Privacy Policy – Individual Accounts

1. Introduction

Airpero LTD ("Airpero", "we", "our", or "us") respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you create or use an individual Airpero account, including our website, mobile applications, digital wallet, virtual or physical cards, foreign exchange services, money transfers, bill payment services, and other personal financial services.

By opening or using an Airpero personal account, you agree to this Privacy Policy.

2. Information We Collect

To provide our services and comply with applicable laws, we may collect the following information.

Personal Information

• Full name
• Date of birth
• Nationality
• Residential address
• Email address
• Phone number
• Profile photograph (where applicable)

Identity Verification Information (KYC)

We may collect information to verify your identity, including:

• Government-issued ID
• Passport
• Driver's licence
• National Identity Card
• BVN (where applicable)
• NIN (where applicable)
• Proof of address
• Selfie or biometric verification
• Source of funds documentation where required

Financial Information

• Bank account details
• Payment card details
• Wallet balances
• Virtual account information
• Transaction history
• Beneficiary information
• Bill payment records
• Foreign exchange transactions

Device and Technical Information

When you use Airpero, we may automatically collect:

• IP address
• Device information
• Browser type
• Operating system
• Mobile device identifiers
• Login history
• Cookies and analytics information

3. How We Use Your Information

We use your information to:

• Create and manage your Airpero account.
• Verify your identity and complete Know Your Customer (KYC) requirements.
• Process payments, transfers, and foreign exchange transactions.
• Issue and manage virtual or physical payment cards.
• Enable bill payment services.
• Detect and prevent fraud, financial crime, and unauthorized activity.
• Conduct Anti-Money Laundering (AML) and sanctions screening.
• Provide customer support.
• Improve our products and services.
• Communicate important account and service updates.
• Comply with applicable legal and regulatory obligations.

4. Sharing Your Information

We only share your information when necessary to provide our services or comply with legal obligations.

We may share your information with:

• Licensed banking partners.
• Card issuing partners.
• Payment processors.
• Identity verification providers.
• Fraud prevention and compliance providers.
• Regulatory authorities and law enforcement where required by law.
• Technology and cloud service providers that support our platform.

We do not sell your personal information to third parties.

5. International Data Transfers

Your personal information may be transferred to and processed in countries where Airpero or its licensed partners operate.

Where required by law, we implement appropriate safeguards to protect your information during international transfers.

6. Data Retention

We retain your information only for as long as necessary to:

• Provide our services.
• Comply with legal and regulatory obligations.
• Prevent fraud.
• Resolve disputes.
• Enforce our agreements.

Certain financial and identity records may be retained for the periods required by applicable law.

7. Security

We use industry-standard administrative, technical, and physical safeguards to protect your information, including:

• Data encryption
• Secure servers
• Multi-factor authentication
• Role-based access controls
• Continuous fraud monitoring
• Secure network infrastructure

While we take reasonable measures to protect your information, no security system can guarantee absolute security.

8. Cookies and Analytics

Airpero uses cookies and similar technologies to:

• Remember your preferences.
• Keep you signed in.
• Improve website performance.
• Detect fraud.
• Analyze how our services are used.

You can control cookies through your browser settings. Disabling cookies may affect certain features of our services.

9. Your Privacy Rights

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

• Access your personal information.
• Correct inaccurate information.
• Update your information.
• Request deletion of your information where legally permitted.
• Object to certain processing activities.
• Withdraw consent where processing is based on consent.
• Request a copy of your personal information.
• Lodge a complaint with the appropriate data protection authority.

Some requests may be limited where Airpero is legally required to retain or process your information.

10. Marketing Communications

We may send you promotional emails, notifications, or offers about Airpero products and services.

You may opt out of marketing communications at any time. However, you will continue to receive essential notifications relating to your account, transactions, security, and regulatory matters.

11. Children's Privacy

Airpero personal accounts are intended only for individuals who meet the minimum legal age required to use our services in their jurisdiction.

We do not knowingly collect personal information from children without appropriate legal authorization.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, legal obligations, or business practices.

The latest version will always be available on our website and mobile application. Continued use of Airpero after changes take effect constitutes acceptance of the updated Privacy Policy.

13. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:

Airpero LTD

Email: support@airpero.com

Website: https://www.airpero.com

Regulatory Notice

Airpero LTD is a financial technology company and is not a bank. Banking, payment, card issuing, foreign exchange, money transfer, and related financial services are provided through licensed financial institutions and regulated payment partners in the jurisdictions where such services are offered.

We process personal information in accordance with applicable privacy, anti-money laundering, and financial crime prevention laws.