Privacy Policy

1. Introduction

Welcome to BRYT Pay.

BRYT Pay is a digital financial and utility services platform operated by BRYT Digital Services, a business registered in Nigeria.

We are committed to respecting your privacy, safeguarding your personal information, and maintaining transparency about how your information is collected, used, stored, shared, and protected.

This Privacy Policy explains our data-handling practices when you access or use BRYT Pay through our website, Android mobile application, or related services.

We process personal information in accordance with applicable Nigerian laws, including the Nigeria Data Protection Act 2023, and other applicable legal and regulatory requirements.

By using BRYT Pay, you acknowledge that you have been informed of the data-processing practices described in this Privacy Policy. Where consent is legally required, we will request it separately.

2. Services Covered by This Policy

This Privacy Policy applies to the following BRYT Pay services:

• Airtime purchases and mobile data subscriptions.
• Television subscription payments.
• Educational examination PINs and related services.
• JAMB services, including admission letters, result printing, document reprinting, and admission status checks.
• NIN slip requests and related document-processing services.
• Wallet funding, wallet balance management, and transaction history.
• Transfers from BRYT Pay wallets to supported Nigerian bank accounts.
• Customer support, account management, and other services made available through the platform.

This policy also applies to future services unless a separate privacy notice is provided.

3. Information We Collect

We collect personal information reasonably necessary to operate our platform, process transactions, provide customer support, and comply with applicable legal requirements.

3.1 Account Information

When you register or use BRYT Pay, we may collect:

• Full name.
• Email address.
• Phone number.
• Account ID or unique user identifier.
• Authentication information.
• Account creation date and account status.

Passwords are managed through secure authentication mechanisms. We do not require users to disclose their passwords to customer support.

3.2 Wallet and Transaction Information

When you fund your wallet, purchase services, or initiate transfers, we may process:

• Wallet balance and funding history.
• Transaction amounts and references.
• Transaction dates and timestamps.
• Payment methods and payment statuses.
• Service descriptions and purchase records.
• Refund and reversal information.
• Information required for transaction verification and dispute resolution.

3.3 Bank Transfer Information

When you transfer money from your BRYT Pay wallet to a supported bank account, we may collect and process:

• Recipient bank name.
• Recipient account number.
• Recipient account name.
• Transfer amount.
• Transfer reference.
• Transfer status and related transaction records.
• Other information necessary to verify, authorize, or complete the transfer.

Relevant information may be transmitted securely to our payment-processing and banking partners to execute the transaction.

We do not sell your bank account information or use it for unrelated advertising purposes.

3.4 Airtime, Data, and Television Services

Depending on the service requested, we may collect:

• Recipient mobile phone numbers.
• Selected network providers.
• Data or airtime purchase details.
• Television provider details.
• Smartcard numbers or decoder account identifiers.
• Subscription packages and transaction records.

3.5 JAMB and Educational Services

When you request JAMB or educational services, we may collect:

• Candidate full name.
• JAMB registration number.
• Examination year.
• Email address.
• Contact or WhatsApp number.
• Examination or registration details necessary to fulfil the request.
• Documents generated or processed for delivery.

This information is used to process your requested service and provide the resulting document or confirmation.

3.6 NIN Services

When you request an NIN-related service, we may process:

• National Identification Number, where required.
• Personal details necessary to locate or process the requested record.
• Contact information.
• Selected slip or document type.
• Information necessary to complete and deliver the request.

NIN-related information is used only for authorized service fulfilment, verification where applicable, customer support, and legally required recordkeeping.

We restrict access to sensitive identity information to authorized personnel and relevant service providers.

3.7 Technical and Usage Information

When you access BRYT Pay through our website or Android application, we may process technical information such as:

• IP address.
• Browser type and operating system.
• Device type.
• Session information.
• Login activity.
• Security and error logs.
• Cookies and local storage information.

Additional technical information may be processed by our hosting, security, or application service providers where necessary to operate and protect the platform.

4. How We Use Your Information

We process your information for legitimate and specified purposes, including:

1. Creating and managing your BRYT Pay account.
2. Authenticating users and maintaining secure login sessions.
3. Funding wallets and maintaining accurate wallet balances.
4. Processing bank transfers and digital service purchases.
5. Delivering JAMB, NIN, educational, and other requested services.
6. Sending transaction confirmations, receipts, and important service notifications.
7. Providing customer support and resolving complaints.
8. Detecting fraud, unauthorized transactions, and misuse.
9. Processing refunds, reversals, and disputed transactions.
10. Improving platform performance, reliability, and user experience.
11. Maintaining records required by applicable laws and regulations.
12. Communicating service updates and promotional information where permitted by law.

We do not use personal information for purposes incompatible with those described in this policy without an appropriate legal basis.

5. Legal Basis for Processing Personal Information

Depending on the nature of the information and service, we may process personal data based on:

Contractual necessity: To provide services requested by users, maintain accounts, and process transactions.

Legal obligations: To comply with applicable financial, tax, data protection, fraud prevention, and other regulatory requirements.

Legitimate interests: To maintain platform security, prevent fraud, improve services, and protect users and our business, subject to applicable legal safeguards.

Consent: Where required, including for certain optional communications or processing activities.

Users may withdraw consent where processing depends on consent, subject to applicable legal limitations.

6. Financial Services, Wallet Operations and Banking Partners

BRYT Pay is a digital financial and utility services platform operated by BRYT Digital Services, a CAC-registered business in Nigeria.

BRYT Pay integrates with third-party payment infrastructure providers, including PayVessel, to facilitate supported financial transactions and wallet-to-bank transfers.

Depending on the service, these integrations may enable users to fund their wallets, manage transaction records, and transfer funds to supported Nigerian bank accounts.

To process these transactions, BRYT Pay may securely share relevant information with PayVessel and its applicable banking or payment-processing partners, including:

• Customer identification and account information.
• Beneficiary bank names and account numbers.
• Recipient account names.
• Transaction amounts and references.
• Payment and transfer statuses.
• Information required for transaction verification, fraud prevention, and regulatory compliance.

BRYT Pay does not operate as an independently licensed bank or deposit-taking institution.

Financial transactions are processed through the relevant third-party payment infrastructure and banking arrangements, subject to their applicable terms, licensing obligations, and regulatory requirements.

Customer funds are handled according to the applicable safeguarding and settlement arrangements of the financial institutions involved. Any deposit insurance or other protection applies only where expressly provided under the relevant institution's arrangements and applicable law.

BRYT Pay is committed to maintaining accurate transaction records, protecting customer information, and assisting users with transaction disputes, failed transfers, refunds, and other payment-related concerns.

7. Third-Party Service Providers

We may share relevant personal information with trusted third parties where necessary to provide our services.

These may include:

Payment and Banking Partners: For wallet funding, bank transfers, transaction verification, settlements, refunds, and payment processing.

Utility and Telecommunications Providers: For airtime, data, television subscriptions, and related digital services.

Educational and Identity Service Providers: For authorized JAMB, examination, NIN, and document-processing requests.

Hosting and Database Providers: For secure data storage, authentication, application hosting, and backend operations.

Communication Providers: For transactional emails, service notifications, and customer communications.

Regulatory and Law Enforcement Authorities: Where disclosure is legally required or permitted.

We limit the information shared to what is reasonably necessary for the relevant purpose.

We do not sell users' personal information.

Third-party service providers may operate under their own privacy policies and legal obligations.

8. Data Storage and Security

BRYT Pay implements technical and organizational measures intended to protect personal and transactional information against unauthorized access, alteration, disclosure, destruction, or misuse.

These measures include, where applicable:

• Secure authentication and access controls.
• Role-based administrative permissions.
• Database security policies.
• Secure communication using HTTPS.
• Server-side processing of sensitive operations.
• Restricted access to user information and documents.
• Transaction verification and fraud prevention controls.
• Monitoring and investigation of suspicious activities.

Although we take reasonable precautions, no internet-based platform or electronic storage system can guarantee absolute security.

Users are responsible for protecting their passwords, devices, and login credentials.

BRYT Pay representatives will never ask users to disclose their passwords or one-time authentication codes through unsolicited messages.

9. Cookies, Local Storage, and Android WebView

BRYT Pay is accessible through its website and an Android application that displays the existing web platform using WebView technology.

We may use cookies, browser storage, and related technologies to:

• Maintain authenticated sessions.
• Remember user preferences.
• Support application functionality.
• Improve performance and reliability.
• Protect accounts against unauthorized access.

The Android application may use the device's internet connection and other technical capabilities necessary to display and operate the platform.

Any additional permissions, analytics tools, or third-party SDKs incorporated into the Android application are subject to applicable disclosure and permission requirements.

Users can manage certain browser and device settings, although disabling essential storage features may affect the platform's functionality.

10. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this policy or as required by applicable law.

Retention periods may depend on:

• Whether an account remains active.
• Whether a transaction is pending or disputed.
• Financial recordkeeping obligations.
• Fraud prevention and security requirements.
• Applicable legal or regulatory retention periods.
• The need to resolve customer complaints or enforce legal rights.

When personal information is no longer required, we take reasonable steps to delete, anonymize, or securely dispose of it.

Certain transaction and financial records may be retained after account deletion where required for legal, regulatory, accounting, security, or fraud prevention purposes.

