Privacy Policy

Last updated: January 1, 2026

1. Introduction

PayRu ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services (the "Service").

2. Information We Collect

We collect information that you provide directly to us, including:

• Account information such as your name, email address, phone number, and password.
• Identity verification (KYC) information, including government-issued ID type and number (e.g., NIN, Voter's Card, Driver's License, or International Passport), date of birth, and residential address.
• Financial information, including bank account details used to process payouts.
• Transaction information, including the assets you sell, amounts, exchange rates, and wallet addresses.
• Communications you send to our support team.

3. How We Use Your Information

We use the information we collect to:

• Create and manage your account.
• Verify your identity and comply with KYC/AML regulations.
• Process transactions, including crypto deposits and bank payouts.
• Send you notifications about your transactions and account activity.
• Detect, prevent, and address fraud, abuse, and security issues.
• Improve and personalize our Service.

4. How We Share Your Information

We do not sell your personal information. We may share information with:

• Identity verification and compliance partners to confirm your KYC details.
• Banking and payment partners to process your payouts.
• Regulators and law enforcement when required by law.
• Service providers who help us operate our platform, under strict confidentiality agreements.

5. Data Security

We implement industry-standard security measures, including encryption in transit and at rest, to protect your information from unauthorized access, alteration, or disclosure. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as your account is active or as needed to comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements.

7. Your Rights

You have the right to access, correct, or delete the personal information we hold about you, subject to applicable law. To exercise these rights, please contact our support team.

8. Cookies

We may use cookies and similar tracking technologies to enhance your experience on our platform. You can control cookies through your browser settings.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page with an updated effective date.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at support@PayRu.com.