Legal

Privacy Policy

Effective Date: May 16, 2026. Last Updated: May 16, 2026.

This Privacy Policy explains how Odufa collects, uses, stores, protects, discloses, and manages your personal information when you use our website, mobile application, wallet services, bill payment services, customer support channels, and other related services collectively referred to as the “Service”.

By accessing or using Odufa, you agree to the collection and use of your information in accordance with this Privacy Policy. If you do not agree with this Policy, you should not use our Service.

1. About Odufa

Odufa is a smart wallet and bill payment platform designed to help users manage money, fund wallets, pay bills, purchase airtime and data, perform supported digital transactions, and access other financial technology services.

Odufa is not a bank. Where applicable, regulated financial services are provided through licensed banks, payment processors, identity verification providers, billers, switching companies, and other authorized financial service partners.

2. Information We Collect

We collect different categories of information depending on how you use Odufa.

2.1 Personal Identification Information

  • Full name, Email address, and Phone number
  • Date of birth and Gender (where required)
  • Profile information and Account username/ID
  • Customer support details

2.2 Identity Verification and KYC Information

To comply with legal and regulatory requirements, we may collect:

  • Bank Verification Number (BVN) and National Identification Number (NIN)
  • Government-issued identification and Selfie verification
  • Address verification (Utility bills, tenancy documents, etc.)
  • Compliance records and verification status

2.3 Financial and Transaction Information

  • Wallet balance and virtual account details
  • Transaction history (Deposits, withdrawals, transfers, bill payments)
  • Service charges, fees, and payment status
  • Beneficiary details for transaction completion

2.4 Device and Technical Information

  • Device type, IP address, and Operating system
  • Firebase Cloud Messaging token for notifications
  • App usage activity, crash logs, and performance data
  • Security and fraud-monitoring signals

3. How We Use Your Information

3.1 App Functionality and Service Delivery

We use your data to manage your account, verify your identity, process financial transactions, and provide 24/7 customer support.

3.2 Security, Fraud Prevention, and Compliance

We monitor transactions to detect suspicious activity, prevent money laundering, and comply with KYC/regulatory requirements.

3.3 Communication

We use your contact info for OTPs, transaction alerts, security notifications, and important service updates.

4. How We Share Your Information

We do not sell your personal information.

We may share relevant data with licensed banks, payment processors, identity verification providers, and cloud hosting partners strictly for service delivery and compliance.

5. Tracking and Advertising

Odufa does not use your personal information to track you across third-party apps for advertising purposes. We do not share your data with data brokers.

6. Data Retention

We retain your information as long as necessary to provide services, resolve disputes, and comply with legal, regulatory, or accounting obligations.

7. Data Security

We use industry-standard encryption, secure authentication, and access controls to protect your data. However, you are responsible for keeping your PIN, OTP, and account credentials safe.

8. Your Privacy Rights

Subject to law, you may access, correct, or update your information, request account deletion, or object to certain processing activities.

9. No Gambling or Betting Services

Odufa does not provide gambling, betting, or gaming-for-money services. Users are prohibited from using Odufa for such transactions.

10. Contact Us

For privacy requests or enquiries, contact us through: