Privacy Policy

The Personal Information we have about you is directly made available to us when you:

• Sign up for a Salpha Account;
• Use any of our services;
• Contact us or our customer support team;
• Fill our online forms;

• Copies of bank account statements.
• Other documents required for identity verification or compliance purposes.

• Traceable Information: These are information that can be linked directly or indirectly to you when ever you use or interact with our services. This includes details about your device (e.g., type, OS, unique identifiers), interactions with our services (e.g., features accessed, actions performed, usage duration), financial transactions (e.g., history, payment details, timestamps), and additional data such as location, usage patterns, and session information.
• Identity Data & Identification Documents: Information such as, your full name(s), your government-issued identity number, bank verification number (BVN) or NIN and your date of birth. Identification documents may include passport or any Government-issued identity card, a photograph (if applicable) and any other registration information you may provide to prove you are eligible to use our services. This data is to enable us to verify your identity in order to offer our services to you;
• Contact Data: This is data that is needed to reach out to you, such as your contact address, email address, telephone number, details of the device you use and billing details;
• Log/Technical information: When you access Salpha's services, our servers automatically record information that your browser sends whenever you visit a website, links you have clicked on, length of visit on certain pages, unique device identifier, log-in information, location and other device details.
• Financial Data: Information, such as personal account number, the merchant's name and location, the date and the total amount of transaction, and other information provided by financial institutions or merchants when we act on their behalf;
• Transactional Data: These are information relating to payments when you as a merchant (using one or more of our payment processing services) or as a customer, are using our products or services;
• Marketing and Communications Data: This includes both a record of your decision to subscribe or to withdraw from receiving marketing materials from us or from our third parties.

We may use the Personal Information we collect to:

• Create and manage any accounts you may have with us, verify your identity, provide our services, and respond to your inquiries;
• To administer Salpha(i.e. to provide our Services to you) and support internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes This helps ensure Salpha’s stability and security, improve our Services, website, and user experience, create new products, and solicit your feedback.
• Process your payment transactions (including authorization, clearing, chargebacks and other related dispute resolution activities);
• Protect against and prevent fraud, unauthorized transactions, claims and other liabilities;
• Provide, administer and communicate with you about products, services, offers, programs and promotions of Salpha, financial institutions, merchants and partners;
• Evaluate and improve our business, including developing new products and services;
• As necessary to establish, exercise and defend legal rights; As may be required by applicable laws and regulations, including for compliance with Know Your Customers and risk assessment, Anti-Money Laundering, anti-corruption and sanctions screening requirements, or as requested by any judicial process, law enforcement or governmental agency having or claiming jurisdiction over Salpha Inc. or it's affiliates/subsidiaries;
• To comply with our legal and regulatory obligations.
• We also facilitate seamless communication between Users and send both marketing and non-marketing communications. This helps us better understand your preferences, enhance the effectiveness of our marketing efforts, and refine our campaigns and communication channels to serve you more effectively.
• For other purposes for which we provide specific notice at the time of collection.

• We have your consent. We require opt-in consent for the sharing of any personal information; We share Personal Information with third parties directly authorized by you to receive Personal Information, such as when you authorize a third party application provider to access your account. The use of your Personal Information by an authorized third party is subject to the third party's privacy policy and Salpha shall bear no liability for any breach which may arise from such authorization by you.
• We provide such information to our subsidiaries, affiliated companies or other trusted businesses or persons for the purpose of processing personal information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures
• We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to:
  • satisfy any applicable law, regulation, legal process or enforceable governmental request,
  • enforce applicable Terms of Service, including investigation of potential violations thereof
  • detect, prevent, or otherwise address fraud, security or technical issues, or
  • protect against imminent harm to the rights, property or safety of Salpha, its users or the public as required or permitted by law