QorePay

    Privacy & Cookie Policy

    Version 1.0 · Effective Date: 1 January 2026 · Last Updated: 1 January 2026

    QorePay Technology Solutions Limited, referred to as "QorePay," "Company," "we," "us," or "our," provides digital payment solutions platform and support service. Our services enable businesses to make or collect payment conveniently online and at physical retail locations. This Privacy and Cookie Policy ("Privacy Policy") outlines how we collect, use, store, disclose, transmit, erase, and safeguard your data and personal information as Website Visitors, Customers, and/or Vendors ("Data Owners") who engage with our services. This Privacy Policy applies to our website, related sites, applications, POS Terminals, services, and tools collectively referred to as "Services."

    QorePay Services primarily target and serve businesses and organizations ("Subscribers") rather than individual consumers. We generally process personal data on behalf of Subscribers as a service provider or "Data Processor." However, we do not control or assume responsibility for the privacy practices of these Subscribers. If you are a Customer of a QorePay Subscriber, we encourage you to review the Subscriber's Privacy Policy and address any privacy inquiries directly to the Subscriber.

    In accordance with the NDPR and other applicable Data Protection Regulations, by accessing or using any portion of our Services, you acknowledge and consent to the following terms outlined in this Privacy Policy:

    • The collection of your personal data within QorePay's system
    • The processing of your personal data within QorePay's system
    • The sharing of your personal data with third parties
    • The storage of your personal data within QorePay's system

    Definitions

    • Account means a QorePay Account.
    • Personal Information/Data Any information that can be used to identify a living person including email address, company name, password, payment card, financial information such as bank account number, etc., Government-issued Identity card, Bank Verification Number (BVN) and/or taxpayer-identification it may also include anonymous information that is linked to you, for example, your internet protocol (IP), log-in information, address, location, device or transaction data.
    • QorePay means QorePay Technology Solutions Limited and subsidiaries or affiliates.
    • QorePay Services means to provide an online payment platform and a Point-of-Sale (POS) Terminal deployment and support service on its website, related sites, applications, POS Terminals, services, tools.
    • User means an individual who uses the Services or accesses the Sites and has agreed to use the end services of QorePay.

    What Data Do We Collect and How Do We Collect Them?

    We collect information through multiple channels and methods, encompassing data you provide directly, data collected automatically, information obtained from third-party sources, and data derived or generated from other sources.

    Directly Provided Personal Data

    • We collect and process data when you register and activate a QorePay account on the QorePay service platform(s) and use or view our website via your browser's cookies.
    • We may collect information about you that is personally identifiable like your contact information, your name, address, email address, phone number, date of birth, BVN, gender, debit card details, bank information, and other information we deem necessary.
    • We may collect information through communications when you contact us directly, for example, with an inquiry or a support request.
    • We may also collect and use payment information when you make a purchase such as when you checkout with QorePay on a subscriber's website or make a payment using our Point of Sales (POS) Terminal.

    Automatically Collected Personal Data

    • We automatically receive information about your interactions with our services, including records of your transactions and information about your other activities.
    • We may collect information about the device and software you use to access our services, including Internet Protocol (IP) address, web browser type, operating system version, and device identifiers.
    • We may collect information about your location when you use our services.

    Personal Information Received from Third Parties

    • We may also collect and use the information received from third parties such as family, solicitors, friends, or employers, website/social media pages made public by you, government agencies, regulators, supervisory or credit agencies.
    • We may get additional personal data about you from other identification/verification services such as your financial institution and payment processor.
    • We may receive personal data or information from publicly available sources.

    Sharing of Personal Data

    At QorePay, personal data is not sold, traded, or rented to anyone. We will not share or disclose your personal data with a third party without your consent except as necessary to provide the services or as described in this Privacy Policy.

    • We may share your contact information with Subscribers as part of your purchase details for record purposes.
    • We share personal data with vendors or agents working on our behalf for the purposes described in this statement.
    • When you provide payment data, we will share payment and transactional data with banks and other entities as necessary for payment processing, fraud prevention, credit risk reduction, or other related financial services.
    • We enable access to personal data across our subsidiaries, affiliates, and related companies.
    • We may disclose personal data as part of a corporate transaction or proceeding such as a merger, financing, acquisition, bankruptcy, dissolution, or a transfer, divestiture, or sale of all or a portion of our business or assets.
    • We may access, disclose, and preserve personal data in accordance with applicable law.

    What Are Your Data Protection Rights?

    QorePay would like to make sure you are fully aware of all your data protection rights. Every user is entitled to the following:

    • The right to access - You have the right to request QorePay for copies of your personal data.
    • The right to rectification - You have the right to request that QorePay correct any information you believe is inaccurate.
    • The right to deletion - You have the right to request that QorePay delete or erase your personal data, under certain conditions.
    • The right to restrict processing - You have the right to request that QorePay restrict the processing of your personal data under certain conditions.
    • The right to object to processing - You have the right to object to QorePay's processing of your personal data, under certain conditions.
    • The right to data portability - You have the right to request that QorePay transfer the data that we have collected to another organization, or directly to you, under certain conditions.
    • Right to be informed about appropriate safeguards in the place where data is transferred abroad.
    • Right to object to automated decision-making and processing.
    • Right to revoke consent.
    • Right to object to direct marketing.
    • Right to submit a complaint to the National Information Technology Development Agency (NITDA).

