Last Updated: October 2025

At Pedi, your privacy and security are our top priorities. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our app, website, and services (collectively, the “Platform”). By creating an account or using Pedi, you agree to the practices described in this Policy. Please read it carefully.

1. Information We Collect

We collect information to help us provide secure, efficient, and personalized financial services. This includes:

a. Personal Information

When you sign up or verify your account, we may collect:

• Full name
• Email address
• Mobile number
• Date of birth
• Identification documents (e.g., NIN, BVN, or valid ID)
• Residential address

b. Financial Information

To enable transactions, we may collect:

• Linked bank account details
• Transaction history and payment records
• Wallet balance information

c. Device and Technical Information

We automatically collect:

• Device type, model, and operating system
• IP address and geolocation (for security)
• App usage data and crash logs

d. Contact Information (with permission)

If you enable contact syncing, Pedi will access your contact list only to identify which contacts are registered Pedi users. We do not store or share your contact data outside this purpose.

2. How We Use Your Information

We use your data to:

• Create and manage your Pedi account.
• Verify your identity (KYC).
• Facilitate transactions (send, receive, or request money).
• Provide customer support and resolve disputes.
• Improve app performance and user experience.
• Notify you of updates, offers, or security alerts.
• Comply with financial regulations and anti-fraud obligations.

We never sell your personal or financial information to third parties.

3. Sharing of Information

We may share your data only in these cases:

• With your consent (for linked accounts or referrals).
• With financial partners (such as payment processors and banks) to complete transactions.
• With regulators or authorities if required by law (e.g., EFCC, CBN).
• With service providers who help operate Pedi (e.g., cloud hosting, analytics, or customer support tools).

All partners and vendors are contractually bound to handle your data securely and confidentially.

4. Security of Your Information

We apply strict security measures to protect your information, including:

• End-to-end encryption of transactions.
• Secure data storage using bank-grade protocols.
• Two-Factor Authentication (2FA) for account access.
• Regular security audits and threat monitoring.

Despite these efforts, no digital platform is completely immune from risks. You are encouraged to use strong passwords, enable 2FA, and never share your payment PIN.

5. Retention of Information

We retain your personal and financial data only as long as necessary to:

• Provide our services.
• Meet legal or regulatory requirements.
• Resolve disputes or enforce our Terms.

Afterward, data is securely deleted or anonymized.

6. Your Rights

You have the right to:

• Access and update your personal data.
• Request correction or deletion of inaccurate data.
• Withdraw consent for non-essential data processing.
• Request a copy of your stored information.

To exercise these rights, contact privacy@pediapp.com.

7. Cookies and Tracking

Pedi may use cookies and similar technologies to:

• Improve app functionality and navigation.
• Measure performance and usage patterns.
• Personalize your experience.

You can manage or disable cookies in your browser settings.

8. Third-Party Links

Our platform may contain links to third-party websites or services. Pedi is not responsible for the privacy practices of those sites. Please review their privacy policies before sharing any information.

9. Changes to This Policy

We may update this Privacy Policy periodically to reflect new features, legal requirements, or security improvements. We will notify you of major updates via the app or email.