Privacy Policy
Last updated: October 2026.
1. What this policy covers
This Privacy Policy explains what personal information XandaApp collects, how we use it, and the choices you have. It applies to your use of our website, mobile app, and related services.
2. Information we collect
We collect information you give us directly (name, email, phone, password, BVN/NIN or passport details for identity verification, and payment details when you fund your wallet), information generated by your use of the Service (transaction history, device information, IP address, app usage), and information from third parties (identity verification partners, payment gateways, and, if you sign up using a referral link, the referral code used).
3. How we use your information
We use your information to create and maintain your account; process transactions (bill payments, transfers, withdrawals, crypto trades, referral bonuses); verify your identity as required by Nigerian financial regulations; detect and prevent fraud; send you transactional notifications and, where you've allowed it, other updates; and improve the Service.
4. Who we share it with
We share information with licensed payment gateways (to process card, bank transfer, and other payments), identity verification providers (to confirm your BVN/NIN/passport), regulators and law enforcement where required by law, and service providers who help us run XandaApp (hosting, customer support, analytics) under confidentiality obligations. We do not sell your personal information to advertisers.
5. Data security
We use industry-standard measures to protect your information, including encryption in transit, hashed passwords, PIN and biometric app locks, and two-factor authentication options. No system is perfectly secure, so we also encourage you to use a strong password, enable 2FA, and never share your PIN or verification codes with anyone -- XandaApp staff will never ask you for them.
6. Your choices
You can review and update most of your profile information in Settings. You can turn on or off SMS alerts, clipboard access, and other optional features from the same area. If you'd like your account closed and your data handled accordingly, you can request account closure in Settings, subject to the cooling-off period and regulatory record-keeping requirements described in our Terms.
7. Data retention
We retain your information for as long as your account is active, and afterward for as long as required by Nigerian financial recordkeeping regulations, to resolve disputes, and to enforce our agreements.
8. Children
XandaApp is not intended for anyone under 18. We do not knowingly collect information from children.
9. Changes to this policy
We may update this Privacy Policy from time to time. We'll let you know of material changes through the app or by email. Continuing to use XandaApp after changes take effect means you accept the updated policy.
10. Contact us
If you have questions about this Privacy Policy or how we handle your information, email us at info@xandaapp.com, or use the Feedback and Suggestions option in Settings.