Privacy Policy

Paypadi Africa ("Paypadi", "we", "us") operates as a payment facilitation service. This policy describes what personal data we collect, how we use it, and your rights over it. We keep this short because we don't collect more than we need.

1. What We Collect

When you transact with Paypadi, we collect only what's needed to execute your request:

• Contact information — your WhatsApp number and/or name, used to communicate with you about your transaction.
• Transaction details — payment links, invoice amounts, product URLs, shipping addresses, item descriptions, and Naira amounts funded.
• Bank details — enough to confirm receipt of your funding transfer (sender name, amount). We do not store full account numbers.
• Correspondence — your WhatsApp messages to us, used to process and support your order.

We do not collect passwords, credit card numbers, government IDs, or BVN unless a specific transaction explicitly requires it and you consent.

2. How We Use It

We use your data only to:

• Execute the transaction you requested (Pay, Shop, Ship).
• Communicate order status, quotes, receipts, and support via WhatsApp.
• Resolve disputes, process refunds, or handle delivery issues.
• Comply with applicable Nigerian laws or regulatory requirements.

We do not use your data for advertising, profiling, or selling to third parties.

3. Who We Share It With

We share your data only where necessary to deliver the service:

• Payment processors — to execute the international payment on your behalf.
• US retailers — your shipping address, for Shop orders where delivery goes directly to a forwarder or your address.
• Shipping carriers and customs agents — for Ship orders: your Nigerian delivery address and item descriptions required for customs documentation.

We do not sell client data. We do not share data with advertisers.

4. Data Retention

We keep transaction records for as long as reasonably necessary to handle disputes, process refunds, or comply with Nigerian legal obligations — typically up to 12 months from the transaction date. WhatsApp conversations are retained within WhatsApp's own platform subject to their policies.

5. Website Data

This website does not use tracking pixels, advertising cookies, or third-party analytics. We may collect basic server logs (IP address, page accessed, timestamp) for security and uptime purposes. These are not linked to your identity and are not retained beyond 30 days.

6. Your Rights

You may request:

• A copy of the personal data we hold about you.
• Correction of inaccurate data.
• Deletion of your data, where we have no legal obligation to retain it.

Contact us at hello@paypadi.africa to make any of these requests. We will respond within 7 business days.

7. Security

Transaction details are communicated over WhatsApp (end-to-end encrypted). We do not store card numbers or sensitive financial credentials. Our team is the only group with access to client transaction records.

8. Children

Paypadi services are not directed at or intended for use by anyone under 18. We do not knowingly collect data from minors.

9. Changes to This Policy

We may update this policy at any time. Changes take effect when posted at this URL. We will not retroactively apply new terms to existing transactions without notice.

10. Contact

Privacy questions: hello@paypadi.africa · WhatsApp: +234 706 560 8358