    All requests will be reviewed and answered by the officer in charge of Data Protection at QorePay within a 30-day period.

    What Are Cookies?

    Cookies are small text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our websites, we may collect information from you automatically through cookies or similar technology.

    How Do We Use Cookies?

    QorePay uses cookies in a range of ways to improve your experience on our website, including:

    • Keeping you signed in
    • Understanding how you use our website and save time when next you visit

    How to Manage Cookies

    QorePay users can decline cookies by modifying their browser settings. If a user opts out of receiving cookies, the user may not be able to fully experience the interactive features of the QorePay Service(s).

    Grounds for Processing Personal Data

    The processing of Personal Information by QorePay shall be lawful where at least one of the following applies:

    • The Data Owner has given consent to the processing of his/her Personal Information for one or more specific purposes.
    • The processing is necessary for the performance of a contract to which the Data Owner is party.
    • Processing is necessary for compliance with a legal obligation to which QorePay is subject.
    • Processing is necessary in order to protect the vital interests of the Data Owner or of another natural person.
    • Processing is necessary for the performance of a task carried out in the public interest.

    Transfer of Personal Data

    Our service provision includes where we may rely on third-party servers and databases co-located with hosting providers which are residents in foreign jurisdictions. We take steps designed to ensure that the data we collect under this Privacy Policy is processed and protected according to the provisions of this Policy and applicable law wherever the data is located.

    Where personal data is to be transferred to another country, QorePay shall put adequate measures in place to ensure the security of such personal data. Any transfer of personal data will be in accordance with the provisions of relevant data protection regulations.

    Storage Limitation

    QorePay will retain your information for the following periods:

    • As long as reasonably necessary for the purpose of providing our services to you.
    • For the duration your account is active, we have your consent.
    • For the period needed to comply with our legal and statutory obligations.
    • As needed to verify your information with a financial institution.
    • QorePay is statutorily obliged to retain the data you provide to process transactions, ensure settlements, make refunds, identify fraud, and comply with applicable laws and regulatory guidelines.

    Links - Privacy Policies of Other Websites

    QorePay website may contain links to other websites. This privacy policy applies only to our website, so if you click on a link to another website, we encourage you to read their privacy policy.

    Communities and Forums

    Any personally identifiable information that you disclose through any message boards, or chat windows on this QorePay service(s) may be collected and used by others. We recommend caution when giving out information to others.

    Security Commitment

    We employ appropriate technical and organizational security measures to prevent unauthorized access to information that we collect online. In the unlikely event of such an occurrence; if we determine that such a breach poses a threat to your rights and freedoms, we will notify you of the breach and all steps we have taken to ensure that your information remains secure and private.

    We implement access control measures, security protocols, and standards including the use of encryption and firewall technologies in compliance with the Payment Card Industry Data Security Standard (PCI DSS Requirements). This is to ensure your card information is safe and secure on our servers.

    Two-factor authentication ("2FA") is an additional layer of security. When 2FA is enabled, you will be required to enter a One Time Password (OTP) which is a verification code we have sent to you for authentication purposes, each time you checkout using QorePay on a subscriber's website or platform.

    Access and Control of Information

    You can access, edit, and delete some information that we collect and process about you. For example, you can edit and update personally identifiable information including your name, email address, phone number, etc. We want to ensure that your personal information is accurate and up to date. If the information that you have provided changes, please let us know by sending an email to hello@qorepay.com.

    Business or Asset Transfer or Sale

    We may choose to acquire or sell business assets of our business or merge with another business. In such transactions, information obtained from you is generally one of the transferred business assets. In the event of such a transfer, we will make reasonable efforts to provide notice on the QorePay Service(s) and to notify you of any change in ownership or control of your personal information.

    Changes to This Policy

    We keep our privacy policy under regular review and place any updates on this webpage. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the personal information that we collect.

    Conditions of Use

    By registering on the QorePay Service(s), you signify your acceptance of this policy and the QorePay Services' Terms and Conditions of Use. If you do not agree to this policy, please do not use the QorePay Service(s). Your continued use of the QorePay Service(s) following the posting of changes to this policy will be deemed your acceptance of those changes.

    QorePay Service(s) Access

    In order to access the QorePay Service(s) and all its features, you must register and activate a QorePay Wallet, which will provide you with full access to the QorePay service(s).

    Children under the age of 18 are not permitted to register or use the QorePay Service(s) or any functionality contained in it.

    How to Contact Us

    If you have any questions about QorePay's privacy policy, the data we hold on to you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us via email at: hello@qorepay.com