Privacy Policy

1. Introduction

9th Pay Ltd ("9th Pay") is committed to protecting the privacy of everyone who uses our platform, including our smart POS terminals, mobile application, and merchant dashboard.

2. Data We Collect

We collect identity data, contact data, financial details, device and technical data, usage patterns, and KYC documentation as required for onboarding and compliance.

3. How We Use Your Data

Your data is used to process transactions, settle payments, provide support, prevent fraud, improve reliability, and meet legal and regulatory obligations.

4. Data Sharing

We may share data with payment networks, regulated processors, security partners, and legal authorities where required by law or operational necessity.

5. Security

We maintain strong technical and organizational controls including encryption, access control, security monitoring, and regular audits.

In the event of a high-risk incident, we will notify affected users and relevant regulators within required legal timelines.

6. Your Rights Under NDPA

You may request access, correction, deletion, portability, or restriction of your personal data in line with Nigerian data protection law.

7. Data Retention

Data is retained according to lawful retention periods and securely disposed after expiry, except where legal or investigative holds apply.

8. Cookies & Tracking

Our web services use cookies and similar technologies to maintain sessions, improve product performance, and understand usage trends.

9. Contact DPO

For privacy concerns, contact dpo@9thpay.com. For general support inquiries, contact hello@9thpay.com.