Privacy Policy

How we collect, use, and protect your personal information

Last Updated: May 20, 2026 | Version 2.0
Terms of Service Privacy Policy

Our Commitment to Your Privacy

At FEECENT, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment services. We comply with the Nigeria Data Protection Regulation (NDPR) and international data protection standards.

Data Protection Compliance: FEECENT is registered with the Nigeria Data Protection Commission (NDPC) and adheres to the principles of lawful, fair, and transparent data processing.

Information We Collect

Personal Identification

Full name, date of birth, government-issued ID numbers, BVN, NIN, passport details, and other identification documents.

Contact Information

Email address, phone number, physical address, and emergency contact details.

Financial Information

Bank account details, card information, transaction history, wallet balances, and payment behaviors.

Usage Data

Device information, IP addresses, browser type, geolocation, app usage patterns, and transaction metadata.

Biometric Data

Face images and facial recognition data (collected only with explicit consent for identity verification).

Technical Data

Device fingerprint, operating system, app version, push notification tokens, and crash logs.

Sensitive Data: We collect sensitive personal data (biometric, financial, identification) only when necessary for regulatory compliance and with your explicit consent.

How We Use Your Information

1. Service Delivery

  • Process and complete transactions
  • Verify your identity and prevent fraud
  • Maintain your account and transaction history
  • Provide customer support

2. Legal & Regulatory Compliance

  • Meet Anti-Money Laundering (AML) requirements
  • Comply with Counter-Financing of Terrorism (CFT) regulations
  • Respond to lawful requests from government authorities
  • Investigate and report suspicious activities

3. Security & Fraud Prevention

  • Monitor transactions for unusual patterns
  • Authenticate login attempts
  • Protect against unauthorized access
  • Investigate security incidents

4. Service Improvement

  • Analyze usage patterns to improve our services
  • Develop new features and products
  • Personalize your experience
  • Send service updates and important notices

When We Share Your Information

1. Service Providers

We share data with trusted third parties who assist us in providing our services:

  • Payment Processors: Banks and financial institutions for transaction processing
  • Identity Verification Services: For KYC/AML compliance
  • Cloud Hosting Providers: For secure data storage
  • Customer Support Tools: To manage support tickets
  • Push Notification Services: For app notifications

All service providers are contractually obligated to protect your data and use it only for specified purposes.

2. Legal Requirements

We may disclose your information when:

  • Required by law, court order, or legal process
  • Necessary to protect our rights, property, or safety
  • Responding to requests from law enforcement or regulators
  • Preventing or investigating fraud

3. Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We will notify you before any such transfer.

We Do Not Sell Your Data: FEECENT does not sell, rent, or trade your personal information to third parties for marketing purposes.

Data Security & Retention

1. Security Measures

We implement robust security measures including:

  • Encryption: 256-bit AES encryption for data at rest, TLS 1.3 for data in transit
  • Access Controls: Strict role-based access to sensitive data
  • Monitoring: 24/7 security monitoring and intrusion detection
  • Authentication: Multi-factor authentication for sensitive operations
  • Audit Logs: Comprehensive logging of all data access and modifications
  • Regular Audits: Quarterly security assessments and penetration testing

2. Data Retention Periods

Data Type Retention Period Reason
Transaction History 7 years Regulatory requirement (AML/CFT)
Identification Documents 5 years after account closure KYC compliance
Biometric Data 3 years or until account closure With consent
Usage Analytics 12 months Service improvement
Communication Logs 3 years Customer support

Your Rights Under NDPR

Under the Nigeria Data Protection Regulation (NDPR), you have the following rights:

Right to Access

Request a copy of all personal data we hold about you.

Right to Rectification

Correct inaccurate or incomplete information.

Right to Erasure

Request deletion of your data (subject to legal retention requirements).

Right to Restrict Processing

Limit how we use your data in certain circumstances.

Right to Data Portability

Receive your data in a structured, machine-readable format.

Right to Object

Object to certain types of data processing.

Right to Automated Decision-Making

Challenge decisions made solely by automated means.

Right to Lodge Complaint

Complain to the Nigeria Data Protection Commission.

To exercise your rights: Contact our Data Protection Officer at dpo@feecent.online. We will respond within 30 days.

Cookies & Tracking Technologies

1. Cookies We Use

  • Essential Cookies: Required for authentication and core functionality
  • Preference Cookies: Remember your settings and preferences
  • Analytics Cookies: Help us understand how users interact with our service
  • Security Cookies: Detect and prevent fraud

2. Your Choices

You can control cookies through your browser settings. However, disabling essential cookies may affect functionality.

3. Do Not Track Signals

Our service responds to Do Not Track (DNT) signals from browsers. You can enable DNT in your browser settings.

International Data Transfers

Your information may be transferred to and processed in countries other than Nigeria. When we transfer data internationally, we ensure appropriate safeguards are in place:

  • Standard Contractual Clauses approved by relevant authorities
  • Data transfer agreements with our service providers
  • Processing only in jurisdictions with adequate data protection laws

We do not transfer data to countries without adequate data protection unless we have your explicit consent or legal requirements.

Children's Privacy

FEECENT does not knowingly collect information from individuals under 18 years of age. Our services are intended for adults only. If we learn that we have collected personal information from a minor, we will delete it immediately.

Age Restriction: By using FEECENT, you confirm that you are at least 18 years old.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Material changes will be notified through:

  • Email to your registered address
  • In-app notification
  • Website banner

The "Last Updated" date at the top indicates when changes were made. Continued use of our services after changes constitutes acceptance.

Data Protection Officer

Our Data Protection Officer (DPO) oversees our data protection compliance. You can contact our DPO at:

  • dpo@feecent.online
  • +234 (0) 123 456 7890
  • Data Protection Office, FEECENT, Lagos, Nigeria

Complaints & Regulatory Reporting

If you believe we have violated your data protection rights, you may:

  1. Contact our Data Protection Officer directly
  2. If unsatisfied, lodge a complaint with the Nigeria Data Protection Commission (NDPC):

Contact Us

For privacy-related questions, please contact us:

  • privacy@feecent.online
  • support@feecent.online
  • Lagos, Nigeria