Please read this Privacy Policy carefully. By using our Services, you agree to the collection and use of information in accordance with this policy. This Privacy Policy is incorporated into our Terms and Conditions.
We may collect the following types of information:
Personal Identification Information: Your full name, date of birth, gender, address, phone number, email address, nationality, and a government-issued identification number (e.g., National Identity Number (NIN), passport number, driver's license). We also collect your Bank Verification Number (BVN) for identity verification as required by Nigerian financial regulations.
Financial Information: Bank account details, virtual card details, transaction history, and information related to your financial activities on the Pidobanc platform.
Transaction Information: Details about payments to and from you, including the recipient's name and account details, transaction amount, date, and currency.
Technical Information: IP address, device type, operating system, browser type, login data, and other technology on the devices you use to access our Services.
Usage Information: Information about how you use our App, website, and Services.
Communications: Information you provide when you contact our customer support team or respond to surveys.
We use the information we collect for various purposes, including to:
Provide and Manage Services: To create and manage your account, process transactions, and provide you with our services.
Verify Your Identity (KYC/AML): To comply with our legal and regulatory obligations, including Know Your Customer (KYC), Anti-Money Laundering (AML), and Counter-Terrorist Financing (CTF) requirements.
Improve Our Services: To analyze usage patterns, troubleshoot issues, and enhance the user experience.
Ensure Security: To prevent fraud, protect the security of our platform, and investigate suspicious activities.
Communicate With You: To send you service updates, security alerts, and administrative messages.
Provide Customer Support: To respond to your comments, questions, and requests.
Marketing: To send you promotional materials about new products and special offers, from which you can opt-out at any time.
We do not sell your personal data. We may share your information with the following parties:
Financial Partners: With licensed banks and financial institutions that we partner with to provide our Services (e.g., to process payments and hold funds).
Service Providers: With third-party vendors who perform services on our behalf, such as identity verification, fraud prevention, cloud hosting, and data analytics.
Legal and Regulatory Authorities: If required by law, regulation, or a valid legal process, such as a court order or subpoena.
For Fraud Prevention: To protect the rights, property, and safety of Pidobanc, our users, or others. This includes exchanging information with other companies for the purposes of fraud protection and credit risk reduction.
We implement a variety of security measures to maintain the safety of your personal information. These measures include encryption, firewalls, and secure socket layer (SSL) technology. While we strive to use commercially acceptable means to protect your data, no method of transmission over the Internet or method of electronic storage is 100% secure.
We will retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy and to comply with our legal obligations (e.g., AML regulations require us to hold certain transaction data for a minimum period).
In accordance with the Nigeria Data Protection Regulation (NDPR) and other applicable laws, you have the right to:
Request access to the personal data we hold about you.
Request correction of any inaccurate or incomplete data.
Request erasure of your personal data, subject to our legal and regulatory obligations.
Object to the processing of your personal data.
Request the transfer of your personal data to another party.
To exercise any of these rights, please contact us at [privacy@pidobanc.com].
Your information may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ. We will ensure that any such transfers comply with applicable data protection laws and that your data is treated securely.
Our Services are not intended for use by individuals under the age of 18. We do not knowingly collect personally identifiable information from children under 18.
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.
If you have any questions or concerns about this Privacy Policy or our data practices, please contact our Data Protection Officer at:
Email: [privacy@pidobanc.com]