Privacy Policy

Moyopay is operated by Moyo Horizon LTD, a company incorporated in Nigeria. Moyopay is a digital wallet platform that enables users to save in USDT/USDC, invest in tokenised stocks, pay bills, send money, and spend globally through partner integrations.

For privacy-related enquiries, contact us at privacy@moyopay.io or through our contact form.

We may collect the following categories of information:

• Contact and identity information: name, email address, phone number, and other details you provide when joining the waitlist, creating an account, or contacting us.
• Account and usage information: login credentials, preferences, referral codes, waitlist position, and how you interact with our website and app.
• Transaction-related information: when Services are available, records of deposits, withdrawals, transfers, bill payments, card activity, and investment activity processed through Moyopay or our partners.
• Technical information: IP address, browser type, device identifiers, operating system, pages visited, and similar analytics data.
• Communications: messages you send us and our responses, including support requests and marketing preferences.
• Compliance information: information required for identity verification (KYC), anti-money laundering (AML), fraud prevention, and regulatory obligations, where applicable.

We do not intentionally collect sensitive personal data unless required by law or necessary to provide regulated Services, and we do not knowingly collect data from children under 18.

We use personal information to:

• Provide, operate, and improve the Services;
• Process waitlist sign-ups, referrals, and account registration;
• Communicate with you about product updates, access, and support;
• Facilitate payments, conversions, transfers, and partner services;
• Detect, prevent, and investigate fraud, abuse, or security incidents;
• Comply with legal, regulatory, and contractual obligations;
• Send marketing communications where permitted by law and your preferences (you may opt out at any time).

Where applicable under the Nigeria Data Protection Act 2023 (NDPA), the Nigeria Data Protection Regulation (NDPR), and other relevant laws, we process personal data based on one or more of the following:

• Your consent;
• Performance of a contract with you;
• Compliance with legal obligations;
• Our legitimate interests, such as securing our platform, improving our products, and preventing fraud, provided those interests are not overridden by your rights.

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

• Service providers who help us host our website, send emails, provide analytics, customer support, and security services;
• Financial and payment partners, including CBN-licensed payment processors for naira movement, card issuers, liquidity providers, and blockchain infrastructure partners necessary to deliver the Services;
• Professional advisers such as lawyers, accountants, and auditors, under confidentiality obligations;
• Regulators and authorities when required by law, court order, or to protect rights, safety, and security;
• Business transfers in connection with a merger, acquisition, financing, or sale of assets, subject to appropriate safeguards.

Because Moyopay uses a partner-first model, certain data may be processed directly by partners under their own privacy policies when you use their services through Moyopay.

Your information may be processed in Nigeria and other countries where we or our partners operate. Where data is transferred outside Nigeria, we take reasonable steps to ensure appropriate safeguards are in place in accordance with applicable data protection laws.

We retain personal information only for as long as necessary to fulfil the purposes described in this Policy, including to satisfy legal, accounting, tax, AML, and regulatory requirements. When data is no longer needed, we delete or anonymise it in accordance with our retention practices.

We implement administrative, technical, and organisational measures designed to protect personal information against unauthorised access, loss, misuse, or alteration. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Subject to applicable law, you may have the right to:

• Access the personal information we hold about you;
• Request correction of inaccurate or incomplete data;
• Request deletion of your data, where legally permitted;
• Object to or restrict certain processing;
• Withdraw consent where processing is consent-based;
• Lodge a complaint with the Nigeria Data Protection Commission (NDPC).

To exercise these rights, email privacy@moyopay.io. We may need to verify your identity before responding.

We use cookies and similar technologies to operate the website, remember preferences, measure performance, and improve user experience. You can control cookies through your browser settings. Disabling cookies may affect certain features of the Services.

Our Services may contain links to third-party websites, apps, or services. We are not responsible for the privacy practices of those third parties. We encourage you to review their policies before providing personal information.

We may update this Privacy Policy from time to time. The “Last updated” date at the top of this page will reflect the latest version. Material changes will be communicated through the website or other appropriate channels. Continued use of the Services after changes become effective constitutes acceptance of the updated Policy.

If you have questions about this Privacy Policy or our data practices, contact:
Moyo Horizon LTD
Email: privacy@moyopay.io
Website: moyopay.io