The information we collect depends on the services you use and your relationship with LibertyPay.
3.1 Identity and Contact Information
We may collect:
- •Full name and other identifying details.
- •Telephone number and email address.
- •Residential or business address.
- •Date of birth and other information required to establish eligibility.
- •Photographs, identity documents and verification information where required.
- •Business registration details and information about agents or merchants.
3.2 Account Registration and Verification Information
Where applicable, we may collect information required to create, verify and maintain your account, including account identifiers, customer or agent identification numbers, verification results and Know Your Customer (KYC) information.
We may verify relevant information through authorised identity verification providers, financial institutions, payment partners or other legally permitted sources.
3.3 Financial and Transaction Information
When you use our payment and financial services, we may process:
- •Bank account details, wallet identifiers and other relevant payment credentials.
- •Transaction amounts, dates, times, references and statuses.
- •Transfers, deposits, withdrawals and payment history.
- •Airtime, data and bill payment records.
- •POS transaction information and settlement records.
- •Savings or Ajo records, where applicable.
- •Loan application, eligibility, repayment and related information where you use a loan service.
- •Refunds, reversals, disputes and chargeback information.
We do not intentionally collect or store complete payment card security credentials unless this is specifically required and legally permitted for an applicable service. Where payment processing is handled by a third party, that provider's own data handling practices may also apply.
3.4 Agent, Merchant and Business Information
If you register or operate as a LibertyPay agent, merchant or business customer, we may collect business details, business addresses, transaction and settlement records, commissions, operational records and information about authorised representatives.
Where applicable, we may also process information relating to POS terminal allocation, device registration, business activity and service usage.
3.5 Device and Technical Information
When you access our website, application or digital services, we may collect relevant technical information, including:
- •Device type, operating system and application version.
- •IP address and technical identifiers.
- •Login timestamps, session records and security logs.
- •Application performance, crash reports and diagnostic information.
- •Information about how you interact with our website or application.
We may use cookies or similar technologies on our website where applicable. Where consent is required, non-essential cookies or similar technologies will only be used after the appropriate consent has been obtained.
3.6 Location Information
We may collect or process location information where it is necessary for a particular service, security verification, fraud prevention, agent operations or another disclosed and lawful purpose.
Location information may be obtained from your device or provided directly by you. Where a service requires access to device location, we will request the relevant permission where required.
You can manage device-level location permissions through your device settings, although disabling them may affect services that depend on location.
3.7 Communications and Support Information
When you contact us, we may process your enquiries, complaints, feedback, correspondence, support tickets and information you provide to help us resolve an issue.
We may also retain relevant communication records for service quality, dispute resolution, security, compliance and record-keeping purposes.
3.8 Information From Third Parties
Where permitted by law, we may receive information from banks, payment processors, identity verification providers, merchants, service providers, fraud prevention partners, credit information providers and other authorised sources.
We use such information only for relevant purposes, including transaction processing, identity verification, fraud prevention, service delivery and legal or regulatory compliance.