Such retained records will not be used to reactivate a deleted account or for unrelated marketing purposes.

11. Account Deletion and Data Removal

BRYT Pay respects users' rights to request the deletion of their accounts and associated personal information.

Users can initiate an account-deletion request by contacting our support team.

How to Request Account Deletion

Send an email to: brytpay@gmail.com

Use the subject: BRYT Pay — Account Deletion Request

Include the following details:

1. Your BRYT Pay Account ID.
2. Your registered email address.
3. Your reason for requesting account deletion.

Providing a reason helps us understand users' experiences and improve our services. It is optional and will not determine whether an otherwise valid deletion request is accepted.

For account security, we may verify that the request comes from the legitimate account holder before proceeding.

Processing Time

Verified account-deletion requests will be processed within three (3) days of successful verification, subject to applicable legal obligations and any outstanding transaction or account-security issues.

We will inform users if additional steps or legally required retention obligations affect their request.

What Happens After Account Deletion?

Following successful processing:

• The BRYT Pay account will be permanently closed.
• Account authentication access will be removed.
• Personal profile information that is no longer required will be deleted.
• Associated service information and documents will be deleted where no longer required.
• Information held by relevant service providers will be addressed in accordance with applicable agreements and legal requirements.
• Financial and transaction records required by law may be retained for the applicable retention period.

Account deletion is not the same as temporary suspension or deactivation.

Important Information About Wallet Balances

Users should resolve pending transactions and withdraw or otherwise settle any available wallet balance before account deletion.

Where funds remain or transactions are unresolved, our support team will provide appropriate assistance before completing account closure.

Account deletion does not automatically cancel a completed transfer or reverse a successfully processed transaction.

Account Deletion Information Page

Users may also review the account-deletion procedure at: https://brytpay.name.ng/doc/delete-account/

12. Your Data Protection Rights

Subject to applicable law, users may have the right to:

• Be informed about the collection and processing of their personal data.
• Request access to personal information held about them.
• Request correction of inaccurate or incomplete information.
• Request deletion of personal data where applicable.
• Object to certain types of processing.
• Request restriction of processing in applicable circumstances.
• Request data portability where legally applicable.
• Withdraw consent where consent is the legal basis for processing.
• Lodge a complaint with the appropriate data protection authority.

To exercise these rights, contact: brytpay@gmail.com

We may request reasonable verification before disclosing, modifying, or deleting sensitive account information.

Users may also contact the Nigeria Data Protection Commission regarding applicable data protection concerns.

13. International Data Processing

Some technology, hosting, authentication, or payment service providers used by BRYT Pay may process or store information outside Nigeria.

Where personal information is transferred internationally, we will take steps to ensure that the transfer complies with applicable Nigerian data protection requirements, including the use of appropriate safeguards where required.

14. Children's Privacy

BRYT Pay is not intended for use by children who cannot lawfully enter into the relevant service agreements or provide the necessary authorization.

Users must meet the applicable age and eligibility requirements for the services they access.

Where we become aware that personal information has been collected from a child without the necessary legal authorization, we will take appropriate steps in accordance with applicable law.

15. Marketing Communications and Notifications

BRYT Pay may send users important communications relating to:

• Wallet funding and transfers.
• Transaction confirmations.
• Service fulfilment.
• Account security.
• Maintenance and service availability.
• Changes to platform features or policies.

We may also send promotional communications where permitted by applicable law.

Users may request to stop receiving optional promotional emails by contacting our support team or using an available unsubscribe mechanism.

Essential security, transaction, and service-related communications may still be sent where necessary.

16. Third-Party Websites and Services

BRYT Pay may contain links to third-party websites, financial institutions, service providers, or external platforms.

We are not responsible for the privacy practices of third-party websites that operate independently of BRYT Pay.

Users are encouraged to review the privacy policies and terms of those services before providing personal information.

17. Changes to This Privacy Policy

We may update this Privacy Policy to reflect:

• Changes to BRYT Pay services.
• New payment or banking integrations.
• Changes to data processing practices.
• Legal or regulatory requirements.
• Security or operational improvements.

The revised policy will be published on our website with an updated effective or revision date.

Where required by law, we will provide additional notice or obtain consent before implementing material changes.

18. Contact Information

For privacy enquiries, account deletion, personal data requests, or concerns regarding this policy, contact:

Business Name: BRYT Digital Services
Platform: BRYT Pay
Email: brytpay@gmail.com
Website: https://brytpay.name.ng
Location: Kaduna, Nigeria

We aim to address privacy-related enquiries promptly and in accordance with applicable legal requirements.

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Operated by BRYT Digital Services.
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