1. Introduction
Smenpay is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our money transfer and escrow services.

2. Information We Collect
We may collect the following types of information:
- Personal Information: Name, email address, phone number, date of birth, government-issued ID.
- Financial Information: Bank account details, transaction history, payment method.
- Usage Data: Device information, IP address, browser type, access times, and pages viewed.
- KYC Documents: Identity verification documents submitted during registration.

3. How We Use Your Information
We use your information to:
- Facilitate secure money transfers and escrow transactions.
- Verify identity and comply with KYC/AML regulations.
- Provide customer support and resolve disputes.
- Improve our services and user experience.
- Communicate updates, promotions, and legal notices.

4. Sharing Your Information
We do not sell your personal information. We may share data with:
- Payment processors to complete transactions.
- Third-party service providers for analytics, hosting, and support—under strict confidentiality agreements.

5. Data Security
We implement industry-standard security measures including:
- SSL encryption
- Secure server infrastructure
- Access controls and authentication
However, no method of transmission over the internet is 100% secure.

6. Data Retention
We retain your data as long as your account is active or as needed to comply with legal obligations. You may request deletion of your data by contacting us.

7. Your Rights
You have the right to:
- Access and review your personal data.
- Request corrections or deletions.
- Withdraw consent for data processing (where applicable).

8. Cookies and Tracking
We may use cookies to enhance your experience. You can disable cookies in your browser settings, but some features may not function properly.

9. Third-Party Links
Our platform may contain links to third-party websites. We are not responsible for their privacy practices.

10. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on our website with the updated date.

11. Contact Us
For privacy-related inquiries, contact:  
📧 support@smenpay.com  
📞 +234 8032062796