Privacy Policy

• Who we are
• Scope
• Information we collect
• Device permissions
• How we use information
• How we share information
• Payments
• Retention
• Security
• Your rights
• Children
• Changes
• Contact

1. Who we are

Paya is operated by DEVELOPER PAC I.T ENTERPRISE. Paya is powered by SurePlug and uses the SurePlug platform to provide wallet and bill-payment services in Nigeria.

Operating address: 12 ILE OGBO STREET, ABULE EGBA, LAGOS STATE. Support: support@thesureplug.com. Privacy requests: privacy@thesureplug.com.

2. Scope

This policy applies to:

• The Paya mobile app for iOS and Android (package / bundle ID com.thesureplug.paya)
• This website at https://paya.thesureplug.com, including support and legal pages
• Customer support channels related to Paya accounts, wallet activity, and bill payments

3. Information we collect

Account and profile

• Phone number (used for authentication and account recovery)
• Name and email address when you provide them
• Profile photo if you choose to upload one
• Password credentials when you use email sign-in (stored as a secure hash)

Wallet and payments

• Wallet balance and ledger entries for top-ups, bill payments, and refunds
• Bill purchase details such as service type (airtime, data, electricity, cable), amount, destination phone or meter / IUC identifiers you enter, network or provider selection, and purchase status
• Payment references and confirmation status from payment partners

Technical and usage data

• App version, device type, and basic diagnostic logs needed to fix errors
• IP address and approximate network information when you connect to our servers
• Authentication tokens needed to keep you signed in securely

4. Device permissions

• Photo library: only if you change your profile picture. We do not access your photos unless you pick an image in the app.
• Internet / network: required to sign in, load balances, and complete purchases.

Paya does not require continuous location access for bill payments.

5. How we use information

• Create and secure your account
• Process wallet top-ups and bill payments you request
• Show purchase history and send status updates about failed or refunded purchases
• Provide customer support and investigate disputes or abuse
• Improve reliability, prevent fraud, and meet legal obligations

6. How we share information

We share personal information only as needed to operate Paya:

• SurePlug platform services that power authentication, wallet, and bill fulfilment APIs
• Payment processors that handle wallet funding and related checkout
• Bill / VTU providers that deliver airtime, data, electricity tokens, or cable renewals you purchase (limited to the details required to complete the service)
• Service providers that host infrastructure or send transactional messages (for example SMS OTP)
• Authorities when required by law or to protect users and our services

We do not sell your personal information.

7. Payments

Wallet top-ups and bill payments are processed through licensed payment partners used by the SurePlug platform.

Card and bank details entered during checkout are handled by those payment partners under their own security and privacy terms. Paya stores payment references and outcomes needed for your wallet ledger and support.

8. Retention

We keep account, wallet, and purchase records for as long as your account is active and for a reasonable period afterward to meet accounting, dispute, fraud-prevention, and legal requirements. You may request account deletion as described on our Delete account page.

9. Security

We use industry-standard safeguards such as encrypted transport (HTTPS/TLS), access controls, and hashed credentials. No method of transmission or storage is completely secure; please protect your device and sign-out on shared devices.

10. Your rights

Depending on applicable law in Nigeria, you may request access, correction, or deletion of personal data we hold about you, or ask questions about how it is processed. Contact privacy@thesureplug.com or support@thesureplug.com.

11. Children

Paya is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us data, contact us so we can delete it.

12. Changes

We may update this Privacy Policy from time to time. The “Last updated” date at the top of this page will change when we do. Continued use of Paya after an update means you accept the revised policy.

13. Contact

Privacy questions: privacy@thesureplug.com
Support: support@thesureplug.com
Postal: DEVELOPER PAC I.T ENTERPRISE, 12 ILE OGBO STREET, ABULE EGBA, LAGOS STATE