Privacy Policy
Last updated 19 August 2026
This policy explains what GenEx Pay does with your personal information: what we collect, why we hold it, who sees it, and what you can ask us to do about it.
What we collect
- Who you are. Your name, date of birth, phone number, email address, and the identity details you give us at verification.
- How you use the app. Your transactions, the balances you hold, the beneficiaries you save, and the devices you sign in from.
- Technical information. Your device model, app version, and the network address a request arrives from, which is what lets us spot an account takeover.
- What you tell us. The messages you send our support team and anything you attach to them.
Why we hold it
- To run your account and settle your money. We cannot pay a bank account we do not know.
- To verify your identity and to meet the legal obligations that come with handling money.
- To keep your account safe, including spotting a sign-in that does not look like you.
- To answer you when you get in touch.
- To improve the product, using information about how the app is used.
We do not sell your personal information, and we do not share it for anyone else's marketing.
Who we share it with
- The banks and payment processors that move your money, with only what a payment needs.
- The verification providers that confirm your identity documents.
- Regulators, law enforcement, and courts, where the law requires it of us.
- The service providers that host and run our systems, under contracts that hold them to this policy.
Where it is kept, and for how long
Your information is stored on servers we control access to, and it may be processed outside Nigeria by the providers above. We keep account and transaction records for as long as we are required to after an account closes, and we delete or anonymise what we no longer need.
How we protect it
Sensitive fields are encrypted where they are stored. Your PIN is never stored in a form anyone can read, including us. Access to customer information is limited to the staff whose work requires it, and that access is logged.
Your rights
You can ask us to show you the information we hold about you, correct it if it is wrong, delete what we are not required to keep, or stop using it for a particular purpose. Write to support@genxpay.com.ng and we will answer.
Cookies and tracking
The app does not use advertising trackers. We use notifications only for the categories you have turned on, and you can change those at any time in the app under Notifications.
Changes
If this policy changes, the current version is always the one in the app, and we will tell you before a material change takes effect.
Contact
Write to support@genxpay.com.ng with anything about this policy or about your information.