Privacy Policy

We collect information you provide directly to us when you create an account, list a property, make a booking, or contact support. This includes:

• **Identity information:** Full name, date of birth, government-issued ID (for KYC verification)

• **Contact information:** Email address, phone number, home address

• **Financial information:** Payment card details (processed and tokenized by Paystack — we do not store full card numbers), bank account details for landlord payouts

• **Property information:** Property photos, address, description, and pricing (landlords)

• **Usage data:** Pages visited, features used, search queries, device information, and IP addresses

• **Communications:** Messages exchanged with other users and with our support team

We use the information we collect to:

• Provide, maintain, and improve our platform

• Process bookings, payments, and payouts

• Verify your identity and prevent fraud (KYC compliance)

• Send booking confirmations, payment receipts, and important account notifications

• Respond to your inquiries and provide customer support

• Send marketing communications (only with your explicit consent)

• Comply with legal and regulatory obligations, including the Nigeria Data Protection Regulation (NDPR)

We do not sell your personal data. We may share your information with:

• **Other platform users:** Your first name, profile photo, and verified status are visible to users you transact with (e.g. landlords can see tenant profiles for bookings they receive)

• **Payment processors:** Paystack processes all payments. Your card data is governed by Paystack's privacy policy

• **Service providers:** Third-party vendors who assist us with email delivery, cloud hosting, analytics, and fraud prevention — all under strict data processing agreements

• **Legal authorities:** When required by law or to protect the rights and safety of our users

We retain your personal data for as long as your account is active or as needed to provide services. If you delete your account:

• Transaction records are retained for 7 years for financial and tax compliance

• KYC records are retained for 5 years as required by Nigerian regulations

• Messages are deleted within 90 days of account deletion

• All other personal data is deleted or anonymized within 30 days

Under the Nigeria Data Protection Regulation (NDPR), you have the right to:

• **Access** a copy of your personal data we hold

• **Rectify** inaccurate or incomplete data

• **Erase** your personal data (subject to legal retention requirements)

• **Object** to processing of your data for marketing purposes

• **Data portability** — request your data in a structured, machine-readable format

• **Withdraw consent** at any time where processing is based on consent

To exercise any of these rights, contact us at privacy@splitpadng.com

We use cookies and similar tracking technologies to:

• Keep you logged in across sessions (essential cookies)

• Remember your search preferences (functionality cookies)

• Understand how users navigate the platform (analytics cookies — Google Analytics)

• Prevent fraudulent activity (security cookies)

You can control non-essential cookies through your browser settings. Disabling essential cookies may affect platform functionality.

We implement industry-standard security measures to protect your data, including:

• TLS/SSL encryption for all data in transit

• AES-256 encryption for sensitive data at rest

• Regular security audits and penetration testing

• Strict access controls — only authorized personnel access personal data

• Paystack PCI-DSS Level 1 compliance for payment data

No method of data transmission is 100% secure. We encourage you to use a strong password and not share your account credentials.

SplitPadNG is not intended for users under 18 years of age. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal data, contact us immediately at privacy@splitpadng.com and we will delete it promptly.

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or a prominent notice on our platform at least 14 days before the changes take effect. Your continued use of SplitPadNG after the changes constitutes acceptance of the updated policy.

For privacy-related questions, data requests, or to report a data breach, contact our Data Protection Officer:

Email: privacy@splitpadng.com

Phone: +234 800 SPLITPAD

Address: 13B, Nwaje Close, Akute, Lagos, Nigeria

We will respond to all requests within 14 days.