Privacy Policy

1. Introduction

This Privacy Policy explains how Stream Pay Platforms Africa ("we," "us," or "our") collects, uses, processes, and protects your personal information when you use the Stream Pay application ("App"). This policy applies to all users, content creators, and distributors of our platform.

2. Information We Collect

2.1 Personal Information

Information Type	Purpose	Legal Basis
Name and Contact Details	Account creation, communication	Contract performance
Phone Number	Account verification, security	Contract performance
Email Address	Communication, account recovery	Contract performance
Payment Information	Transaction processing	Contract performance
Date of Birth	Age verification, content filtering	Legal compliance

2.2 Technical Information

• Device Information: Device model, operating system, unique device identifiers
• Usage Data: Content viewed, viewing duration, search queries, app interactions
• Network Information: IP address, network provider, connection quality
• Location Data: General location for content personalization and zero-data services

2.3 Content Creator Information

For content creators and distributors, we additionally collect:

• Bank account details for revenue payments
• Tax identification information
• Content metadata and analytics
• Business registration information

3. How We Use Your Information

3.1 Service Provision

• Providing zero-data streaming services in Nigeria
• Personalizing content recommendations
• Processing payments and transactions
• Managing user accounts and authentication

3.2 Business Operations

• Analytics and performance monitoring
• Customer support and communication
• Fraud prevention and security measures
• Legal compliance and regulatory requirements

3.3 Marketing and Communications

• Sending service updates and notifications
• Promotional content (with your consent)
• Platform announcements and news

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 Service Providers

• Payment processors for transaction handling
• Cloud storage providers for data hosting
• Analytics services for performance monitoring
• Telecommunications partners for zero-data services

4.2 Legal Requirements

We may disclose information when required by Nigerian law, court orders, or to protect our rights and the safety of our users.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.

5. Data Security

We implement comprehensive security measures to protect your personal information:

• Encryption: Data encrypted in transit and at rest using industry-standard protocols
• Access Controls: Strict access limitations to personal data
• Regular Audits: Security assessments and vulnerability testing
• Staff Training: Regular privacy and security training for employees
• Incident Response: Established procedures for security breach management

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations:

• Account Data: Retained while account is active plus 2 years after closure
• Transaction Records: Retained for 7 years for legal and tax compliance
• Usage Analytics: Anonymized after 18 months
• Content Creator Data: Retained per separate creator agreements

7. Your Privacy Rights

8. Cookies and Tracking Technologies

Stream Pay uses cookies and similar technologies to enhance user experience:

• Essential Cookies: Required for app functionality
• Performance Cookies: Help us understand app usage
• Preference Cookies: Remember your settings and preferences

You can manage cookie preferences through your device settings.

9. International Data Transfers

Your data is primarily processed within Nigeria. When international transfers are necessary for service provision, we ensure adequate protection through appropriate safeguards and agreements.

10. Children's Privacy

Stream Pay is not intended for children under 13. We do not knowingly collect personal information from children under 13. If we become aware of such collection, we will delete the information immediately.

For users aged 13-17, we require parental consent and implement additional privacy protections.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify users of significant changes through the App or email notifications.

12. Third-Party Services

Stream Pay may integrate with third-party services (payment providers, social media platforms). These services have their own privacy policies, and we encourage you to review them.

13. Compliance and Regulatory Framework

Stream Pay complies with:

• Nigeria Data Protection Regulation (NDPR) 2019
• Nigerian Communications Commission (NCC) guidelines
• Central Bank of Nigeria (CBN) payment regulations
• International best practices for data protection

14. Contact Information