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Privacy Policy

Last updated: 5/30/2025

Introduction

Xpend.global ("we", "our", or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our multi-currency wallet service and related features.

Compliance with Nigerian Regulations

We operate in compliance with Nigerian data protection regulations, including the Nigeria Data Protection Regulation (NDPR) and guidelines set by the Central Bank of Nigeria (CBN) for financial services providers.

Information We Collect

  • Personal Information: Full name, date of birth, address, phone number, email, BVN, and government-issued ID
  • Financial Information: Bank account details, transaction history, and card information
  • Device Information: IP address, device type, operating system, and browser type
  • Usage Data: App interactions, feature usage, and preferences

How We Use Your Information

  • To provide and maintain our services
  • To process your transactions and manage your account
  • To comply with KYC and AML requirements
  • To communicate with you about our services
  • To improve our services and develop new features
  • To prevent fraud and ensure security

Information Sharing and Disclosure

We may share your information with:

  • Banking partners and payment processors to facilitate transactions
  • Regulatory authorities as required by law
  • Service providers who assist in our operations

Data Security

We implement appropriate technical and organizational measures to protect your personal information, including encryption, secure servers, and regular security assessments.

Your Rights

Under Nigerian data protection laws, you have the right to:

  • Access your personal information
  • Request correction of inaccurate information
  • Request deletion of your information
  • Object to processing of your information
  • Withdraw consent at any time

Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. For regulatory compliance, certain information may be retained for up to 7 years after account closure.

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.