Privacy Policy

2.1 Personal Information

• Full name
• Email address
• Mobile phone number
• Residential address (where applicable)
• Date of birth (where applicable)
• Nationality and country of residence
• Government-issued identification information

2.2 Account Information

• Username
• Login credentials
• Authentication and verification information
• Device and security information

2.3 KYC Verification Data

To comply with applicable regulatory and anti-fraud requirements, we may collect:

• South African ID documents
• Nigerian identification documents
• Passport or other government-issued identification
• Selfie or facial verification images
• Proof of address
• Any supporting documents required for Know Your Customer (KYC) verification

2.4 Bank Account Information

When you use our fiat exchange services, we may collect:

• Bank account holder name
• Bank name
• Account number
• Branch code
• Payment confirmation information
• Transaction references

2.5 Cryptocurrency and Fiat Transaction Data

We collect information relating to transactions conducted through ZaniPay, including:

• Cryptocurrency type
• Wallet addresses
• Network information
• Transaction hashes
• Fiat currencies exchanged
• Exchange amounts
• Exchange rates
• Payment status
• Order history
• Transaction timestamps

2.6 Electricity Purchase Information

When purchasing electricity tokens, we may collect:

• Meter number
• Electricity provider information
• Purchase amount
• Token delivery information
• Transaction records

2.7 Technical and Usage Information

We automatically collect certain technical information, including:

• IP address
• Browser type
• Device type
• Operating system
• Mobile device identifiers
• App version
• Pages visited
• Time spent on pages
• Error logs and diagnostic information

• Create and manage your account
• Verify your identity
• Process fiat and cryptocurrency transactions
• Deliver electricity tokens
• Prevent fraud, money laundering, and unauthorized activity
• Comply with legal and regulatory obligations
• Provide customer support
• Send transaction notifications and service communications
• Improve our products and services
• Monitor platform performance and security
• Conduct analytics and operational reporting

• Remember user preferences
• Maintain secure sessions
• Analyze platform usage
• Improve website and app performance
• Measure traffic and user engagement

We may use analytics services that collect aggregated usage information to help us understand how users interact with our Services.

• Supabase (authentication, database, and backend infrastructure)
• Payment providers and banking partners
• Cryptocurrency service providers
• Email and notification services
• Cloud hosting providers
• Analytics and monitoring services
• Identity verification and KYC service providers

These service providers may process personal information only for the purposes of providing services to ZaniPay and are required to protect your information appropriately.

• Unauthorized access
• Loss
• Theft
• Misuse
• Alteration
• Disclosure
• Destruction

These measures may include encryption, secure authentication, access controls, monitoring systems, and restricted employee access to sensitive information. While we take reasonable steps to protect your information, no method of transmission over the internet or electronic storage is completely secure.

• Provide our Services
• Complete transactions
• Maintain account records
• Resolve disputes
• Prevent fraud
• Comply with legal, tax, financial, and regulatory obligations

KYC and transaction records may be retained for extended periods where required by applicable law or regulatory requirements.

• Payment processors
• Banking institutions
• Cryptocurrency partners
• Identity verification providers
• Regulatory authorities
• Law enforcement agencies
• Professional advisors
• Service providers acting on our behalf

We may disclose information where required by law, court order, regulatory request, or to protect the rights, safety, or security of ZaniPay, our users, or the public.

• Access your personal information
• Correct inaccurate information
• Update incomplete information
• Request deletion of certain personal information
• Object to certain processing activities
• Withdraw consent where processing is based on consent
• Request a copy of your personal information
• Lodge a complaint with a relevant data protection authority

We may retain certain information where required by law or for legitimate business purposes.

• Lawful processing
• Transparency
• Access
• Correction
• Objection
• Deletion (where applicable)
• Security safeguards

Our processing activities are based on one or more lawful grounds, including contractual necessity, legal obligations, legitimate interests, and user consent where applicable.