GORAPAY Privacy Policy

• Individual Empowerment: You control your information and choices.
• Data Minimization: We collect only what we need to serve you.
• Strict Security: We use robust technical and physical guards to protect data.
• Local Compliance: We follow specific national laws in our operating countries.

• Identity Data: Full name, date of birth, and government-issued ID numbers (e.g., BVN/NIN in Nigeria, Ghana Card, or Kenyan National ID).
• Contact Data: Email address, phone number, physical address, and billing details.
• Financial Data: Bank account details, mobile money wallet numbers, and crypto wallet addresses.
• Transaction Data: Details of fiat deposits, withdrawals, and crypto swap history.
• Technical Data: IP address, device location, browser type, and app usage logs.

• Service Delivery: Setting up profiles, executing swaps, and managing deposits/withdrawals.
• Fraud Prevention: Verifying identities to block illegal transactions and claims.
• Regulatory Compliance: Meeting statutory obligations like Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) laws.
• Partner Coordination: Sharing details with banking partners to process transactions.

• Your Consent: You explicitly agree to our data practices when signing up.
• Contractual Necessity: We cannot provide the wallet service without your data.
• Legal Obligation: Regional financial regulations force us to monitor and log transaction activity.

Because we are not a bank or fintech, we must share data with third parties to function:

• Banking and Fintech Partners: Regulated clearinghouses, mobile money operators, and partner banks in Nigeria, Ghana, and Kenya.
• Crypto Liquidity Providers: Regulated platforms executing fiat-to-crypto swaps.
• Law Enforcement: Regulatory bodies, if required by active financial legislation or court orders.

Note: We do not control independent external websites linked in our app. Review their standalone policies before interacting with them.

We maintain administrative, physical, and technical safeguards (including data encryption and firewalls) to protect your records.

We hold onto data only as long as your wallet is active. If you close your account, your data is retained on servers to satisfy strict regulatory audit periods, fraud monitoring timelines, and local limitation laws.

Under African data protection laws, you possess enforceable rights over your data:

• Access & Portability: Request copies of your processed personal data.
• Rectification: Correct inaccurate or outdated account profile details.
• Erasure ("Right to be Forgotten"): Ask us to clear data if legal retention periods expire.
• Withdrawal of Consent: Remove your permission for processing at any moment.

We use cookies to log your account session, remember preferences, and analyze app traffic.

Disabling cookies via browser settings may prevent parts of our platform from loading correctly.

We update this policy occasionally to match changing operational models or laws. We will place any updates directly on this page. If material updates change your rights, we will notify you using clear web banners or targeted emails.

For questions regarding your privacy, contact our support team at support@gorapayapp.com.