Privacy Policy

1. Who we are

Pouch is a data, airtime and bill payments app for Nigerians at pouche.lovable.app. This policy explains how we handle your personal information, in line with the Nigeria Data Protection Act 2023.

2. What we collect

• Account details: your email address and, if you use Google sign-in, your Google name and email.
• Identity details: your BVN, full name, phone number and date of birth.
• Bank details: the bank accounts you save for withdrawals.
• Transactions: your wallet funding, bill purchases and receipts.
• Security details: your PIN, stored only in a scrambled form that cannot be read back.
• Usage details: basic information about how you use the app, to keep it working and secure.

3. Why we use it

• To confirm your identity, as Nigerian financial rules require.
• To give you an account number, move your money and keep accurate records.
• To protect your account and prevent fraud.
• To answer your questions and tell you about important changes.

We do not sell your personal information, and we do not use it for advertising.

4. Who we share it with

• Payscribe, to check your BVN.
• Bachs, our licensed payment partner, to issue your account number and send withdrawals.
• Our hosting and database providers, who store data securely on our behalf.
• Regulators and law enforcement, only when the law requires it.

5. How we protect it

Your BVN and PIN are kept on our servers and are never shown in the app. All connections are encrypted. Only you can see your account, and money can only move through checks on our servers.

6. How long we keep it

We keep your information while your account is open. After it closes, we keep transaction and identity records for as long as Nigerian financial law requires, usually at least 5 years, then delete them.

7. Your rights

You can ask to see, correct or delete your information, or object to how we use it. Some records we must keep by law. You can also complain to the Nigeria Data Protection Commission.

8. Changes

We may update this policy. If the changes are important, we'll tell you in the app.

9. Contact us

Email olanrewajuagboola07@gmail.com or call 0916 322 8769.