1. Introduction

Welcome to PayQwicker, a mobile and web-based financial services platform operated by Quikito Ltd (“we”, “us”, or “our”). We are committed to protecting your privacy and handling your personal and financial information with the highest level of care.

• Company: Quikito Ltd
• Registered: Lagos, Nigeria
• Email: Payqwicker.ng@gmail.com
• Address: 39 Daddy Savage Road, Fagba, Lagos

2. Scope of This Policy

This Privacy Policy applies to users and visitors of PayQwicker’s websites, mobile applications, and digital platforms. It explains:

• What data we collect
• How we use your data
• Who we share data with
• Your data protection rights
• How to contact us

3. Information We Collect

• Personal & Identity Data: Full name, date of birth, NIN, government-issued ID, phone number, email address, and residential address.
• Financial Data: Bank account details, transaction history, wallet balances, savings and investment records.
• Biometric Data: Fingerprints and facial recognition data used strictly for authentication.
• Device & Usage Data: IP address, device type, OS, app usage patterns, and diagnostics.
• Third-Party Sources: Dojah (KYC) and PAGA (payment processing).

4. How We Use Your Information

• Account creation and management
• Transaction processing and bill payments
• KYC, AML, and regulatory compliance
• Fraud detection and security monitoring
• Customer support and service improvement

5. How We Share Your Information

• Payment processors such as PAGA
• Identity verification partners like Dojah
• Regulators including the Central Bank of Nigeria (CBN)
• Law enforcement when legally required

We do not sell your personal information.

6. Data Security

We use encryption, access controls, multi-factor authentication, and regular audits to safeguard your data. While we take strong precautions, no system is 100% secure.

7. Data Retention

We retain financial records for up to 7 years in line with Nigerian regulations. Closed accounts are deleted or anonymized within 90 days unless legally required.

8. Your Rights

• Right to access and correction
• Right to deletion (subject to law)
• Right to data portability
• Right to withdraw consent

9. Cookies & Tracking Technologies

Our website uses essential, performance, functional, and security cookies to improve functionality and protect users.

10. Children’s Privacy

PayQwicker is not intended for users under 18. We do not knowingly collect children’s data.

11. Biometric Data

Biometric data is encrypted, never sold, and used solely for authentication and fraud prevention.

12. Marketing Communications

You may opt out of promotional messages at any time. Transaction alerts will still be sent.

13. Changes to This Policy

We may update this policy periodically. Continued use of PayQwicker indicates acceptance.

14. Contact Us

Email: Payqwicker.ng@gmail.com
Address: 39 Daddy Savage Road, Fagba, Lagos
Support: Available via the PayQwicker app