1. Information We Collect

We collect the following types of information:

• Name
• Email address
• Phone number
• Physical address
• Social media account information (if you use SocialBoost services)
• BVN (if you activate a virtual bank account)
• Age
• Gender
• Government-issued identification document (if you verify your account)
• Facial capture / selfie (if you verify your account)

1.2 Usage Data

We may collect information about how you use our Services, including:

• IP address
• Browser type
• Device type
• Pages visited
• Time and date of visit
• Time spent on pages

1.3 Cookies and Tracking Technologies

We use cookies and tracking technologies to improve user experience.

2. How We Use Your Information

We use your information to:

• Provide and improve our Services
• Process transactions
• Communicate with users
• Personalize experience
• Marketing (opt-out available)
• Maintain security and prevent fraud

2.1 Identity Verification (Government ID and Facial Data)

If you choose to verify your account, we collect your government-issued ID and facial capture/selfie.

This data is used strictly for identity verification and fraud prevention, including:

• Verifying your identity
• Matching your selfie with your government-issued ID
• Preventing fraud, impersonation, and unauthorized access
• Maintaining platform security and compliance

We do not use facial or identity data for advertising, marketing, profiling, analytics, tracking, or biometric identification.

We do not perform facial recognition or biometric identification.

All identity and facial data is processed and stored securely using encryption and industry-standard security safeguards.

We do not sell, share, or transfer this data to any third party.

We do not disclose this information except where required by law, regulation, court order, or valid government request.

We retain identity verification data only as long as necessary to:

• Comply with legal and regulatory obligations
• Prevent fraud and unauthorized activity
• Resolve disputes and investigations
• Enforce agreements
• Maintain platform security

After this period, data is securely deleted or anonymized.

3. How We Share Your Information

We only share information in limited cases:

3.1 Service Providers

• Payment processors
• Hosting providers
• Customer support platforms

3.2 Business Transactions

Data may be transferred in case of merger or acquisition.

3.3 Legal Requirements

We may disclose information if required by law or government request.

4. Data Retention

We retain personal data only as long as necessary for legal, regulatory, fraud prevention, security, and operational purposes.

Identity verification data is retained only as required for compliance, fraud prevention, dispute resolution, and legal obligations, then securely deleted or anonymized.

5. Security of Your Information

We use encryption, secure servers, and industry-standard security safeguards to protect personal and sensitive information, including identity verification and facial capture data.

5.1 Device Biometric Authentication

We support device-based biometric authentication such as fingerprint or Face ID login. This feature is handled directly by the user’s device operating system. We do not collect, store, or have access to biometric fingerprint or Face ID data used for device authentication.

6. Your Rights

You may access, update, or delete your data at any time.

7. Children's Privacy

We do not knowingly collect data from individuals under 18.

8. Changes to This Policy

We may update this Privacy Policy occasionally.

9. Contact Us

Email: info@jostpay.com
Address: JostPay Building, Lagos, Nigeria