Privacy Policy

AtusPay Privacy Policy

Last Updated: November 13, 2025

Welcome to AtusPay, a digital financial platform powered by Atus West Africa Ltd (“we,” “our,” or “us”).

AtusPay is a secure platform that enables users to send, receive, and manage money digitally. We partner with Flutterwave — a trusted payment processor — to provide reliable, secure, and compliant payment solutions.

This Privacy Policy explains how we collect, use, and protect your personal and financial information. By using AtusPay, you agree to the terms outlined here.

1. Information We Collect

We collect information necessary to provide our financial services, including:

a. Personal Identification

•Full name

•Date of birth

•Phone number

•Email address

•National Identification Number (NIN), BVN, or other KYC data

b. Financial & Transaction Information

•Linked bank accounts or card details

•Payment records

•Account balances

•Transaction history through our partner, Flutterwave

c. Device & Technical Data

•IP address

•Device model, operating system, and identifiers

•Usage statistics and crash logs

•Cookies and session tokens

d. Customer Support & Feedback

•Chat or email correspondence

•Feedback forms, survey responses, or reviews

2. How We Use Your Information

We use your information to:

1.Create and manage your AtusPay account

2.Process secure payments via our partner, Flutterwave

3.Verify user identity (KYC) and prevent fraud

4.Comply with regulatory obligations (CBN, NFIU, NDIC)

5.Send transaction alerts and account updates

6.Improve user experience and app performance

7.Provide customer support and resolve disputes

We only process data that is necessary for the operation and security of our financial services.

3. Partnership with Flutterwave

AtusPay integrates with Flutterwave, a Central Bank of Nigeria–licensed payment processor, to power our payment gateway, transfers, and wallet functionalities.

When you use AtusPay:

•Your transaction data is securely processed by Flutterwave’s infrastructure.

•Flutterwave may receive limited data (e.g., name, email, phone number, and transaction details) for payment authorization, compliance, and anti-fraud purposes.

•Flutterwave’s systems comply with global financial data standards such as PCI-DSS, ISO 27001, and GDPR.

You can review Flutterwave’s privacy policy here:

🔗 https://flutterwave.com/us/privacy-policy

4. Sharing of Information

We do not sell or trade your personal data.

Your information may only be shared in the following limited cases:

•With Flutterwave, to process your payments and transfers securely.

•With banks and regulators, to comply with financial laws.

•With KYC verification services, for identity and fraud checks.

•With trusted service providers, offering cloud hosting, customer support, and analytics.

•If required by law enforcement or regulatory bodies.

All third parties are bound by strict confidentiality and data protection agreements.

5. Data Security

We and Flutterwave employ enterprise-grade security measures, including:

•End-to-end data encryption

•Two-factor authentication (2FA)

•SSL-secured API communications

•Continuous fraud monitoring

•Regular system audits and compliance checks

Your security is our priority, and we never store sensitive card or bank information on our servers.

6. Data Retention

We retain your data only as long as needed to:

•Maintain your account,

•Comply with legal and financial obligations, and

•Prevent fraud or misuse.

After retention periods expire, we securely delete or anonymize all personal data.

7. Your Rights

You may at any time:

•Access your personal data

•Request corrections or updates

•Opt out of marketing communications

•Request account deletion (subject to regulatory retention laws)

Send any requests to: contact@atuspay.co

8. Cookies and Analytics

We use cookies and analytics tools to enhance your experience, including:

•Session management

•Fraud detection

•Usage analytics for app improvements

You can disable cookies in your browser or device settings.

9. Legal Compliance

AtusPay operates in accordance with:

•The Nigeria Data Protection Act (NDPA)

•CBN Consumer Protection Framework

•Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations

10. Updates to This Policy

We may update this Privacy Policy from time to time.

Any changes will be reflected in this document with a new “Last Updated” date.

11. Contact Us

For questions, concerns, or privacy-related requests:

AtusPay Data Protection Office

📧 contact@atuspay.co

🌐 www.atuspay.co

🏢 House 57, 51 Crescent, 5th Avenue, Gwarinpa.