Privacy Policy

1. Introduction & Overview

Welcome to Renti-Pay. Renti-Pay (referred to as "Renti-Pay", "we", "us", or "our") is a digital savings platform designed to help tenants save gradually toward rent and pay on time, while giving landlords visibility and confidence in future payments. Renti-Pay is operated by RENTI PAY Limited.

We value your trust and are fully committed to protecting your privacy and personal data. This Privacy Policy describes how we collect, use, process, and disclose your information when you access or use the Renti-Pay mobile application, website, and related services (collectively, the "Platform"). By using our Platform, you consent to the collection and use of information in accordance with this policy.

2. Information We Collect

To provide our services effectively, we collect several categories of information depending on your role (Tenant or Landlord) and how you interact with the Platform:

• Personal Identification Information: Full name, date of birth, gender, home address, email address, phone number, and profile photograph.
• Financial Information: Bank account numbers, Bank Verification Number (BVN), card details (stored securely via payment gateways), savings targets, transaction history, and fund withdrawal accounts.
• Verification Documents (KYC): We use your Bank Verification Number (BVN) to verify your identity.

3. How We Use Your Information

We use the information we collect for various operational, compliance, and marketing purposes:

• Providing & Maintaining Services: Setting up and managing your account, tracking your rent savings, automating savings rules, and coordinating payments between tenants and landlords.
• Processing Financial Transactions: Processing deposits and executing automated rent payouts to landlords.
• KYC and Regulatory Compliance: Performing identity verification checks, satisfying Bank Verification Number (BVN) validations, and preventing fraud, money laundering, or illegal activities.
• Calculations & Payouts: Powered by our licensed payment partner, Korapay, to track and process your savings and disburse rent payments to landlords.
• Communications & Support: Sending push notifications, transaction receipts, security alerts, system updates, and addressing customer support inquiries.

4. Data Sharing and Third-Party Partners

We do not sell, trade, or rent your personal information to third parties. However, we share your data with trusted partners to perform service actions:

Additionally, we may share information with verification services (to validate BVNs and government IDs), and legal or regulatory authorities to satisfy disclosure requirements under Nigerian law.

5. Data Security and Protection

The security of your data is of paramount importance to us. We implement industry-leading technical and organizational measures to safeguard your information:

• Encryption: All data transmitted over our Platform is protected using Transport Layer Security (TLS 1.3). Data at rest in our databases is encrypted using AES-256 encryption.
• Network Audits: We conduct regular vulnerability assessments and security tests to shield our servers from cyber-attacks.

6. Your Rights under NDPR

Renti-Pay is compliant with the Nigeria Data Protection Regulation (NDPR). Under these regulations, you possess the following rights regarding your personal data:

• Right to Access: You can request copy details of the personal data we hold about you.
• Right to Rectification: You can ask us to correct or update inaccurate or incomplete information.
• Right to Erasure ("Right to be Forgotten"): You can request that we delete your personal data under certain conditions, subject to statutory retention periods for financial institutions.
• Right to Restrict Processing: You can request that we limit the processing of your data.
• Right to Data Portability: You have the right to request transfer of your data to another service provider.
• Right to Object: You can object to the processing of your personal data for direct marketing campaigns.

To exercise any of these rights, please contact our Data Protection Officer at info@rentipayafrica.com.

Deleting your account

You can delete your Renti-Pay account at any time from the mobile app: open Profile, then Security and Privacy, then Delete Account, and type DELETE to confirm. Deletion erases your name, email address, phone number, BVN, next of kin, device tokens and saved payment methods, revokes all active sessions and cancels your saved direct debit mandate.

Agreements, bills, savings and payment records are retained without your personal details for the periods described in section 8. If you cannot access the app, email info@rentipayafrica.com from your registered address with the subject "Account deletion" and we will process the request.

7. Cookies and Tracking Technologies

We use cookies and similar tracking tools (e.g., beacons and scripts) to analyze user activity, track session data, and enhance platform navigation.

You can configure your web browser to reject cookies or indicate when cookies are being sent. If you disable cookies, please note that certain components of our Platform may become inaccessible or function suboptimally.

8. Data Retention

We will retain your personal and financial information only for as long as is necessary for the purposes set out in this Privacy Policy.

We retain and use your info to comply with our legal obligations (for instance, financial safety and anti-money laundering records, which require us to hold data for up to 5–6 years under Nigerian regulations), resolve disputes, and enforce our legal agreements and policies.

9. Contact Us

If you have any questions or clarifications regarding this Privacy Policy, please feel free to reach out to us: