1. Introduction
RanaWallet ("we", "our", "us") cares about keeping your personal information private and safe. This policy explains, in plain words, what information we collect, why we need it, how we keep it safe, and who we share it with, when you use the RanaWallet app, website, short code (USSD) or text message service.
2. Information We Collect
Account Information
When you open an account, we collect your name, your phone number, your email address if you give us one, and the password or PIN you choose. We never store your password or PIN in a form anyone can read.
Transaction Data
We keep a record of the money you put in your wallet and the electricity you buy: the amounts, the meter numbers, the dates and times, the tokens, and how you paid.
Device Information
We collect the type of phone you use, its software version, the version of our app, and an identifier for your device. We use these to keep your account secure and to make the Service work better.
Usage Data
We may collect information about how you use the app, such as which screens you open and which features you use. This helps us make the app easier to use.
3. How We Use Your Information
We use your information to:
- Complete your electricity purchases and wallet payments
- Confirm who you are and stop fraud
- Send you confirmations and your tokens
- Help you when you contact our support team
- Improve the Service and build new features
- Follow the law and the rules that apply to payment services in Nigeria
4. Information Sharing
We never sell your personal information. We share it only with:
- The power company that serves your meter: your meter number and the amount you are buying, so their system can create your token
- Our payment partner (Flutterwave): the details needed to take your payment when you put money in your wallet. You type your card details on their page, so we never see them.
- The police or courts: only when the law or a court order requires it
5. Data Security
We protect your information by scrambling it (encryption) while it travels over the internet and while it is stored. Each power company's records are kept in their own separate, walled-off section of our database, so one company can never see another company's customers. Only you can open your account, with your own login, and in the app you can also lock it with a PIN or your fingerprint.
6. Data Retention
We keep your account and payment records while your account is open, and then for as long as Nigerian financial rules require. If you close your account, we will delete your personal information within 90 days, unless the law requires us to keep it longer.
7. Your Rights
You have the right to:
- See the personal information we hold about you
- Ask us to correct anything that is wrong
- Ask us to delete your account and your personal information
- Change your mind about any optional use of your information
To use any of these rights, contact us at support@ranawallet.com.
8. Cookies
Our website uses only the small files (cookies) it needs to remember your settings and keep you signed in. We do not use cookies that track you for advertising.
9. Children's Privacy
The Service is not meant for anyone under 18. We do not knowingly collect information from children. If we find out that a child has given us personal information, we will delete it.
10. Changes to This Policy
We may change this policy from time to time. When we do, we will post the new version on this page with a new date. If the change is important, we will also tell you by email, text message or a notice in the app.
11. Contact
If you have questions about this policy or about how we handle your information, contact us:
Email: support@ranawallet.com
Phone: +234 814 342 3808
Address: Abuja, Nigeria