Privacy Policy

Your privacy is important to us. This policy explains how we collect, use, and protect your information.

Last updated: January 2026

Introduction

OemalPay ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment platform, mobile applications, and related services.

By using OemalPay services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

Personal Information

  • Full name and contact information (email, phone number, address)
  • Date of birth and government-issued identification
  • Bank account and payment card details
  • BVN (Bank Verification Number) for identity verification
  • Profile photos and KYC documentation

Transaction Information

  • Payment history and transaction records
  • Beneficiary details for transfers
  • Bill payment information
  • Services purchased (airtime, data, utilities)

Technical Information

  • Device information and identifiers
  • IP address and location data
  • Browser type and operating system
  • Usage patterns and app analytics

How We Use Your Information

We use the information we collect to:

  • Process payments and transactions securely
  • Verify your identity and prevent fraud
  • Provide customer support and respond to inquiries
  • Send transaction notifications and account updates
  • Improve our services and develop new features
  • Comply with legal and regulatory requirements
  • Protect the security of our platform and users
  • Send promotional offers (with your consent)

Data Security

We implement industry-standard security measures to protect your data:

  • 256-bit SSL/TLS encryption for all data transmission
  • PCI-DSS compliant payment processing
  • Multi-factor authentication (MFA) for account access
  • Regular security audits and penetration testing
  • Encrypted data storage with access controls
  • 24/7 fraud monitoring and detection systems

While we strive to protect your information, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

Data Sharing and Disclosure

We may share your information with:

  • Payment Partners: Banks, card networks, and payment processors to complete transactions
  • Service Providers: Third parties that help us operate our platform (hosting, analytics, customer support)
  • Regulatory Bodies: Government agencies and regulators as required by law
  • Business Partners: With your consent, for promotional offers and services

We do NOT sell your personal information to third parties for marketing purposes.

Your Rights

You have the right to:

  • Access and receive a copy of your personal data
  • Correct inaccurate or incomplete information
  • Request deletion of your data (subject to legal requirements)
  • Opt-out of marketing communications
  • Withdraw consent for data processing
  • Lodge a complaint with regulatory authorities

To exercise these rights, please contact us at privacy@oemalpay.com

Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

Email: privacy@oemalpay.com

Phone: +234 800 123 4567

Address: OemalPay Limited, Victoria Island, Lagos, Nigeria