Rayo Legal

Privacy Policy

Rayo uses account, payment, verification, and device information to operate secure customer and vendor services. This page explains what we collect, why we collect it, and how we protect it.

What this policy covers

This Privacy Policy explains how Rayo collects, uses, shares, and protects information when you use the Rayo mobile app, the Rayo website, and related customer and vendor services.

By creating an account or continuing to use Rayo, you acknowledge the data practices described in this policy.

Information we collect

We collect information you provide directly when you register, fund your wallet, apply as a vendor, contact support, or use any bill payment or reseller feature.

Identity details such as your name, email address, phone number, date of birth, and gender.
Verification and compliance details such as BVN, account verification status, and vendor KYC information.
Wallet, transaction, funding, and settlement information needed to process payments, vendor payouts, and account activity.
Device and usage information such as session activity, app interactions, IP address, and security events used to protect the platform.

How we use your information

Rayo uses your information to operate the platform, verify accounts, prevent abuse, and deliver the services you request.

To create and manage your account.
To process airtime, data, electricity, cable, wallet funding, and vendor payout activity.
To verify identity, satisfy compliance requirements, and review vendor onboarding submissions.
To send product notices, verification codes, password reset codes, receipts, and account alerts.
To investigate fraud, secure the app, and improve performance and support.

When we share information

We share information only where it is necessary to operate the service, comply with law, or protect the platform and its users.

With payment, banking, KYC, and infrastructure providers that help us process transactions and verification flows.
With service vendors and contractors who support hosting, communications, analytics, and fraud prevention.
When required by law, regulation, court order, or a valid request from a competent authority.
When necessary to enforce our Terms of Service, prevent harm, or protect Rayo, our users, or the public.

Security and retention

We use reasonable technical and operational safeguards to protect account data, credentials, and transaction records. No method of storage or transmission is completely risk free, but we work to reduce risk and monitor for misuse.

We retain information for as long as needed to provide the service, meet legal and regulatory requirements, resolve disputes, enforce our agreements, and maintain accurate financial records.

Your choices

You may review certain profile details in the app. Some identity and KYC details are intentionally locked after registration or vendor submission for fraud prevention and compliance reasons.

If you believe data is inaccurate or you have questions about privacy handling, use the support options available through Rayo.

Changes to this policy

We may update this Privacy Policy from time to time. When changes are material, we may update the in-app experience, website, or related notices. Continued use of Rayo after an update means the revised policy applies.