VALAR GLOBAL SERVICES LIMITED (“ValarPay”, “we”, “our”, or “us”) is committed to protecting your personal information and respecting your privacy. This Privacy Policy explains how we collect, use, store, share, and safeguard your information when you use the ValarPay mobile application, website, and related financial technology services.

By accessing our platform or using our services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We may collect various categories of information to provide you with secure and compliant financial services. Personal data includes any information relating to an identified or identifiable individual. This may include:

• Name and contact details
• Identification numbers (NIN, BVN, Passport, Driver’s License)
• Address, email, phone number, and location data
• Bank details, transaction history, and virtual account data
• Facial recognition or biometric verification data (where applicable)
• Device information, browser type, IP address, and operating system
• Photos, documents, and KYC verification files

1.1 Personal Information

We collect personal data that you voluntarily provide during account creation, KYC verification, contact with support, or when performing transactions such as transfers, withdrawals, bill payments, airtime purchases, or card creation.

1.2 Usage Data

We automatically collect usage data such as IP address, device identifiers, pages visited, referring URLs, crash reports, and in-app behavior to improve performance, security, and analytics.

1.3 Cookies and Tracking Technologies

Cookies and similar tracking tools help us personalize your experience, enhance security, and analyze user activity on our platform.

2. How We Use Your Information

We may use the information we collect for the following purposes:

• To create and manage your ValarPay account
• To verify your identity and comply with KYC/AML regulations
• To process transfers, withdrawals, bill payments, and transactions
• To communicate updates, alerts, and customer support messages
• To improve service performance, security, and analytics
• To detect and prevent fraud, financial crime, and unauthorized activity
• To comply with legal and regulatory requirements

3. Sharing Your Information

We may share your information with the following parties:

• Partner Institutions: Licensed microfinance banks, payment providers, and billers who power ValarPay’s regulated services.
• Service Providers: KYC verification vendors, analytics tools, cloud hosting platforms, fraud prevention systems, and customer support providers.
• Regulatory Authorities: When required by law, for compliance, national security, or lawful investigations.
• Business Transfers: If ValarPay undergoes a merger, acquisition, or restructuring, your information may be transferred.

4. Data Security

We implement industry-standard security measures to protect your data, including encryption, secure servers, access controls, authentication systems, and fraud monitoring tools.

However, no transmission method over the internet or mobile networks is 100% secure; therefore, we cannot guarantee absolute security.

5. Your Rights and Choices

You may have rights under applicable data protection laws, including:

• Right to access and update your personal data
• Right to correct inaccurate information
• Right to delete your data where legally permissible
• Right to restrict or object to certain processing
• Right to withdraw consent (where processing is based on consent)

To exercise any rights, contact us at support@valarpay.com or call 02013309609.

6. Third-Party Links

Our app or website may contain links to third-party platforms. This Privacy Policy does not apply to external services, and we recommend reviewing their privacy policies.

7. Changes to This Privacy Policy

We may update this Privacy Policy occasionally. When changes occur, we will update the “Last Updated” date and may notify you through the app or email, where required.

8. Retention of Your Data

We retain personal data only for as long as necessary to provide our services, comply with legal obligations, resolve disputes, enforce agreements, or meet regulatory standards such as CBN and Payment Card Industry Data Security Standard (PCI-DSS).

9. Contact Us

If you have questions about this Privacy Policy, contact us at:

VALAR GLOBAL SERVICES LIMITED

Address: 23, OGAGIFO STREET, OFF DBS ROAD, BEFORE GQ SUITES, ASABA, DELTA STATE, NIGERIA.

Email: support@valarpay.com

Phone: 02013309609