Privacy Policy
Introduction
91 Payments ("we", "our", "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit https://www.91-payments.com or use our money transfer services.
By using our Services, you agree to the collection and use of information in accordance with this policy.
Information We Collect
Personal Information
We may collect:
- Full name
- Date of birth
- Residential address
- Email address
- Phone number
- Government-issued identification
- Bank account or payment details
- Transaction history
Identity Verification Information
To comply with regulatory requirements we may collect:
- Passport or national ID
- Driver's license
- Selfie verification or biometric data
- Proof of address documents
Technical Information
When you use our website we may collect:
- IP address
- Browser type
- Device identifiers
- Usage data
- Cookies
How We Use Your Information
We use personal data to:
- Provide money transfer services
- Verify identity (KYC)
- Prevent fraud and financial crime
- Comply with regulatory obligations
- Process payments and transactions
- Improve our services and website
- Communicate with customers
Regulatory Compliance
As a regulated remittance provider, we are required to comply with Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations.
We may share information with regulatory authorities in our Regulatory Disclosure document including:
- Central Bank of Nigeria
- Financial Crimes Enforcement Network
- Financial Transactions and Reports Analysis Centre of Canada
We may also share data with law enforcement when required by law.
Sharing Your Information
We may share personal data with:
- Banking partners
- Payment processors
- Identity verification providers
- Fraud detection services
- Regulatory authorities
- Law enforcement agencies
We do not sell personal data.
Data Security
We implement industry-standard security measures including:
- Encryption
- Secure servers
- Access control
- Transaction monitoring
- Fraud detection systems
However, no internet transmission is completely secure.
Data Retention
We retain customer information as required by financial regulations, typically 5–7 years after account closure or transaction completion.
Your Rights
Depending on your jurisdiction, you may have rights to:
- Access your data
- Correct inaccurate information
- Request deletion (where legally permissible)
- Object to processing
- Withdraw consent
Cookies
Our website may use cookies to improve user experience, analyze traffic, and enhance security. You can disable cookies through your browser settings.
Information on our cookies usage are available in our Cookie Policy
Contact
For privacy inquiries contact:
Email: compliance@91-payments.com
Website: https://www.91-payments.com