We Respect Your Privacy

A clear breakdown of what data we collect and how we use it to keep Kwikpik safe and reliable. Updated 3rd dec, 2025

General

Kwikpik (“we,” “our,” or “us”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, share, and protect your data when you use any Kwikpik product or service — including our fintech wallet, bill payments, transfers, digital assets, marketplace, merchant tools, and logistics services. By using Kwikpik, you agree to the practices described in this policy.

1. Information We Collect

a. Personal Information

We may collect:

  • Full name
  • Email address
  • Phone number
  • Date of birth
  • Residential address
  • Government-issued ID
  • BVN or other identification data (for KYC)

This information is required to verify your identity and comply with financial regulations.

b. Financial Information

We collect information related to:

  • Wallet Balances
  • Transaction history
  • Bill payments
  • Transfers
  • Digital asset holdings
  • Conversions and settlements

We do not store your bank login credentials.

c. Device & Usage Information

  • Device type and operating system
  • IP address
  • App activity and interaction logs
  • Crash reports and diagnostics

d. Location Data

With your permission, we may collect approximate or precise location data to enable:

  • Bill payments
  • Marketplace services
  • Logistics and delivery
  • Fraud prevention

e. Communications

  • Support requests
  • Emails
  • In app messages
  • Feedback submissions

2. How We Use Your Information

We use your information to:

  • Create and manage kwikpik account
  • Verify identity (KYC & compliance)
  • Power wallet services, transfers, and bill payments
  • Enable digital asset services and conversions
  • Facilitate marketplace and logistics operations
  • Prevent fraud and unauthorized activity
  • Improve product performance and reliability
  • Communicate important updates and service notices
  • Comply with legal and regulatory obligations

3. How We Share Your Information

We only share data when necessary and responsibly.

a. Service Providers

We share limited information with trusted partners who help us with:

  • Payment processing
  • Identity verification
  • Fraud prevention
  • Cloud infrastructure
  • Analytics and customer support

All partners are required to protect your data.

b. Legal & Regulatory Disclosure

We may disclose information when required by:

  • Law enforcement
  • Court orders
  • Financial regulators
  • Anti-money laundering (AML) obligations

c. Business Transfers

If Kwikpik is involved in a merger, acquisition, or asset sale, your data may be transferred as part of the transaction.

4. Your Rights & Choices

You have the right to:

  • Access personal information
  • Correct incorrect data
  • Request data deletion (subject to regulatory retention requirements)
  • Control marketing communication preferences
  • Withdraw consent for certain data uses

Requests can be sent to: support@kwikpik.co

5. Data Security

We use industry-standard security practices including:

  • Bank-grade encryption
  • Secure servers
  • Multi-layer access control
  • Transaction monitoring
  • Regular system audits

However, no digital system is completely risk-free. We continuously improve our safeguards to reduce all risks.

6. Digital Assets & Blockchain Data

Certain Kwikpik transactions may occur on public blockchain networks. Blockchain records are public and immutable, meaning transaction data may be visible but is not directly tied to your real-world identity unless required by law.

7. Data Retention

We retain your information as long as:

  • Your account remains active
  • Required for legal and financial compliance
  • Necessary to resolve disputes and enforce agreements

8. International Data Transfers

Your information may be processed outside your country of residence where our infrastructure or partners operate. We ensure all transfers meet applicable data protection standards.

9. Third-Party Services

Kwikpik may link to third-party platforms (banks, merchants, logistics providers). We are not responsible for their privacy practices and encourage you to review their policies separately.

10. Updates to This Policy

We may update this Privacy Policy periodically. Any changes will be communicated via any of the following:

  • Our website
  • The mobile app
  • Email notifications

Continued use of kwikpik after updates means you accept the revised policy.