Privacy Policy

Update date: 2026-02-14
Effective date: 2026-02-14

Zephyrcash APP is a product offered by ZEPHYREDGE LIMITED ("we", "us", or "our"). We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner.

This Privacy Policy explains how we collect, use, store, share, and protect your information when you use our services.

By using our services, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

1.1 Personal Information

We may collect the following personal information:

• Name
• Phone number
• Email address
• Address
• Date of birth
• Employment and income information

Purpose: Account management, loan processing, identity verification (KYC), risk control, and legal compliance.

1.2 Camera and Photos

We may request access to your camera to capture ID documents and selfies for identity verification (KYC) and fraud prevention.

1.3 Financial Information

We collect necessary financial data such as:

• Bank account details
• Payment information (processed via Paystack)

This information is used strictly for transaction processing, including loan disbursement and repayment.

1.4 Device and Technical Information

We may collect:

• Device model
• Operating system version
• App version
• IP address

We may also collect device identifiers (such as Android ID, IDFA, or similar identifiers) where permitted by applicable laws and platform policies.

This information is used for security, fraud prevention, analytics, and service optimization.

1.5 Usage Information

We may collect information about how you interact with the app, including:

• App usage behavior
• Access logs
• Interaction data

2. Information We Do NOT Collect

We do not collect:

• SMS messages
• Call logs
• Contact lists
• Installed application lists unrelated to app functionality

3. How We Use Information

We use collected information to:

• Provide and maintain services
• Process loan applications
• Verify identity (KYC)
• Prevent fraud and unauthorized access
• Improve user experience and product performance
• Provide customer support
• Comply with legal and regulatory obligations

4. Information Sharing

We do not sell your personal information.

We may share limited information with the following parties strictly for service functionality and legal compliance:

• Payment processors (e.g., Paystack)
• Analytics and attribution service providers (e.g., AppsFlyer)
• Regulatory authorities, when required by law

We ensure that all third parties are bound by confidentiality obligations and applicable data protection laws.

We do not share personally identifiable financial information with advertisers.

5. Third-Party SDK Use

To ensure proper functionality, analytics, and security of the application, we may integrate trusted third-party SDKs.

SDK 1: Paystack

• Purpose: Payment processing and transaction management
• Data Processed: Name, payment account information, transaction amount
• Official Website: https://paystack.com/
• Contact: hello@m.paystack.com

Paystack processes data only for agreed purposes and in compliance with applicable laws.

SDK 2: AppsFlyer

• Purpose: Attribution analysis, marketing performance measurement, fraud prevention, and service optimization
• Data Processed: Device information (such as Android ID / IDFA), IP address, app usage data, and interaction data
• Official Website: https://www.appsflyer.com/
• Privacy Policy: https://www.appsflyer.com/legal/privacy-policy/

AppsFlyer processes data in accordance with its privacy policy and applicable data protection laws.

6. Data Storage and Security

Your data is protected using industry-standard security measures, including encryption technologies such as HTTPS and SSL.

We implement reasonable technical and organizational safeguards to prevent unauthorized access, disclosure, alteration, or destruction of your data.

7. Your Rights

You may have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion of your data
• Withdraw consent where applicable

For requests, please contact: help@zepphyredgeapp.com

8. Account Deletion

You may request account deletion at any time.

Your data will be deleted or anonymized within a reasonable timeframe, unless retention is required by law.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

10. Updates

We may update this Privacy Policy from time to time. Any changes will be communicated within the app or through appropriate channels.

11. Contact

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