Privacy Policy
Last Updated: June 9, 2026
Welcome to Neiop Pay. We value your privacy and are committed to protecting your personal data. This Privacy Policy explains how Neiop Pay Limited ("we," "us," or "our") collects, uses, discloses, and safeguards your information when you visit our website at neioppay.com (the "Site") and use our mobile application or payment services (collectively, the "Services").
Please read this Privacy Policy carefully. By accessing or using our Services, you agree to the collection and use of your information in accordance with this policy.
Table of Contents
1. Scope and Regulatory Compliance
This Privacy Policy is designed to meet strict global and regional regulatory standards, specifically governing users in Nigeria and the United States:
Nigeria
Compliant with the Nigeria Data Protection Act (NDPA) 2023 and overseen by the Nigeria Data Protection Commission (NDPC).
United States
Compliant with the Gramm-Leach-Bliley Act (GLBA) for financial privacy and state-specific laws including the California Consumer Privacy Act (CCPA/CPRA).
2. Information We Collect
We collect several types of information from and about users of our Services, categorized as follows:
A. Information You Provide to Us
- Identity Data: Full name, date of birth, gender, nationality, and government-issued identification numbers (e.g., Nigerian BVN, NIN, or U.S. Social Security Number/ITIN) required for identity verification and Know Your Customer (KYC) compliance.
- Contact Data: Email address, phone number, billing address, and physical mailing address.
- Financial Data: Bank account details, payment card numbers, transaction history, and credit-related information.
- Profile Data: Username, password, security questions, preferences, and feedback.
B. Information Collected Automatically
- Technical Data: Internet Protocol (IP) address, browser type and version, time zone setting, browser plug-in types, operating system, and platform.
- Usage Data: Information about how you navigate and use our Site, products, and Services.
- Geolocation Data: Precise physical location of your device, utilized for fraud prevention and compliance monitoring.
3. How We Use Your Information
We process your personal data under valid legal bases as defined by the NDPA and U.S. federal frameworks. We use your data to:
- Provide ServicesProcess payments, manage accounts, and facilitate money transfers.
- Verify IdentityConduct mandatory KYC, Anti-Money Laundering (AML), and Counter-Terrorist Financing (CTF) screenings.
- Prevent FraudMonitor transaction patterns, detect unauthorized access, and secure our systems.
- Customer SupportRespond to inquiries, troubleshoot bugs, and resolve payment disputes.
- Legal ComplianceComply with applicable financial laws, court orders, and regulatory audit requests.
5. Cross-Border Data Transfers
Neiop Pay operates globally. Information collected from Nigeria may be transferred to, stored, and processed in the United States, Canada, or other international jurisdictions.
NDPA Compliance
We ensure all international transfers adhere to the adequacy requirements or standard contractual clauses approved by the NDPC.
Data Security
Data in transit is protected using advanced Transport Layer Security (TLS) encryption, and data at rest is secured via AES-256 standard encryption.
6. Your Data Protection Rights
Depending on your location, you have specific data protection rights under applicable laws. To exercise any of these rights, please contact us at the email listed in Section 10.
A. Nigerian Jurisdiction Rights (Under NDPA)
If you reside in Nigeria, you have the right to:
- Request access to or copies of your personal data.
- Rectify inaccurate or incomplete information.
- Object to or restrict the processing of your data.
- Request the erasure ("right to be forgotten") of your data, subject to mandatory financial record retention laws.
- Withdraw your consent at any time for data processed based on consent.
B. United States Jurisdiction Rights (Under GLBA & CCPA)
If you are a U.S. resident:
- GLBA Opt-Out: You have the right to opt out of us sharing your non-public personal financial information with non-affiliated third parties for marketing purposes.
- CCPA Rights (California Residents): You have the right to know what personal information we collect, request deletion, and opt out of any potential "sale" or "sharing" of data for cross-contextual behavioral advertising.
7. Data Retention
We retain your personal data only as long as necessary to fulfill the purposes outlined in this policy. Because we operate as a financial service provider, we are legally required by AML/CFT frameworks in both Nigeria and the U.S. to retain core customer identification and transaction records for a minimum period of five (5) to seven (7) years following the closure of your account.
8. Security of Your Data
We implement robust technical, physical, and administrative security measures designed to protect your personal information from unauthorized access, loss, or alteration. These include end-to-end encryption, multi-factor authentication (MFA), network firewalls, and regular security vulnerability assessments.
However, no electronic transmission or storage system is 100% secure; we cannot guarantee absolute security.
9. Changes to This Privacy Policy
We may update our Privacy Policy from time to time to reflect changes in our practices or legal obligations. We will notify you of any material changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically.
10. Contact Us
If you have any questions, concerns, complaints, or wish to exercise your data protection rights, please contact our Data Protection Officer (DPO) at:
9b second powerline, opposite the Gen school Sango
241 Elizabeth Avenue St. John's Province Newfoundland and Labrador