VALAR GLOBAL SERVICES LIMITED (“ValarPay”) is committed to safeguarding your personal data and ensuring compliance with the Nigeria Data Protection Regulation (NDPR), Central Bank of Nigeria (CBN) guidelines, and all applicable data protection laws. This Data Protection Policy outlines how we collect, process, store, protect, and share your personal information.

1. Purpose of This Policy

This Policy ensures that all personal data handled by ValarPay is processed lawfully, securely, and transparently in accordance with regulatory requirements and international best practices.

2. Scope

This Policy applies to all users of the ValarPay mobile app, website, employees, partners, contractors, and third-party service providers who process personal data on behalf of ValarPay.

3. Lawful Basis for Processing

We process personal data under these legal bases:

• Consent
• Legal obligation (CBN, NDIC, AML/CFT)
• Contractual necessity
• Legitimate interest
• Vital interest

4. Data Protection Principles

ValarPay adheres to NDPR principles of:

• Lawfulness, fairness, and transparency
• Purpose limitation
• Data minimization
• Accuracy
• Storage limitation
• Integrity and confidentiality

5. Categories of Personal Data

We process the following types of personal data:

• Identification data (BVN, NIN, Passport, etc.)
• Contact information
• Financial/transaction data
• Biometric verification data
• Device and usage data
• KYC documents

6. Data Storage & Retention

Personal data is retained only for as long as necessary to deliver services or comply with legal and regulatory requirements. Sensitive financial records may be retained for 5–7 years per CBN/AML regulations.

7. Data Sharing

We share data only with:

• Licensed partner banks/payment providers
• KYC/identity verification vendors
• Regulators (CBN, NDIC, EFCC, NFIU)
• Security and fraud monitoring partners

Your data is never sold.

8. Your Rights

You may request to:

• Access your data
• Update/correct data
• Request deletion (where legally permissible)
• Restrict processing
• Withdraw consent

Contact: support@valarpay.com • 02013309609

9. Security Measures

We employ advanced security controls including encryption, authentication, fraud monitoring, PCI-DSS compliance, and periodic security audits to protect your data.

10. Data Breach Notification

In case of a data breach, ValarPay will notify affected users and regulatory authorities in accordance with NDPR and applicable laws.

11. Contact Us

VALAR GLOBAL SERVICES LIMITED

23, OGAGIFO STREET, OFF DBS ROAD, BEFORE GQ SUITES, ASABA, DELTA STATE.

Email: support@valarpay.com

Phone: 02013309609