Last updated: 21 July 2026
Privacy Policy
Kay's Pay ("we", "us", "our") provides a mobile app for buying airtime, data, bills, exam pins, foreign phone numbers, eSIMs, verifying NIN/BVN details, and funding/withdrawing from an in-app wallet. This policy explains what information we collect, why, and how it's protected.
1. Information We Collect
To provide these services, we collect:
- Account details: full name, email address, phone number.
- A PIN you set for authorizing transactions — stored only as a secure hash, never in plain text; biometric unlock data never leaves your device.
- Transaction records: what you bought, amounts, recipients' phone numbers, timestamps, and status.
- NIN or BVN numbers, and the identity details returned by verifying them (name, date of birth, gender, phone number, and photo on file), only when you use the NIN/BVN Services or bank-transfer wallet funding features and only for that purpose.
- Contacts on your device, only if you grant permission and only to let you pick recipients for bulk airtime/data sends — we do not upload your full address book anywhere.
- A profile photo, if you choose to upload one.
- Basic technical information needed to operate the app reliably (device type, app version, and error logs).
2. How We Use Your Information
- To process the purchases and transfers you request, and to credit/debit your wallet accordingly.
- To verify your identity where required (e.g. bank-transfer wallet funding, NIN/BVN verification services), consistent with Nigerian KYC requirements.
- To detect and prevent fraud, and to investigate disputed transactions.
- To provide customer support when you contact us.
- To show you your own transaction history and account details within the app.
3. Who We Share Information With
We never sell your personal information. We share only what's necessary, with the specific providers required to fulfil the service you requested:
- Payment processors (Paystack, Flutterwave) — for wallet funding, withdrawals, and bank account verification.
- Airtime/data/bills/exam-pin providers (VTU.ng, VTUAfrica) — to deliver the specific product you purchased to the recipient number you provide.
- Identity verification providers (Prembly, CheckMyNINBVN) — only when you use NIN/BVN verification or update services, to check your NIN/BVN against official records.
- Foreign number and eSIM providers (GrizzlySMS, Airalo) — to deliver those specific services.
- Regulators or law enforcement, only where legally required to do so.
These providers only receive the minimum information needed to complete your specific request — for example, an airtime provider never sees your NIN, and a NIN verification provider never sees your transaction history.
4. Data Retention
We keep your account and transaction records for as long as your account is active, and afterward for as long as Nigerian financial recordkeeping and tax regulations require. NIN/BVN verification results are cached for 24 hours to avoid re-charging you for repeat checks, then only the historical transaction record remains.
5. Your Rights
You can ask us to access, correct, or delete your personal information, or ask questions about how it's used, by contacting us at support@kayspay.com.ng. Some information (such as completed transaction records) may need to be retained even after a deletion request, where required by Nigerian financial regulation.
6. Security
Passwords and PINs are never stored in plain text. Every transaction requires a fresh PIN or biometric confirmation. Wallet balances and provider credentials are handled entirely on our servers — the app itself never has direct access to move money without that step-up confirmation. No method of transmission or storage is 100% secure, but we apply industry-standard practices throughout.
7. Children's Privacy
Kay's Pay is a financial service intended for users who are at least 18 years old. We do not knowingly collect information from anyone under 18.
8. Changes to This Policy
We may update this policy as the app's features change. Material changes will be reflected with a new "Last updated" date above, and significant changes will be highlighted in the app.
9. Contact Us
Questions about this policy or your data can be sent to support@kayspay.com.ng.
Terms of Service
These Terms of Service ("Terms") govern your use of the Kay's Pay app. By creating an account or using the app, you agree to these Terms.
1. Eligibility
You must be at least 18 years old and legally capable of entering into binding contracts in Nigeria to use Kay's Pay. You are responsible for providing accurate registration information and for keeping your PIN and device secure.
2. Our Services
Kay's Pay lets you, subject to available balance and provider availability:
- Buy airtime, data bundles, TV subscriptions, electricity, and exam pins.
- Fund foreign/virtual phone numbers.
- Purchase travel eSIMs.
- Verify NIN/BVN details, and submit NIN correction requests to NIMC via our provider.
- Fund your in-app wallet and withdraw to a linked bank account.
3. Wallet, Fees, and Charges
Your wallet balance reflects funds you have added, minus completed purchases, plus any refunds. Where a purchase includes a service fee, the fee is shown to you before you confirm. Prices for identity verification and NIN update services are shown before you confirm and may change from time to time.
4. Failed Transactions and Refunds
If a purchase cannot be completed by the provider, the amount debited for that specific purchase is automatically refunded to your wallet — you do not need to request it. Reviewed orders (such as NIN validation/correction requests) that are rejected by NIMC are refunded once the rejection is confirmed. You can see the outcome and reason for any transaction in your Transaction History.
5. Your Responsibilities
- Provide accurate recipient details (phone numbers, account numbers, NIN/BVN) — we are not responsible for funds sent to a recipient number you entered incorrectly.
- Keep your PIN, device, and biometric access secure. You are responsible for transactions authorized from your account.
- Use the app only for lawful purposes. You may not use Kay's Pay for fraud, money laundering, or to circumvent any provider's or regulator's rules.
6. Service Availability
We work with third-party providers (banks, telecoms, identity verification services) to deliver these features, and their availability is not entirely within our control. We aim for reliable service but do not guarantee uninterrupted access, and we are not liable for delays or failures caused by a third-party provider, provided any resulting debit is refunded as described above.
7. Account Suspension
We may suspend or close an account that we reasonably believe is being used fraudulently, for money laundering, or in violation of these Terms, and may report such activity to relevant authorities as required by law.
8. Limitation of Liability
To the extent permitted by Nigerian law, Kay's Pay is not liable for indirect or consequential losses arising from use of the app, except where such loss results from our own fraud or gross negligence.
9. Governing Law
These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute will first be addressed through our customer support channel before other resolution steps.
10. Changes to These Terms
We may update these Terms as our services evolve. Continued use of the app after an update means you accept the revised Terms.
11. Contact Us
Questions about these Terms can be sent to support@kayspay.com.ng.