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UNIFINA PRIVACY POLICY

Effective Date: February 28, 2026 | Last Updated: February 28, 2026

Unifina Limited ("Unifina," "we," "us," or "our") respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, store, share, and protect your information when you use our website www.unifina.com.ng, our mobile applications, and related services (collectively, the "Services").

By using our Services, you agree to the practices described in this Privacy Policy.

1. WHO WE ARE

Unifina Limited
Website: www.unifina.com.ng
Email: support@unifina.com.ng

Unifina is a financial technology company. We provide a platform that enables users to initiate payments, transfers, airtime purchases, bill payments, and related services through third-party service providers.

2. INFORMATION WE COLLECT

We collect information in the following ways:

2.1 Information You Provide to Us

When you create an account or use our Services, you may provide:

  • Full name
  • Phone number
  • Email address
  • Date of birth
  • Address (where required)
  • Login credentials
  • Any information you submit to customer support
  • Transaction details (e.g., recipient phone number, account number, bill reference)

2.2 Identity Verification (KYC) Information

Where required for compliance, fraud prevention, or partner requirements, we may collect:

  • BVN and/or NIN (where applicable)
  • Government-issued ID details (e.g., NIN slip, driver's license, international passport, voter's card)
  • Selfie or facial verification
  • Proof of address documents
  • Any other information required to verify your identity

Identity verification may be conducted through third-party verification providers.

2.3 Transaction and Financial Information

Depending on the services you use, we may collect:

  • Transaction history
  • Payment references
  • Transfer details
  • Wallet or savings activity
  • Device and session information related to transactions
  • Fraud detection and risk indicators

Important: Unifina does not store full card details. Payment processing is handled by third-party processors.

2.4 Information Collected Automatically

When you use the Services, we may automatically collect:

  • IP address
  • Device type and model
  • Operating system version
  • App version
  • Browser type
  • Location data (approximate, based on IP or device settings, if enabled)
  • Log data (pages visited, actions taken, timestamps)
  • Cookies and similar tracking technologies (for website use)

3. HOW WE USE YOUR INFORMATION

We use your information for the following purposes:

3.1 To Provide and Operate the Services

Including to:

  • Create and manage your account
  • Process transactions and transfers
  • Deliver airtime, data, and bill payment services
  • Enable savings-related features
  • Provide transaction notifications and receipts

3.2 To Verify Identity and Prevent Fraud

Including to:

  • Perform KYC verification
  • Detect suspicious or unauthorized activity
  • Prevent fraud, scams, and identity theft
  • Enforce our Terms of Service and policies

3.3 To Improve the Services

Including to:

  • Fix bugs and improve user experience
  • Monitor platform performance
  • Conduct analytics and product improvements

3.4 To Communicate With You

Including:

  • Service updates
  • Security alerts
  • Support responses
  • Verification requests
  • Transaction-related messages

3.5 To Comply With Legal Obligations

Including:

  • Compliance with applicable Nigerian laws and regulations
  • Responding to lawful requests from regulators, law enforcement, or courts
  • Keeping records required for audit and compliance purposes

4. LEGAL BASIS FOR PROCESSING (NIGERIA)

We process your information where:

  • You have given consent (e.g., marketing, cookies where required)
  • Processing is necessary to provide the Services
  • Processing is necessary to comply with legal obligations
  • Processing is necessary for fraud prevention and security
  • Processing is in our legitimate business interests, provided those interests do not override your rights

5. HOW WE SHARE YOUR INFORMATION

We do not sell your personal data.

However, we may share your information with trusted third parties where necessary to provide the Services.

5.1 Payment Processing Partners

Unifina uses third-party payment processing partners. When you make payments or initiate certain transactions, relevant information may be shared with these partners for processing.

This may include:

  • Transaction amount
  • Payment reference
  • Device and risk signals
  • Required payer information

5.2 Identity Verification Providers

Unifina uses third-party verification providers to perform identity verification and fraud checks.

This may include:

  • Name
  • Date of birth
  • BVN/NIN (where applicable)
  • ID documents
  • Selfie verification
  • Address verification data

5.3 Airtime, Data, and Bill Payment Providers

Airtime purchases, data purchases, and bill payment services may be delivered through third-party providers. We may share transaction details required to complete these services.

5.4 Banking and Transfer Partners

Transfers may be executed through banking rails and partner providers. We may share:

  • Recipient account details
  • Transaction references
  • Sender details where required

5.5 Service Providers

We may share information with service providers who support our operations, such as:

  • Hosting and cloud providers
  • Analytics providers
  • Customer support tools
  • Communication providers (email/SMS)

These providers are authorized to use your information only as needed to provide services to Unifina.

5.6 Legal and Regulatory Disclosure

We may disclose information if required to:

  • Comply with law or regulation
  • Respond to lawful requests
  • Prevent fraud or security incidents
  • Protect Unifina, our users, and the public

5.7 Business Transfers

If Unifina is involved in a merger, acquisition, or asset sale, your information may be transferred as part of that transaction, subject to applicable privacy laws.

6. DATA RETENTION

We retain your personal information only for as long as necessary to:

  • Provide the Services
  • Comply with legal and regulatory obligations
  • Resolve disputes
  • Enforce our agreements
  • Maintain accurate business and audit records

Retention periods may vary depending on the type of data and legal requirements.

7. SECURITY OF YOUR INFORMATION

We take reasonable technical and organizational measures to protect your information, including:

  • Encryption where appropriate
  • Access controls and authentication
  • Monitoring for suspicious activity
  • Secure storage practices
  • Internal confidentiality obligations

However, no method of transmission or storage is 100% secure. You are responsible for keeping your account credentials confidential.

8. YOUR RIGHTS AND CHOICES

Subject to applicable Nigerian law, you may have the right to:

  • Request access to your personal information
  • Request correction of inaccurate information
  • Request deletion of your information (where legally permissible)
  • Object to certain processing
  • Withdraw consent (where processing is based on consent)

To exercise your rights, contact us at support@unifina.com.ng.

Note: Some requests may be refused where retention is required for compliance, fraud prevention, or legal obligations.

9. COOKIES AND TRACKING TECHNOLOGIES

We may use cookies and similar technologies on our website to:

  • Improve website performance
  • Remember preferences
  • Understand how users interact with our site
  • Provide analytics and security monitoring

You can manage cookies through your browser settings.

Where required by law, we will request consent for non-essential cookies.

10. MARKETING COMMUNICATIONS

We may send you marketing communications about Unifina features, promotions, or updates.

You can opt out of marketing communications at any time by:

Even if you opt out, we may still send essential service-related communications (e.g., transaction alerts, security notices).

11. CHILDREN'S PRIVACY

Our Services are not intended for children under 18. We do not knowingly collect personal data from children.

If we become aware that a child has provided personal information, we will take steps to delete it.

12. INTERNATIONAL DATA TRANSFERS

Unifina currently operates in Nigeria.

However, some of our partners or service providers (such as hosting, analytics, or payment processing providers) may store or process information outside Nigeria.

Where data is transferred internationally, we take reasonable steps to ensure appropriate safeguards are in place.

13. THIRD-PARTY LINKS AND SERVICES

Our Services may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties.

We encourage you to review their privacy policies before providing information.

14. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time.

When we do:

  • We will update the "Last Updated" date
  • We may notify you via the Services or other reasonable methods

Your continued use of the Services after changes means you accept the updated Privacy Policy.

15. CONTACT US

If you have questions, complaints, or requests regarding this Privacy Policy, contact us at:

Unifina Limited
Website: www.unifina.com.ng
Email: support@unifina.com.ng