Data Retention
How long we keep your personal data and the reasons for our retention periods.
We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by law:
| Data Category | Retention Period | Reason |
|---|---|---|
| Account Data (name, email, phone, username) | Until you request account deletion | Required for ongoing service delivery |
| Transaction Records | As required by Nigerian financial regulations (minimum 5 years) | CBN regulatory compliance, AML/CTF obligations |
| API Logs | 30 days (automatically deleted) | Service monitoring and debugging |
| Activity & Notification Logs | 12 months, then anonymised or deleted | Security audits and service improvement |
| Device Tokens | Until you uninstall the app or disable notifications | Push notification delivery |
When data is no longer needed, it is securely deleted or irreversibly anonymised.