Last updated: June 22, 2026
We collect: name, email, phone number, WhatsApp ID, country, date of birth, KYC documents (BVN, ID), IP address, device information, and transaction data.
Your data is used to: create and manage your account, process transfers, verify your identity, detect fraud, send notifications, and comply with financial regulations.
We share data with: Flutterwave (payment processing and KYC), Twilio (WhatsApp and SMS messaging), Brevo (email), and Cloudinary (receipt storage). We never sell your data to advertisers.
Identity documents are encrypted at rest using AES-256 encryption. BVN numbers are stored encrypted and never shared beyond KYC verification purposes.
We retain your data for as long as your account is active and for up to 7 years after closure to comply with financial regulations.
You may request access to, correction of, or deletion of your personal data by emailing help@payablehq.xyz. Note that some data must be retained for regulatory compliance.
Our website uses essential cookies for security (CSRF protection) and session management. We do not use advertising or tracking cookies.
We use AES-256 encryption, TLS for all data in transit, rate limiting, and device fingerprinting to protect your account and data.
For privacy concerns, email help@payablehq.xyz or WhatsApp +234 907 991 6807.