Introduction

Nyra is committed to protecting the privacy of our users. This Privacy Policy explains how we collect, use, disclose, share, and safeguard your information across our App, APIs, Emails, and tools when you use them.

The use of “We,” “Us” Our” refers to the controller of your information under this policy. Mel-Fi Technology is the data controller responsible for your information within this policy.

As the user, you are solely responsible for every information you share with us while using our services.

Information We Collect

When using our services, you duly consent to the collection, transfer, storage, disclosure, and use of your information. We collect two types of information through the App:

• Personal Information: This includes information that can be used to identify you directly, such as:
  • Name
  • Email address
  • Phone number
  • Financial information (These includes BVN, passwords, and account number. They are collected only with your explicit consent and used solely for providing financial services)
  • Valid means of Identification (NIN, Driver’s license, or international Passport)
  • Passport photograph
• Non-Personal Information: This includes information that cannot be used to identify you directly, such as:
  • Device information (IP address, model, operating system, etc.)
  • Usage data (time spent on the App, features used)
  • Location data (collected only with your explicit consent and used only for specific features with your knowledge)

How We Use Your Information

We use the information we collect for the following purposes:

• To provide and improve the App and its features.
• To verify the information provided.
• To process your financial transactions (if applicable).
• To send you important information about the App, including updates, security alerts, and support messages.
• To personalize your experience within the App.
• To comply with legal and regulatory requirements.
• To detect and protect you against external breaches and possibly alert you of suspicious activities.
• To target advertisements, Newsletters, and service updates.

Sharing Your Information

We will not share your personal information with third parties without your explicit consent, except in the following limited circumstances: