Legal
Privacy Policy
This Privacy Policy explains how Enkwave Technologies (“we”, “us”, “our”) collects, uses, stores, and protects personal information when you use the ENKPAY mobile application, related APIs, and agency banking services accessed through our platform (including the Enkpay Super Agent management portal at this website).
By creating an account or using our services, you agree to the practices described in this policy. If you do not agree, please do not use the app or services.
1. Information we collect
Depending on how you use ENKPAY, we may collect the following categories of data:
- Account & identity: name, phone number, email address, date of birth, gender, occupation, profile photo, and account credentials (PIN/password are stored in encrypted form).
- KYC & compliance: Bank Verification Number (BVN), National Identification Number (NIN) or other ID type, ID images, utility bills, and verification status required by regulators and partner banks.
- Financial & transaction data: wallet balances, bank account details for transfers and settlements, transaction amounts, references, beneficiaries, narration, fees, commissions, dispute records, and receipts.
- Device & technical data: device model, operating system, app version, IP address, device identifiers, push notification tokens (e.g. Firebase Cloud Messaging), and logs used for fraud prevention and support.
- Location data: approximate or precise location when you grant permission, used for security, geofencing of POS terminals, and regulatory requirements where applicable.
- Contacts (optional): if you grant permission, contact information may be used to simplify transfers or airtime top-ups. We do not sell your contact list.
- Biometric data: if you enable fingerprint or face unlock, biometric authentication is handled by your device’s secure enclave; we do not store raw biometric templates on our servers.
- Support communications: messages you send to customer support, dispute threads, and feedback.
2. How we use your information
We use personal data to:
- Provide agency banking, transfers, bill payments, airtime/data, POS, and wallet services;
- Verify your identity, prevent fraud, and comply with applicable laws (including CBN and AML requirements);
- Process transactions with banks, payment switches, and value-added service providers;
- Send transaction alerts, OTPs, security notices, and push notifications;
- Calculate fees, commissions, and bonuses;
- Operate the Super Agent portal for organizations and agents you are registered under;
- Improve app performance, troubleshoot errors, and develop new features;
- Respond to disputes, chargebacks, and lawful requests from authorities.
3. Legal basis & sharing
We process data where necessary to perform our contract with you, comply with legal obligations, protect legitimate interests (such as fraud prevention), or with your consent (for example optional permissions).
We may share information with:
- Licensed banks, payment processors, and switching partners to execute transactions;
- Bill payment, airtime, and utility aggregators (e.g. VTpass and similar providers);
- Cloud hosting, analytics, and messaging providers (including Google Firebase for push notifications);
- Your registered organization, super agent, or employer in the agency banking network, for operational and settlement purposes;
- Regulators, courts, or law enforcement when required by law;
- Professional advisers bound by confidentiality obligations.
We do not sell your personal information to third-party advertisers.
4. Data retention
We retain personal data for as long as your account is active and as required to complete transactions, resolve disputes, meet accounting and regulatory retention periods, and defend legal claims. When data is no longer needed, we delete or anonymize it in line with our retention schedule.
5. Security
We implement administrative, technical, and organizational measures including encryption in transit (HTTPS/TLS), access controls, and monitoring. No method of transmission or storage is 100% secure; you are responsible for keeping your PIN and device secure.
6. Your rights & choices
Subject to applicable law (including the Nigeria Data Protection Act), you may have the right to:
- Access and obtain a copy of your personal data;
- Correct inaccurate information through the app or by contacting us;
- Request deletion or restriction of processing where legally permitted;
- Withdraw consent for optional processing (such as marketing or contacts);
- Disable location, contacts, or notification permissions in your device settings.
To exercise these rights, email info@enkwave.com. We may need to verify your identity before fulfilling requests.
7. International transfers
Your data is primarily processed in Nigeria. If we transfer data to service providers in other countries, we ensure appropriate safeguards are in place as required by law.
8. Children
ENKPAY is not intended for users under 18. We do not knowingly collect data from children. If you believe a minor has provided personal data, contact us and we will delete it.
9. Third-party links
The app or portal may link to third-party websites or services. Their privacy practices are governed by their own policies, not this one.
10. Changes to this policy
We may update this Privacy Policy from time to time. We will post the revised version on this page with an updated effective date. Continued use of the services after changes constitutes acceptance where permitted by law.
11. Contact us
For privacy questions, data requests, or complaints:
- Email: info@enkwave.com
- Website: https://enkwave.com
- Company: Enkwave Technologies