Privacy Policy

Last updated: September 30, 2026

Short version: We collect only what we need to run Movo. We never sell your data. You can ask us to delete it anytime by emailing privacy@movo.com.ng.

Movo ("we", "us", "our") operates the Movo mobile app and website at movo.com.ng. This Privacy Policy explains what personal information we collect, how we use it, and the choices you have.

1. Information we collect

We collect the following categories of information:

Account data: name, phone number, email address, country, and password (hashed).
Identity data (KYC): government-issued ID, selfie, and date of birth, where required by law.
Transaction data: transfers, bill payments, airtime and data purchases, flight bookings, and their amounts, recipients, and statuses.
Device data: device type, operating system, IP address, and app version.
Contacts (optional): if you grant permission, we read names and phone numbers of contacts you explicitly select — for the sole purpose of pre-filling a recipient.
Biometric data: fingerprint or face data, which we never collect or store. It stays on your device's secure hardware.

2. How we use your information

We use your information to:

Create and secure your account.
Process transfers, payments, and bookings.
Meet our legal obligations (KYC, AML, sanctions screening).
Prevent fraud, abuse, and unauthorised access.
Send you transactional notifications and (with consent) product updates.
Improve our product through aggregated, anonymised analytics.

3. Sharing your information

We share data only where necessary:

With payment and travel partners (e.g. Flutterwave, Korapay, VTpass, and flight booking partners) to complete transactions you initiate.
With KYC providers to verify your identity.
With regulators and law enforcement where required by law.
With service providers (cloud hosting, analytics) under strict confidentiality agreements.

We never sell your personal information to third parties.

4. Data retention

We retain your data for as long as your account is active and for a minimum of five (5) years after closure, as required by Nigerian and other applicable financial regulations. Transaction records may be retained longer if legally mandated.

5. Security

We use industry-standard practices to protect your data: TLS for data in transit, encryption at rest, strict access controls, and regular security reviews. No system is 100% secure — please use a strong password and enable biometric login.

6. Your rights

You have the right to:

Access the personal data we hold about you.
Correct inaccurate information.
Request deletion of your account and data (subject to legal retention).
Withdraw consent for optional processing at any time.
File a complaint with the Nigeria Data Protection Commission (NDPC).

To exercise these rights, email privacy@movo.com.ng.

7. Children

Movo is not intended for anyone under 18. We do not knowingly collect information from minors.

8. International transfers

Some of our partners are located outside Nigeria. Where we transfer data internationally, we rely on appropriate safeguards such as standard contractual clauses.

9. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we'll update the "Last updated" date at the top. Material changes will be notified in-app.

10. Contact us

Questions? Write to privacy@movo.com.ng. A real human will reply.