Your Privacy, Our Priority.

Flixsend Ltd (“Flixsend”, “we”, “our” or “us”) respects the privacy and security of individuals who use our website, services and digital platform.

This Privacy Policy explains how we collect, use, store, process, disclose and protect personal information when you access or use Flixsend.

By accessing or using our platform, you acknowledge that you have read this Privacy Policy. Where consent is the applicable legal basis for processing, we will obtain it appropriately.

We aim to handle personal information in accordance with the Nigeria Data Protection Act 2023 and other applicable data protection laws.

Depending on how you use Flixsend, we may collect the following information:

A. Personal Identification Information

• Full legal name.
• Email address.
• Phone number.
• Residential address and country of residence.
• Date of birth.
• Bank verification number (BVN).
• Government-issued identification documents.
• Identity verification photographs or biometric verification results, where lawfully required.

B. Account Information

• Username and account ID.
• Encrypted password credentials.
• Account registration date.
• Login history.
• Account preferences.
• Security and authentication information.

C. Financial and Transaction Information

• Flixsend wallet and ledger records.
• Deposit and withdrawal history.
• Bank account details and beneficiary information.
• Transaction references.
• Exchange rates and trade amounts.
• Payment confirmations and supporting evidence.
• Vendor funding and escrow reservation records.

We do not request your bank password, card PIN, internet banking password or payment account login credentials.

D. Vendor Information

For vendors, we may additionally collect:

• Vendor business or trading name.
• Country of operation.
• Account ownership and verification information.
• Supported receiving payment methods.
• Vendor advertisements and exchange rates.
• Information required to assess transaction eligibility.

E. Technical Information

We may automatically collect:

• IP address.
• Browser type and version.
• Device information.
• Operating system.
• Website usage information.
• Cookies and session identifiers.
• Login timestamps and security logs.

We process personal information for legitimate business and operational purposes, including:

1. Creating and managing user accounts.
2. Verifying user and vendor identities.
3. Providing marketplace and transaction services.
4. Matching buyers with suitable vendors.
5. Processing deposits, escrow reservations and permitted withdrawals through approved financial partners.
6. Monitoring transactions and preventing fraudulent activities.
7. Investigating disputes and complaints.
8. Communicating important account and transaction notifications.
9. Meeting applicable legal, regulatory and reporting obligations.
10. Improving platform performance and customer experience.
11. Detecting unauthorised access and protecting platform security.

Depending on the circumstances, we may rely on:

• Contractual necessity.
• Legal and regulatory obligations.
• Legitimate interests, where appropriately balanced against your rights.
• Consent, where required.
• Protection of vital interests or other lawful grounds recognised by applicable law.

We do not sell users’ personal information to advertisers.

However, we may share relevant information with:

• Licensed banks and financial institutions.
• Approved payment processors and payout providers.
• Identity verification and KYC service providers.
• Fraud detection and security service providers.
• Professional advisers and auditors.
• Law enforcement and regulatory authorities where legally required.

Information shared will be limited to what is reasonably necessary for the relevant purpose.

Because Flixsend may serve vendors and users in different countries, some information may be processed or stored outside Nigeria.

Where personal data is transferred internationally, we will implement the safeguards and transfer mechanisms required by applicable data protection laws.

We employ reasonable technical and organisational security measures designed to protect personal information against:

• Unauthorised access.
• Data theft.
• Accidental disclosure.
• Unlawful alteration.
• Loss or destruction.
• Fraudulent use.

Security measures may include encryption, restricted employee access, authentication controls, monitoring and secure data storage.

No internet-based system can guarantee absolute security.

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including:

• Providing platform services.
• Maintaining transaction records.
• Resolving disputes.
• Preventing fraud.
• Meeting applicable legal and regulatory recordkeeping requirements.

Where information is no longer required, we will securely delete, anonymise or otherwise dispose of it, subject to applicable legal obligations.

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

• Request access to your personal information.
• Request correction of inaccurate information.
• Request deletion of information where legally permissible.
• Object to certain processing activities.
• Request restriction of processing.
• Request data portability.
• Withdraw consent where processing relies on consent.
• Lodge a complaint with the relevant data protection authority.

Some information may need to be retained where required by law or necessary to establish, exercise or defend legal claims.

Flixsend may use cookies and similar technologies to:

• Maintain login sessions.
• Remember user preferences.
• Improve website functionality.
• Monitor platform performance.
• Protect against fraudulent activity.

You may manage non-essential cookies through available browser or website settings. Disabling essential cookies may affect some platform functions.

Flixsend may provide links or references to third-party services, including PayPal, Cash App, Zelle, Venmo, banks and payment providers.

These services operate under their own privacy policies and terms.

Flixsend is not responsible for the independent privacy practices of external services.

Flixsend is intended for individuals who are at least 18 years old.

We do not knowingly provide financial marketplace services to minors. Accounts identified as belonging to minors may be restricted or closed.

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

Material changes will be communicated through appropriate platform notifications or website announcements.

For privacy-related enquiries, requests or complaints, contact: