Privacy Policy

Who are we?

We are Payant Technologies Limited (“we”, “our”, “us”) and operating under the name Payant. Dot. is a product of Payant.

We’re committed to protecting and respecting your privacy. If you have any questions about your personal information please chat with us through the Dot. app, or by emailing us at, or by writing to us at 4 Barnawa Close, Off Challawa Crescent, Barnawa, Kaduna, Nigeria.

The information we hold about you

  1. Information submitted through our app, website or via USSD

    For example, when you sign up to Dot. and provide details such as your name, ID, selfie and address, or details we collect about how you use Dot.

    There may be times when you give us ‘sensitive’ information, which includes things like your biometric data. We’ll only use this information in strict accordance with the law.

  2. Details about your transactions with us

    including any cards and accounts you use.

  3. Information on how you use your phone

    For example the mobile network you use, your IP address or operating system and the settings on your phone.

  4. Information you give us permission to access on your phone

    Things you give us explicit permission to see, like your address book, photos, geolocation and data from your camera.

  5. Information from social networks or online accounts

    Information from any accounts that you share with us.

  6. Cookie information

    You can think of cookies like stickers. Every time you visit a site, that site puts a sticker on you so they can keep track of how many times you’ve visited, how long you’ve spent there, and what you’ve done. That lets the site show you things which are relevant to you, based on information you’ve entered and stuff you’ve looked at. The length of time stored depends on the cookie, but this is generally between a few minutes and up to a few years.

    Cookies never store any of your banking or private details.

How we use your information

To provide our services. We use it to:

  • Help us manage your account.
  • Track, analyze and improve the services we give you and other customers.

To meet our legal obligations. We use it to:

  • Search your record at immigration and fraud prevention agencies.
  • Prevent illegal activities like money laundering, tax evasion and fraud.

To exercise what’s known as our legitimate interests. This is when we use data for a reason which is in your and/or our interest, and which doesn't involve overriding your privacy rights. We use it to:

  • Market products and services generally in app.
  • Search your record at credit reference agencies when you sign up.

With your permission. We use it to:

  • Market and communicate our products and services and those of affiliated partners where we think these will be of interest to you by email or SMS. You can always unsubscribe from receiving these if you want to, by email, SMS and via the app.

Who we share it with

We may share your personal information with:

  • Anyone who works for us when they need it to do their job.
  • Any organization which supports any of our services you use, when they need it to offer those services. That includes:
    • Card issuers, producers and networks.
    • Analytical, Know Your Customer (KYC) and cyber security service providers.
    • Customer ‘interface’ providers (like the ones who manage our in-app chat service).
  • Companies that do advertising for us (but we won’t share identifiable personal data with third parties for their own direct marketing unless you give us permission, and you can opt out any time).
  • Certain authorities that detect and prevent terrorism (including authorities outside the Nigeria if one of your payments is processed through a worldwide payment system).
  • Anyone who you give us explicit permission to share it with.

We’ll also share it to comply with the law; to enforce our Terms and Conditions or other agreements; or to protect the rights, property or safety of us, our customers or others.

How long we keep it

We keep your data as long as you’re using Dot., and for a some years after that to comply with the law. In some circumstances, like cases of anti-money laundering or fraud, we may keep data longer if we need to and/or the law says we have to.

Your rights

You have a right to:

  • Access the personal data we hold about you, or to get a copy of it.
  • Make us correct inaccurate data.
  • Ask us to delete, 'block' or suppress your data, though for legal reasons we might not always be able to do it.
  • Object to us using your data for direct marketing and in certain circumstances ‘legitimate interests’, research and statistical reasons.
  • Withdraw any consent you’ve previously given us.

To do so, please contact us through the app or by emailing

Where we store your data

We might transfer and store the data we collect from you somewhere outside Nigeria. People who work for us or our suppliers outside the country might also process your data. We may share data with organizations and countries that:

  • That have adequate data protection.
  • We’ve agreed standard data protection clauses with.

How to make a complaint

If you have a complaint, please contact us through the app or by emailing and we’ll do our best to fix the problem.

Changes to this policy

We’ll post any changes we make to our privacy notice on this page and, if they’re significant changes we’ll let you know by email.

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