Introduction

PaySphere (“we”, “our”, “us”) provides digital wallet and payment services, including identity verification and transaction processing through trusted financial infrastructure providers.

Information We Collect

Personal Information

• Full name
• Email address
• Phone number
• Date of birth

Identity Verification Data

• Government-issued ID
• BVN / NIN (where applicable)
• Selfie verification
• Proof of address

Financial Data

• Transaction history
• Wallet activity
• Payment records

Technical Data

• IP address
• Device type
• Browser information
• Login activity

How We Use Your Data

We use your data to:

• Provide wallet and payment services
• Verify identity (KYC)
• Prevent fraud and abuse
• Comply with financial regulations
• Improve platform performance

Data Sharing

We may share data with:

• Payment infrastructure providers (e.g. Flutterwave)
• Identity verification partners
• Regulatory authorities (when required by law)

Data Security

We use encryption, secure authentication and access controls to protect your data.

Data Retention

We retain data while your account is active and for regulatory periods after closure (typically 5–7 years).

Your Rights

You may:

• Access your data
• Request corrections
• Request deletion (subject to legal requirements)
• Withdraw consent where applicable

Advertising, Analytics & Identifiers

We and our third-party partners use cookies, pixels, local storage, and device advertising identifiers such as Google’s Advertising ID and Apple’s IDFA to deliver personalized ads, measure ad performance, and analyze site/app usage. These identifiers do not directly identify you and can be reset or disabled in your device or browser settings at any time.

We share these identifiers and related usage data only with trusted advertising and analytics partners, including Google Ads and Meta Pixel. Partners are contractually required to use the data solely for the purposes we specify and in accordance with applicable privacy laws.

Your Choices & Consent

Where required by law, we will request your consent before using non-essential cookies and advertising identifiers. You can withdraw consent or opt out at any time by:

• Adjusting your browser or device advertising settings
• Google Ads Settings: https://adssettings.google.com
• Meta Ad Preferences: https://www.facebook.com/adpreferences
• Industry opt-out: https://optout.aboutads.info

For our PWA and future mobile app, identifiers stored in local storage or on-device may persist offline until cleared by you.

Company Information

Sphere Digital Solution Ltd is the legal entity operating PaySphere.

Contact

📧 support@paysphere.com