Privacy Policy

1. Introduction

Welcome to PayOkuk – your trusted platform for airtime top-up, data purchase, utility bills, TV subscriptions, bookings, and document processing. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our services. By using PayOkuk, you agree to the terms outlined in this Privacy Policy.

2. Information We Collect

a. Personal Information:

  • Full name
  • Phone number
  • Email address
  • Date of birth
  • Identification details (e.g., NIN, driver’s license, etc.)

b. Transactional Data:

  • Payment details (excluding full card information)
  • Recharge and bill payment history
  • Booking and document processing requests

c. Device & Usage Information:

  • IP address
  • Device ID and browser type
  • Location data (with consent)
  • App usage patterns

3. How We Use Your Information

  • To deliver services and fulfill transactions
  • To verify your identity and prevent fraud
  • To communicate service updates or issues
  • To process payments and provide receipts
  • To improve platform performance and user experience
  • To comply with legal and regulatory requirements

4. Data Sharing & Disclosure

We do not sell or rent your personal information. However, we may share your information with:

  • Service Providers: For airtime, TV, utility payments, and document processing
  • Regulatory Bodies: When required by law
  • Technical Partners: For hosting, analytics, or security

All partners are bound by strict confidentiality and data protection obligations.

5. Your Rights

You have the right to:

  • Access and review your personal information
  • Request correction of inaccurate data
  • Withdraw consent or request data deletion (where applicable)
  • Lodge complaints with a data protection authority

To exercise any of these rights, contact us at support@payokuk.com.

6. Data Retention

We retain your information for as long as necessary to:

  • Fulfill the purpose it was collected for
  • Comply with legal, accounting, or reporting obligations
  • Resolve disputes and enforce agreements

7. Cookies & Tracking

We may use cookies and similar technologies to enhance your experience, analyze traffic, and remember preferences. You can adjust your browser settings to block cookies, but this may impact functionality.

8. Data Security

We implement strong technical and organizational measures to safeguard your data, including:

  • SSL encryption
  • Firewalls and intrusion detection
  • Role-based access control
  • Secure payment gateways (PCI-DSS compliant)

9. Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

10. Updates to This Policy

We may occasionally update this Privacy Policy. Any changes will be posted here with a revised "Effective Date." Your continued use of PayOkuk means you accept the updated terms.

11. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at: support@payokuk.com

Effective Date: 1 May 2025
Company Name: Kpe Okuk Solutions Limited
Website: https://payokuk.com