Legal

Privacy Policy

Last updated: July 2026

This Privacy Policy explains how NexuzPayz ("we", "us") collects, uses, shares, and protects personal information when you use our website (https://www.nexuzpayz.com), mobile applications, merchant portal, APIs, and support channels.

1. Who we are

NexuzPayz is a financial technology company based in Accra, Ghana. We provide multi-currency wallet services and merchant payment APIs. For privacy enquiries contact support@nexuzpayz.com.

Address: Haatso Ecomog, Accra, Ghana

2. Information we collect

2.1 Information you provide

  • Account registration details (name, email, phone number, country, referral code).
  • Identity verification data and documents submitted during KYC (e.g. government ID, selfies).
  • Merchant business information (legal name, registration number, industry, support contacts, KYC documents).
  • Beneficiary details (bank accounts, mobile money numbers, crypto addresses).
  • Communications with support, waitlist sign-ups, and contact form submissions.

2.2 Information collected automatically

  • Device information (model, operating system, app version, push notification tokens).
  • Session and security data (login timestamps, IP address, active device sessions).
  • Transaction metadata (amounts, currencies, statuses, references, fee estimates).
  • API and webhook logs for merchant integrations (timestamps, endpoints, response codes).
  • Website usage data via cookies and similar technologies (see our Cookie Policy).

2.3 Information from third parties

  • Identity verification results and sanctions screening from regulated KYC providers.
  • Payment status updates from mobile money networks, banks, and payment processors.
  • Blockchain transaction confirmations for stablecoin wallets.

3. How we use your information

We use personal information to:

  • Provide, operate, and improve the Services.
  • Verify identity, prevent fraud, and comply with AML/KYC obligations.
  • Process transfers, collections, conversions, and merchant settlements.
  • Send transactional notifications (email, SMS, push) and security alerts.
  • Provide customer support and respond to enquiries.
  • Enforce our Terms of Service and protect users and the platform.
  • Analyse aggregated usage to improve product design and reliability.
  • Send marketing communications where you have opted in (you may opt out at any time).

4. Legal bases for processing

Depending on your jurisdiction, we process data based on:

  • Performance of a contract (providing Services you request).
  • Legal obligations (AML/KYC, tax, regulatory reporting).
  • Legitimate interests (security, fraud prevention, product improvement).
  • Consent (marketing, optional cookies, certain biometric features).

5. How we share information

We may share personal information with:

  • Payment and banking partners — to operate GHS virtual accounts, mobile money collections, USD/EUR accounts, and stablecoin wallets.
  • Identity verification providers — to complete KYC and ongoing compliance checks.
  • Infrastructure providers — cloud hosting, email, SMS, push notification, and analytics services under contractual confidentiality obligations.
  • Professional advisers — lawyers, auditors, and insurers where necessary.
  • Regulators and law enforcement — when required by law, court order, or to protect rights and safety.
  • Business transfers — in connection with a merger, acquisition, or asset sale, subject to confidentiality.

We do not sell your personal information.

6. International data transfers

Because we use global infrastructure and partners, your information may be processed in Ghana and other countries. Where required, we implement appropriate safeguards such as contractual data protection clauses with service providers.

7. Data retention

We retain personal information for as long as needed to provide Services, comply with legal and regulatory obligations (including financial record-keeping), resolve disputes, and enforce agreements. KYC and transaction records may be retained for extended periods as required by applicable AML laws.

8. Security

We implement technical and organisational measures including encryption in transit, access controls, secure session management, optional two-factor authentication, and monitoring. No method of transmission or storage is completely secure; you are responsible for protecting your credentials and devices.

9. Your rights

Depending on applicable law, you may have the right to:

  • Access personal information we hold about you.
  • Request correction of inaccurate data.
  • Request deletion, subject to legal retention requirements.
  • Object to or restrict certain processing.
  • Withdraw consent where processing is consent-based.
  • Data portability where technically feasible.

To exercise these rights, email support@nexuzpayz.com. We may need to verify your identity before responding.

10. Children

The Services are not directed to individuals under 18. We do not knowingly collect personal information from children. Contact us if you believe a child has provided information.

11. Changes to this policy

We may update this Privacy Policy periodically. The "Last updated" date at the top indicates when changes were posted. Material changes may also be communicated via email or in-app notice where appropriate.

12. Contact

Privacy enquiries: support@nexuzpayz.com
NexuzPayz, Haatso Ecomog, Accra, Ghana