Privacy Policy
Apexpay Global Tech LTD
Last updated: 24 September 2026
Apexpay ("we", "us") provides gift card and cryptocurrency exchange, bill payment and related services through our website and mobile app. This policy explains what personal data we collect, how we use it, and your rights. We comply with the Nigeria Data Protection Act 2023.
1. Data we collect
Account and identity: name, phone number, email, date of birth, BVN, NIN, government-issued ID, and a selfie for identity verification.
Financial: bank account details, transaction history, gift card and cryptocurrency details you submit for trading, and wallet addresses.
Device and usage: device type, operating system, app version, IP address, crash reports and in-app activity. We use this to run, secure and improve the app.
Communications: messages you send us through support channels.
2. How we use your data
- To verify your identity and open and maintain your account
- To process trades, payouts and bill payments
- To detect and prevent fraud, and to meet anti-money laundering and other legal obligations
- To provide customer support
- To improve the app and our services
- To send service updates, and marketing emails or app notifications where you have not opted out
4. International transfers
We operate in Nigeria and Ghana, and some of our service providers are located outside these countries. Where data leaves your country, we ensure appropriate safeguards are in place as required by applicable data protection law.
5. How long we keep it
We keep your personal data for at least five years after your account closes, as required by anti-money laundering law, or longer where needed to resolve disputes or meet other legal obligations.
6. Security
We protect your data with encryption, access controls and monitoring. Access is limited to staff who need it to do their jobs.
7. Your rights
You can ask us to access, correct or delete your personal data, object to or restrict its processing, or request a copy of it. Some data cannot be deleted while we are legally required to retain it. To exercise any of these rights, email legal@apexpay.org. You may also complain to the Nigeria Data Protection Commission or, in Ghana, the Data Protection Commission.
8. Marketing
You can unsubscribe from marketing emails using the link in any email, and turn off promotional notifications in your device or app settings. You will still receive messages about your account and transactions.
9. Children
Our services are for people aged 18 and over. We do not knowingly collect data from anyone under 18.
10. Changes
We may update this policy from time to time. We will post the new version here and, for significant changes, notify you in the app or by email.
11. Contact
Apexpay Global Tech LTD
legal@apexpay.org