Privacy Policy

• Account details — your phone number (verified by SMS code), chosen username, and display name.
• Transaction records — the amounts, senders, recipients, and timestamps of payments you make and receive on AfilaPay.
• Device information — a cryptographic public key generated on your device (used to authorize your payments), the device platform, and a push notification token if you allow notifications.
• Camera access — used only to scan payment QR codes; images are processed on your device and never uploaded.

• We do not hold, store, or transmit your money. All funds are collected, held, and disbursed by Paystack, a payment service provider licensed by the Bank of Ghana. AfilaPay keeps the transaction records.
• We do not sell your personal information to anyone.
• We do not read your contacts, location, photos, or messages.
• Your mobile money PIN is never seen by AfilaPay — you enter it only in your network’s own prompt.

• To operate your account: showing your balance and history, routing payments to the right @username, and sending you verification codes and payment notifications.
• To process payments through Paystack, which receives the phone number and amount needed to complete each mobile money charge or transfer.
• To send SMS (verification codes, claim links) through our SMS provider.
• To prevent fraud and keep the service safe.

Every payment you make must be approved on your device with your fingerprint or face, which unlocks a hardware-protected key that never leaves your phone. All traffic between the app and our servers is encrypted (HTTPS). Transaction records are kept in a double-entry ledger that is continuously balance-checked.

We share data only with the service providers needed to run AfilaPay — Paystack (payment processing) and our SMS delivery provider — and when required by law or a competent regulator such as the Bank of Ghana.

• You can turn off push notifications in your phone’s settings at any time.
• You can disable your public pay page from the app.
• To close your account or request deletion of your personal data, contact us — transaction records may be retained where financial record-keeping laws require it.

Afila Inc · support@afilapay.com