How SafeKip protects your personal data

SafeKip is a secure digital escrow platform built for Nigerians. We help buyers and sellers protect online transactions by holding funds securely, tracking transaction steps, supporting dispute resolution, and verifying withdrawals.

This policy is designed with the Nigeria Data Protection Act 2023, the guidance of the Nigeria Data Protection Commission, Section 37 of the Constitution of the Federal Republic of Nigeria, and other applicable Nigerian privacy, financial, cybercrime, consumer protection, and anti-fraud requirements in mind. We also keep our handling NDPR-aware because many Nigerian users and businesses still refer to the earlier Nigeria Data Protection Regulation framework. Where another law requires us to keep or disclose information, we will do so only as permitted or required by law.

SafeKip applies privacy-by-design and data minimisation principles when collecting and using personal data. We aim to process data fairly, lawfully, transparently, and only for clear escrow, verification, fraud prevention, support, dispute, payout, security, compliance, and legal purposes. Access to personal data is restricted based on role and business need, and sensitive actions such as verification review, payout processing, account security, and dispute handling are logged for accountability.

We may collect your name, email address, phone number, password credentials, device information, IP address, transaction details, bank account details, KYC or business verification details, support messages, dispute evidence, uploaded files, audit logs, notification settings, payment references, and communications with SafeKip. We do not intentionally collect more data than is needed for account security, escrow processing, compliance, support, and fraud prevention.

We use personal data to create and secure accounts, verify identity, process escrow transactions, send security alerts, prevent scams and fake payments, confirm delivery and inspection periods, manage disputes, process withdrawals, provide 24/7 support access, improve platform reliability, meet legal obligations, and protect users from misuse of the service.

Depending on the activity, we process personal data because it is needed to provide escrow services under our agreement with you, to comply with legal or regulatory obligations, to protect legitimate platform and user interests such as fraud prevention and account security, to protect vital interests in urgent security cases, or because you have given consent for a specific activity such as optional communications.

SafeKip may verify user identities, business information, bank ownership, device activity, account risk signals, and transaction behaviour. These checks help reduce scams, fake alerts, account takeover attempts, suspicious funding, payout abuse, and disputes. Some checks may be performed by trusted verification, payment, banking, messaging, or compliance providers.

Escrow payments, payment references, funding details, bank verification records, withdrawal requests, refunds, and payout activity may be processed with payment processors, banks, verification providers, and other infrastructure partners. SafeKip does not sell your payment information. We use this data to complete transactions, reconcile payments, prevent fraud, and keep required records.

If you contact support or open a dispute, we may process messages, uploaded images or videos, delivery proof, transaction history, account details, and related metadata. This information is used to investigate the case, contact the parties, protect both buyer and seller, and make a recorded decision where applicable.

We may share relevant data with payment processors, banks, KYC providers, cloud hosting providers, email or SMS providers, analytics and security tools, legal advisers, auditors, regulators, law enforcement, courts, or dispute officers where necessary. We limit sharing to what is needed for the purpose and require service providers to handle data responsibly.

Some technology providers used to host, secure, communicate, or process parts of the service may operate outside Nigeria. Where personal data is transferred or accessed outside Nigeria, we take reasonable steps to use appropriate safeguards, contractual protections, and security controls consistent with applicable law.

We may use cookies, local storage, and similar technologies to keep users signed in, remember device identifiers, protect accounts, improve performance, understand usage, and prevent fraud. You can control cookies through your browser, but blocking some cookies may affect sign-in, security, or transaction features.

We keep personal data only for as long as reasonably needed for the purposes described in this policy, including account management, active escrow transactions, disputes, financial records, fraud prevention, audit trails, legal claims, regulatory requirements, and security investigations. Some transaction, compliance, and audit records may need to be retained after an account is closed.

Subject to applicable law and identity verification, you may request access to your personal data, correction of inaccurate data, deletion where legally available, restriction or objection to certain processing, withdrawal of consent where consent is the basis for processing, information about processing activities, and a copy of certain data in a usable format where applicable.

You may request account deactivation or deletion of eligible personal data. We may be unable to delete information immediately where we need it for active transactions, disputes, fraud prevention, financial reconciliation, legal obligations, regulatory reporting, audit records, or legitimate security reasons.

We use technical and organisational measures such as access controls, authentication, audit logs, secure payment workflows, role restrictions, monitoring, and secure infrastructure practices to protect personal data. No online service can be guaranteed to be completely risk-free, so users should also keep passwords, devices, and delivery codes secure.

SafeKip is intended for users who can lawfully create and participate in financial or commercial transactions. We do not knowingly provide escrow accounts to children. If we discover that a child has provided personal data without proper legal authority, we may restrict the account and take appropriate steps.

We may update this Privacy Policy to reflect changes in our services, legal requirements, security practices, or regulatory guidance. The updated version will be posted on this page with a revised effective date. Material changes may also be communicated through the platform or by email where appropriate.

For privacy questions, data rights requests, correction requests, complaints, or support with personal data, contact SafeKip through the in-app support channel or email privacy@safekip.com. We may ask you to verify your identity before acting on a request.