Privacy Policy

1. What this covers

This policy describes the information GudMoney processes when you create an account, complete onboarding or KYC, use wallets, receive money, send transfers, pay supported bills, contact support, or browse this website. It is a framework for review and does not identify a legal entity, controller address, retention period, or jurisdiction that has not been verified in this project.

2. Information processed

• Account information: email address, phone number, password credentials and account identifiers.
• Profile and KYC information: name, date of birth, gender, BVN and identity-document details where you submit them for verification.
• Transaction information: wallet balances, currency, recipients, bank details, transfer amounts, bill-payment details, PIN-protected actions and transaction history.
• Technical information: IP address, browser and device information, request logs and authentication/session data processed by the application and its hosting/API infrastructure.
• Support information: messages and information you choose to provide when requesting help.
• Payment information: information required to complete a transfer or bill payment. The application does not document storage of full card details in this workspace.

3. How information is used

Information is used to create and secure accounts, provide wallets and transfers, verify identity, process bill payments, prevent misuse, respond to support requests, maintain service security, and meet applicable legal obligations where those obligations apply. The current project contains no analytics or advertising SDK.

4. Sharing and service providers

Information may be sent to the backend API, identity/KYC and payment or bill-service providers enabled by the service, infrastructure providers, and authorities where legally required. The specific provider, country, retention period and transfer safeguards must be confirmed by the business before publication.

5. Retention and security

Records are retained only for as long as needed for the stated purposes, account operation, dispute handling, security, or a legal obligation. The exact retention schedule and security controls require confirmation from the service operator. Do not reuse passwords or share your transaction PIN.

6. Your rights and contact

Depending on your location, you may have rights to access, correct, delete, restrict or receive a copy of your information, and to object or withdraw consent where consent is the basis. Contact the business through the support channel provided in the app or the verified privacy contact once one has been designated.

Contact details, controller identity, jurisdiction, international-transfer safeguards and complaint authority are placeholders for legal review and must be completed before launch.