1. Introduction
MXE CHAT (“we,” “our,” or “us”) values your trust and is committed to protecting your privacy.
This Privacy Policy explains how we collect, use, store, and protect your information when you interact with MXE CHAT on WhatsApp to make payments, purchase airtime, data, or perform related financial transactions.
By using MXE CHAT, you agree to the practices described in this Privacy Policy.
2. Information We Collect
- Personal Information: Name, phone number (linked to WhatsApp), email (if provided), and other identifiers.
- Financial Information: Transaction details, wallet or account details, payment references, and related metadata.
- Usage Data: Chat interactions, device type, time of access, and logs of your requests.
- Compliance Information: KYC data (e.g., BVN, ID documents) where required by law.
We do not read your private WhatsApp messages outside MXE CHAT. We only process the conversations you have directly with MXE CHAT.
3. How We Use Your Information
- Facilitate and process payments, airtime, data, and bill transactions.
- Verify your identity (KYC/AML compliance).
- Improve the accuracy and performance of MXE CHAT.
- Provide customer support.
- Comply with regulatory requirements in Nigeria and other applicable jurisdictions.
- Detect and prevent fraud, unauthorized use, or abuse of the platform.
4. Sharing of Information
We do not sell your personal data. However, we may share your information with:
- Payment Partners & Banks: To process transactions (e.g., payment gateways, card processors, banks).
- Service Providers: Technical, customer support, and hosting providers.
- Regulatory Authorities: When required by law (e.g., CBN, NDIC, NDPR, AML/KYC obligations).
- Affiliates/Business Partners: For integrated services with your consent.
5. Data Storage & Security
- Your data is stored securely using industry-standard encryption (at rest and in transit).
- Access is restricted to authorized personnel only.
- We regularly update our systems to protect against unauthorized access, loss, misuse, or alteration.
6. Data Retention
We retain your personal data only as long as necessary:
- To provide services.
- To comply with legal and regulatory obligations.
- To resolve disputes and enforce agreements.
When data is no longer required, we securely delete or anonymize it.
7. Your Rights
As a user, you have the following rights (subject to applicable law such as NDPR and GDPR):
- Access & Portability: Request a copy of your personal data.
- Correction: Update or correct inaccurate data.
- Deletion: Request deletion of your data (subject to legal requirements).
- Restriction: Limit how your data is processed.
- Objection: Opt out of non-essential data use.
You can exercise these rights by contacting us at support@mymxe.com.
8. Children’s Privacy
MXE CHAT is not designed for individuals under 18 years old. We do not knowingly collect data from minors. If you believe we have collected such data, please contact us for immediate deletion.
9. International Data Transfers
If your data is transferred outside Nigeria, we ensure it is protected with appropriate safeguards in line with NDPR and international privacy standards.
10. Updates to This Policy
We may update this Privacy Policy from time to time. Significant changes will be communicated through WhatsApp or our official channels. Please review this policy periodically.
11. Contact Us
For questions, concerns, or requests related to your data, please contact us at:
- Email: support@mymxe.com
- WhatsApp Support: +234 916 000 6904
- Company: MXE LIMITED
Commitment: At MXE CHAT, your privacy and trust come first. We are committed to transparency, compliance, and security in every transaction.