Introduction
This Privacy Policy explains how eTranzact International Plc (“eTranzact”, “we”, “us”, or “our”) collects, uses, discloses, and protects personal information in relation to the PocketMoni Agent Platform (“the Platform”).
As a PocketMoni Agent, your privacy and trust are important to us. This Policy outlines how we handle your personal information as you register, operate, and manage your agent account on the Platform.
By registering or acting as a PocketMoni Agent, you agree to the terms of this Privacy Policy.
Information We Collect
We may collect the following categories of information about you:
a. Identity Information
- ▸Full name, gender, date of birth
- ▸National Identification Number (NIN), BVN, or other government-issued ID
- ▸Passport photograph or live selfie (for KYC verification)
- ▸Business registration details (for corporate agents)
b. Contact Information
- ▸Email address, phone number, and contact address
- ▸Emergency contact (if provided)
c. Financial Information
- ▸Bank account details (for commission payments)
- ▸Transaction records, wallet balances, and settlement reports
- ▸Agent performance or transaction limits
d. Technical Information
- ▸Device information (model, IP address, operating system, app version)
- ▸Location data (for fraud prevention and service mapping)
- ▸Log and activity data while using the Platform
e. Verification and Compliance Data
- ▸KYC and AML screening information
- ▸Data obtained from third parties (e.g., regulators, verification providers)
How We Use Your Information
We use your personal information to:
- ▸Register and manage your PocketMoni Agent profile
- ▸Verify your identity and perform KYC/AML checks
- ▸Process transactions and pay commissions
- ▸Monitor and enhance the security of the Platform
- ▸Communicate updates, support, and service information
- ▸Comply with regulatory and legal obligations
- ▸Detect and prevent fraud, misuse, or suspicious activity
We will only use your information for the purposes for which it was collected, unless we reasonably believe that we need to use it for another related purpose permitted by law.
Legal Basis for Processing
We process your data based on one or more of the following:
Data Retention
In compliance with all regulatory and legal requirements, eTranzact retains all data and information regardless of the form in which the information is held. Business needs, operational requirements, and regulatory obligations are also considered.
Years
Our standard data retention period. We keep your personal information for as long as necessary to fulfil our contractual and legal obligations.
We keep your personal information to:
- ▸Maintain your agent account
- ▸Fulfil our contractual and legal obligations
- ▸Resolve disputes or enforce agreements
Once your account is closed or inactive, your data will be securely deleted or anonymized in accordance with our retention policy and regulatory requirements.
Data Security
We apply appropriate technical and organisational measures to protect your information, including:
Encryption
Encryption of sensitive data at rest and in transit
Access Controls
Multi-factor authentication and secure access controls
Monitoring
Continuous system monitoring and regular security audits
Despite these measures, please note that no electronic system is completely secure, and we cannot guarantee absolute security.
Your Rights
Under the Nigeria Data Protection Regulation (NDPR), you have the right to:
To exercise these rights, contact us using the details in Section 11 below.
International Data Transfers
If your data is transferred or stored outside Nigeria, we ensure that such transfers are done securely and in compliance with applicable data protection laws, including the Nigeria Data Protection Act (NDPA) 2023.
Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in technology, regulation, or our operations.
When we make significant updates, we will notify you through the Platform, email, or other appropriate means.
Contact Us
If you have questions, concerns, or requests regarding your personal data or this Privacy Policy, please contact:
📍27/29 Adeyemo Alakija Street, Victoria Island, Lagos, Nigeria
© eTranzact International Plc. All rights reserved. This Privacy Policy is effective upon agent registration.