Privacy Policy

To provide our services effectively and securely, we collect several types of information when you use Disbux:

Personal Information

• Identity Information: Full name, phone number, email address, and date of birth for account verification
• Financial Information: Bank account details, transaction history, and wallet balance information
• Contact Information: Phone numbers and email addresses for communication and security purposes

Technical Information

• Device Data: Device identifiers, operating system, app version, and IP address
• Usage Data: How you interact with our app, features used, and performance metrics
• Location Data: General location information for fraud prevention (with your consent)

Payment Code Data

• Unique payment codes you generate and their associated metadata
• Recipient information and transaction details
• Code redemption history and patterns

We use the information we collect to provide, maintain, and improve our services:

Service Provision

• Process payment code generation and redemption
• Facilitate money transfers and transactions
• Maintain your account and provide customer support
• Send transaction confirmations and account notifications

Security & Fraud Prevention

• Verify your identity and prevent unauthorized access
• Monitor for suspicious activities and fraud
• Comply with anti-money laundering (AML) regulations
• Protect against security threats and abuse

Service Improvement

• Analyze usage patterns to improve our platform
• Develop new features and services
• Conduct research and analytics
• Personalize your experience within the app

We only share your information in specific circumstances and with appropriate safeguards:

Service Providers

• Payment processors (MoniePoint/Monnify) for transaction processing
• Cloud service providers for data storage and processing
• Analytics providers for service improvement
• Customer support platforms for assistance

Legal Requirements

• Regulatory authorities when required by law
• Law enforcement agencies for legitimate investigations
• Courts or legal proceedings when compelled
• Financial intelligence units for AML compliance

You have several rights regarding your personal information:

Access & Portability

• Request a copy of all personal data we hold about you
• Export your transaction history and account data
• Receive your data in a machine-readable format

Correction & Updates

• Update your profile information directly in the app
• Request correction of inaccurate information
• Add missing information to your account

Deletion & Restriction

• Request deletion of your account and associated data
• Restrict processing of your information
• Object to certain types of data processing

We implement comprehensive security measures to protect your information:

Technical Safeguards

• End-to-end encryption for sensitive data transmission
• Advanced encryption standards (AES-256) for data storage
• Multi-factor authentication for account access
• Regular security audits and penetration testing

Operational Security

• Limited access to personal data on a need-to-know basis
• Regular employee security training and background checks
• Incident response procedures for security breaches
• Continuous monitoring for suspicious activities

Infrastructure Security

• Secure cloud infrastructure with industry-leading providers
• Regular backups and disaster recovery procedures
• Network security and firewall protection
• Physical security controls for data centers

We retain your information only as long as necessary for legitimate business purposes:

Active Accounts

• Account information: Retained while your account is active
• Transaction records: Kept for 7 years for regulatory compliance
• Communication logs: Retained for 3 years for support purposes

Closed Accounts

• Personal information: Deleted within 30 days of account closure
• Transaction history: Retained for regulatory requirements (7 years)
• Fraud prevention data: Kept for 5 years for security purposes

Your information may be transferred to and processed in countries outside Nigeria:

Transfer Safeguards

• Standard contractual clauses for data protection
• Adequacy decisions from relevant authorities
• Certification schemes and codes of conduct
• Regular compliance monitoring and audits

Countries We Work With

• United States (cloud infrastructure providers)
• European Union (analytics and support services)
• Other countries with adequate protection levels

Disbux is not intended for use by children under 18 years of age:

• We do not knowingly collect information from children under 18
• If we discover we have collected such information, we will delete it immediately
• Parents can contact us to request deletion of their child's information
• We recommend parental supervision for any financial services

We may update this privacy policy from time to time:

• We'll notify you of significant changes via email or app notification
• Minor updates will be posted on our website with an updated date
• Continued use of our services constitutes acceptance of changes
• You can always access the current version at disbux.com/privacy-policy

If you have questions about this privacy policy or want to exercise your rights, please contact us: