Privacy Policy

1. Introduction

Debus Technologies Limited is committed to protecting your personal information and maintaining transparency regarding how your data is handled.

This Privacy Policy applies to all users of DebusPay services including:

• Wallet services
• Bill payment services
• Virtual dollar cards
• AI-powered financial tools
• Mobile and web applications
• Customer support services
• Marketing and communication channels

By using DebusPay, you agree to the collection and use of your information in accordance with this Privacy Policy.

2. Information We Collect

We may collect the following categories of information:

2.1 Personal Information

• Full name
• Email address
• Phone number
• Date of birth
• Residential address
• Government-issued identification
• Passport photograph
• Nationality information

2.2 Financial Information

• Bank account details
• Transaction history
• Wallet balances
• Payment records
• Virtual card activity
• Funding sources

2.3 KYC & Verification Data

• BVN (Bank Verification Number)
• NIN verification data
• Identity verification records
• Compliance screening results

2.4 Technical Information

• IP address
• Browser information
• Device identifiers
• Operating system
• Application usage logs
• Location information
• Cookies and analytics data

3. How We Use Your Information

Your information may be used for the following purposes:

• Creating and managing your account
• Processing transactions and bill payments
• Issuing and managing virtual cards
• Identity verification and fraud prevention
• Compliance with regulatory obligations
• Improving our products and services
• Providing customer support
• Sending transaction notifications
• Providing AI-powered financial insights
• Monitoring suspicious or illegal activities
• Personalizing your platform experience
• Marketing and promotional communications

4. AI-Powered Financial Insights

DebusPay may analyze transaction history, spending patterns, wallet activities, and user interactions to provide AI-powered financial recommendations and insights.

These features are designed to help users:

• Track expenses
• Monitor budgets
• Receive smart spending alerts
• Understand financial habits
• Improve financial planning

AI-generated insights are informational only and should not be considered professional financial advice.

5. Legal Basis for Processing

We process personal data based on:

• User consent
• Contractual necessity
• Compliance with legal obligations
• Legitimate business interests
• Fraud prevention and security purposes

6. Sharing of Information

We may share your information with trusted third parties where necessary, including:

• Payment processors
• Banking partners
• Identity verification providers
• Cloud infrastructure providers
• Fraud prevention services
• Regulatory authorities
• Law enforcement agencies where legally required

We do not sell your personal information to third parties.

7. Data Protection & Security

We implement administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, misuse, disclosure, or loss.

Security measures may include:

• Encryption technologies
• Secure authentication systems
• Access control mechanisms
• Fraud monitoring systems
• Secure cloud infrastructure
• Periodic security reviews

While we take reasonable steps to secure your information, no electronic transmission or storage system can be guaranteed to be completely secure.

8. Cookies & Tracking Technologies

DebusPay may use cookies, analytics tools, and similar technologies to improve platform performance and user experience.

These technologies may help us:

• Remember user preferences
• Analyze traffic and usage
• Improve system functionality
• Enhance security monitoring
• Personalize content and recommendations

You may disable cookies through your browser settings, although some platform features may not function properly.

9. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including legal, accounting, compliance, fraud prevention, and operational requirements.

Certain financial and transaction records may be retained in accordance with applicable Nigerian laws and regulatory obligations.

10. Your Rights

Subject to applicable laws, you may have the right to:

• Access your personal information
• Request correction of inaccurate information
• Request deletion of certain data
• Withdraw consent where applicable
• Object to certain processing activities
• Request restriction of processing
• Request data portability

Requests may be subject to verification and applicable legal limitations.

11. Marketing Communications

We may send promotional messages, product updates, service announcements, or marketing communications.

You may opt out of non-essential marketing communications at any time through available unsubscribe options or by contacting us directly.

12. Children's Privacy

DebusPay services are not intended for individuals under the age of 18 without appropriate parental or legal guardian consent.

We do not knowingly collect personal information from minors in violation of applicable laws.

13. Third-Party Services

Our platform may contain links or integrations with third-party services, websites, payment providers, or external applications.

We are not responsible for the privacy practices or content of third-party platforms.

14. Regulatory Compliance

DebusPay aims to comply with applicable Nigerian laws and regulations relating to privacy, financial services, fraud prevention, and data protection, including:

• Nigeria Data Protection Act (NDPA)
• Nigeria Data Protection Regulation (NDPR)
• Anti-Money Laundering (AML) regulations
• Know Your Customer (KYC) requirements
• Applicable Central Bank of Nigeria guidelines

15. International Data Transfers

Some data may be processed or stored outside Nigeria through trusted infrastructure or service providers.

Where applicable, we take reasonable steps to ensure appropriate safeguards are implemented for international data transfers.

16. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, technologies, legal obligations, or business operations.

Updated versions will be posted on this page with a revised “Last Updated” date.

17. Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or your personal information, please contact us: