Valu-Pay – Privacy Policy
Effective Date: July 2025
At Valu-Pay, your privacy matters to us. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our mobile app, website, and services. By using Valu-Pay, you consent to the practices described here.
We may collect the following types of information:
Full name
Phone number
E-Mail address
Residential or billing address
Bank account or payment card details (only for transactions)
BVN or government-issued ID (for identity verification, where applicable)
Device type and operating system
IP address and browser type
Pages visited and interaction history
Transaction history and service usage patterns
We use your information to:
Process payments and deliver services (e.g., electricity, airtime, bills)
Personalize your experience on Valu-Pay
Communicate with you (e.g., confirmations, promotions, service updates)
Enhance security and prevent fraud
Analyze trends to improve app performance and user experience
Comply with legal or regulatory requirements
We do not sell your personal information. We may share your data with:
Service providers and partners (e.g., telecoms, utility companies) strictly to fulfil your transactions
Payment processors for secure transaction handling
Regulatory authorities when required by law or for fraud investigations
Analytics tools (e.g., Google Analytics) to improve our services
All third parties are required to protect your data and use it only for permitted purposes.
You have the right to:
Access the personal data we hold about you
Correct inaccurate or outdated information
Request deletion of your data (subject to legal and transactional constraints)
Opt out of non-essential communications at any time
To make such requests, contact us at Info@valu-pay.com
We implement industry-standard encryption, secure servers, and access controls to protect your data. While no system is 100% secure, we will work diligently to safeguard your information from unauthorised access, misuse, or disclosure.
We may use cookies and similar technologies for the following purposes:
Remember your preferences
Measure user behaviour and app performance
Deliver targeted content or promotions
You can disable cookies via your browser settings, but some features may not function properly.
Valu-Pay is not intended for users under 18. We do not knowingly collect personal information from minors.
We may update this Privacy Policy from time to time. When we do, we’ll revise the “Effective Date” at the top and notify you via the app or E-Mail if major changes occur.
If you have questions or concerns about this Privacy Policy or your personal data, contact us:
📧 privacy@valu-pay.com
📞 +2348172975159
