Privacy Policy

1. Information we collect

We may collect the following types of information:

• Account information — phone number, email address, name, and verification details when you register.
• Transaction data — payment amounts, service type (electricity, airtime, flights, betting, cable TV, etc.), meter or account numbers, and transaction status.
• Device and usage data — app version, device type, operating system, IP address, and how you interact with our services.
• Support communications — messages you send to our customer support team.

2. How we use your information

We use your information to:

• Create and manage your account
• Process payments and deliver tokens, receipts, or confirmations
• Operate our rewards and points programme
• Prevent fraud, abuse, and unauthorized access
• Provide customer support and respond to your requests
• Improve our products, security, and user experience
• Comply with legal and regulatory obligations in Nigeria

3. Payment processing

Ahzarman does not hold your funds. Payments are made directly from your bank account or card to the relevant biller or service provider. We do not store full card or bank account credentials on our servers. Payment processing may involve regulated third-party partners who handle data according to their own security standards and applicable law.

4. How we share information

We may share your information only when necessary:

• With billers, telcos, airlines, and other service providers to complete your transaction
• With payment processors and banking partners to facilitate payments
• With service providers who help us operate the platform (hosting, analytics, customer support)
• When required by law, regulation, court order, or government request
• To protect the rights, safety, and security of Ahzarman, our users, and the public

We do not sell your personal information to third parties.

5. Data retention

We retain your information for as long as your account is active and as needed to provide our services, resolve disputes, enforce agreements, and meet legal requirements. Transaction records may be kept for the period required by applicable financial and regulatory rules.

6. Security

We use industry-standard safeguards, including encryption and access controls, to protect your data. No method of transmission or storage is completely secure, but we work continuously to reduce risk and monitor for unauthorized activity.

7. Your rights

Under the Nigeria Data Protection Act (NDPA) and related regulations, you may have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate information
• Request deletion of your account and associated data
• Withdraw consent where processing is based on consent
• Object to or restrict certain processing activities

To exercise these rights, contact us using the details below or submit an account deletion request.

8. Cookies and similar technologies

Our website may use cookies and similar technologies to remember preferences, understand usage, and improve performance. You can control cookies through your browser settings. Some features may not function properly if cookies are disabled.

9. Children's privacy

Ahzarman is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us so we can take appropriate action.

10. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. Material changes may also be communicated through the app or by email where appropriate.

11. Contact us

If you have questions about this Privacy Policy or how we handle your data, contact us at:

• Email: privacy@ahzarman.com
• Location: Nigeria