Privacy Policy

1. Information we collect

We collect information you give us directly (name, email, phone), information from your use of the app (transactions, device, IP address, session data) and information from payment partners required to process your top-ups, transfers and bill payments. Identity data collected for verification is described in our KYC Policy.

2. How we use your information

• To operate your wallet and process transactions
• To verify your identity and prevent fraud and financial crime
• To send transaction alerts and important account notices
• To improve reliability and provide customer support
• To meet our legal, regulatory and record-keeping obligations

3. Sharing

We share data only with regulated payment processors, banks, identity verification providers and communication providers required to deliver a service you requested, or when required by Nigerian law. We never sell your personal data.

4. Security

All traffic is encrypted in transit. Wallet debits require a PIN. Access to production systems is restricted and audited. Full detail is in our Security Policy.

5. Data retention

Transaction and identity records are retained for the period required by Nigerian financial regulations. You may request account deletion at any time; balances must be withdrawn first.

6. Your rights

You may access, correct or delete your personal information, request a copy of it, and object to certain processing. Contact bellspaytechnologies@gmail.com to exercise these rights. We respond within 30 days.

7. Cookies

We use essential cookies to keep you signed in and to secure your session. We do not use advertising cookies. See our Cookie Policy.

8. Children

Bellspay is not intended for anyone under 18. We do not knowingly collect personal information from children.

9. Changes

We may update this policy. Material changes will be announced in-app or by email at least 7 days before they take effect.

10. Contact

Questions? Email bellspaytechnologies@gmail.com or WhatsApp 09020270783.