Privacy policy

This policy applies to everyone who holds a LinkPay account, and to anyone who visits this website without holding one.

It is written to meet the Nigeria Data Protection Act. Where that Act gives you a right, this policy tells you how to use it.

What you give us: your name, date of birth, address, phone number, email, Bank Verification Number and a means of identification — the set a regulated account is required to hold.

What we generate: your transactions, the devices you sign in from, and which parts of the app you use. We do not read your contacts or your photos, and we do not track your location in the background.

To run the account: to move your money, pay your bills, show your balance, and answer you properly when something looks wrong.

To keep it safe: to spot a payment that does not look like you, and to meet the anti-money-laundering checks every regulated account is subject to.

Most of what we do with your information, we do because we must — to perform our contract with you, or to meet an obligation under Nigerian banking and anti-money-laundering rules.

Where we rely on your consent instead, such as marketing email, you can withdraw it at any time and your account is unaffected.

Our partner bank and the payment schemes that move your money; our identity-verification and fraud-prevention providers; and regulators when they are entitled to ask.

Every partner who handles your information is bound by contract to the standards we hold ourselves to. None of them may use it for their own purposes.

This website sets a small number of cookies: one to remember the language you chose, and analytics that tell us which pages people actually read.

You can clear or block them in your browser. Nothing here needs a cookie to work, except remembering your language between visits.

You can ask for a copy of what we hold, ask us to correct it, ask us to delete it, or object to a particular use. Most requests are answered well within 30 days.

Some records we have to keep even if you ask us to delete them — transaction history, for example, is held for the period Nigerian law sets.

Information is encrypted in transit and at rest. Access is limited to the staff who need it for their work, and every access to a customer record is logged.

We keep your account information for as long as you bank with us, and for seven years after you close the account, as the rules require.