ZamoraxPay

Privacy Policy

Last updated: 28 September 2026

ZamoraxPay ("we", "us", "our") is owned and operated by Zamorax Enterprises Limited (RC9678731), Apete, Ibadan, Oyo State, Nigeria. We provide an online platform for buying airtime, data, cable TV subscriptions, electricity tokens and exam PINs in Nigeria. This Privacy Policy explains what personal information we collect, why we collect it, how we use and share it, and the choices you have. We have tried to write it in plain language, because you should not need a lawyer to understand how your information is handled.

1. Information We Collect

  • Account information: your name, phone number and email address, which you give us when you sign up.
  • Transaction information: the services you buy, your wallet funding history, the phone, meter or smartcard numbers you enter for a purchase, and payment references.
  • Identity verification (resellers only): if you choose to upgrade to a reseller account, we collect your Bank Verification Number (BVN) only to confirm your identity and unlock wholesale limits. We keep a masked reference and the verification result, not your full BVN.
  • Device and usage information: your IP address, browser type, device type and general usage patterns. We collect these automatically to keep your account secure and to improve the service.
  • Communications: messages you send us by email, phone or WhatsApp, so we can help you and keep a record of what was agreed.
  • Cookies: small files that help the site work, described in our Cookie Policy.

2. How We Use Your Information

We use your information to:

  • create and manage your account;
  • process your purchases and deliver what you paid for;
  • fund your wallet, process refunds and keep accurate transaction records;
  • detect, prevent and investigate fraud and misuse;
  • send you receipts, transaction updates and important account notices;
  • respond to your questions and support requests;
  • run rewards such as cashback, referral bonuses and daily streaks;
  • improve, test and secure our platform; and
  • meet our legal, tax and accounting duties.

3. How We Share Information

We only share information where it is needed to run the service. We do not sell your personal information to anyone.

  • Payment processor: Korapay, to process your wallet funding payments.
  • Service providers: VTU and billing aggregators who deliver airtime, data, cable, electricity and exam PIN purchases. They receive only what they need to complete your order, such as the recipient number and amount.
  • Email provider: Resend, to send receipts and account emails.
  • Advertising partners: Google, as explained in section 4.
  • Legal and safety: where the law requires it, or where we need to protect our users, our platform or others from fraud and abuse.

4. Advertising and Google AdSense

We use Google AdSense to show ads on some public pages of our website, such as our blog. Ads are not shown inside your logged-in dashboard.

  • Google and its partners are third-party vendors. They use cookies to serve ads based on your previous visits to this and other websites.
  • Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our site and other sites on the internet.
  • You can opt out of personalised advertising by visiting Google Ads Settings. You can also visit aboutads.info to opt out of third-party vendors that use cookies for personalised advertising.
  • To learn how Google uses information from sites that use its services, visit Google's partner sites page.

5. How Long We Keep Your Information

We keep your account and transaction records for as long as your account is active. After that, we keep them for a reasonable period so we can meet legal, accounting and fraud-prevention duties, and then delete or anonymise them.

6. Your Rights

You can ask us to show you, correct or delete the personal information we hold about you, subject to our legal and record-keeping duties. You also have rights under the Nigeria Data Protection Act 2023, including the right to complain to the Nigeria Data Protection Commission if you believe your information has been mishandled. To make a request, contact us using the details in section 10.

7. Security

We protect your information with reasonable technical and organisational measures, including encrypted connections (HTTPS) and restricted internal access to sensitive data. No online service can promise perfect security, so please help us by keeping your password and transaction PIN private, using a strong password, and telling us immediately if you think your account has been compromised.

8. Children

ZamoraxPay is not meant for anyone under 18. We do not knowingly collect information from children. If you believe a child has given us personal information, please contact us and we will delete it.

9. Links to Other Websites

Our site may link to other websites, such as Zamorax Marketplace or advertiser pages. We do not control how those sites handle your information, so please read their privacy policies before sharing anything with them.

10. Contact Us

Questions or requests about this policy can be sent to:

Zamorax Enterprises Limited (RC9678731)
Apete, Ibadan, Oyo State, Nigeria
Email: [email protected]
Phone and WhatsApp: +234 707 647 9357

11. Changes to This Policy

We may update this policy from time to time. When we make important changes, we will update the "Last updated" date at the top of this page.