Privacy Policy

1. Information We Collect

• Personal and financial information for wallet and payment functionality (e.g., deposits, withdrawals, transfers).
• Call and messaging metadata for billing and service delivery (message/call content is end-to-end encrypted).
• KYC/BVN verification data for compliance and fraud prevention.
• Location information for location-based services, such as displaying nearby merchants in FlowHub.

2. How We Use Your Information

• To process wallet transactions, call charges, subscriptions, and crypto transactions.
• To provide and improve FlowAfric services.
• To maintain transaction history, call logs, and account records.
• To provide location-based merchant and service recommendations.

3. Data Security

• All sensitive data (wallet balances, KYC, transaction records) are encrypted both in transit and at rest.
• Data is stored securely and protected against unauthorized access.

4. User Consent

By using FlowAfric, you consent to the collection and processing of your personal, financial, and location data as described in this policy.

5. Sharing & Third Parties

FlowAfric does not disclose your personal or financial information to third parties without consent, except as required by law.

6. Changes to Privacy Policy

• FlowAfric Ltd reserves the right to update this Privacy Policy at any time.
• Continued use of the app constitutes acceptance of the updated policy.