NYAABS PAY
PRIVACY POLICY
Effective Date: 01/10/2026
Last Updated: 01/10/2026
At Nyaabs Pay, we understand that your personal information is important. This Privacy Policy explains how 2A NYAABS ENTERPRISE, operating as Nyaabs Pay, collects, uses, stores, protects and shares your personal information when you use our website, application, wallet, USSD services, payment services or any other service we provide.
We aim to handle your information responsibly, transparently and in accordance with applicable Ghanaian data-protection laws.
By registering for or using Nyaabs Pay, you acknowledge that you have read and understood this Privacy Policy.
1. WHO WE ARE
Legal Name: 2A NYAABS ENTERPRISE
Service: Nyaabs Pay
Country: Ghana
For the purposes of this Privacy Policy, “Nyaabs Pay”, “we”, “us” and “our” refer to 2A NYAABS ENTERPRISE and the Nyaabs Pay service.
If you have questions about this Privacy Policy or how we handle your personal information, please contact us using the details provided below.
2. INFORMATION WE COLLECT
We may collect different types of personal information depending on how you use Nyaabs Pay.
2.1 Information You Provide Directly
This may include:
1. Full legal name
2. Ghana Card or other approved identification details
3. Date of birt
4. Telephone number
5. Email address
6. Residential or business address
7. Account login details
8. Wallet and account information
9. Bank or Mobile Money details
10. Source-of-funds information where required
11. Customer-support messages
12. Complaints and feedback and
13. Any other information you choose to provide to us.
2.2 Information Collected When You Use Our Services
When you use Nyaabs Pay, we may collect:
1. Transaction details
2. Payment amounts and fees
3. Recipient and sender information
4. Wallet balances and account activity
5. Airtime, data and bill-payment details
6. USSD activit
7. Device information
8. IP address
9. Browser type
10. Operating system
11. Mobile network information
12. Location information where enabled or legally permitted
13. Login records
13. Security and authentication information and
14. Information about how you interact with our platform.
2.3 Information We Receive from Other Parties
We may receive information from:
1. Banks
2. Mobile Money operators
3. Electronic money issuers
4. Payment service providers
5. Telecommunications companies
6. Billers and service providers
7. Identity-verification providers
8. Fraud-prevention providers
9. Regulators and government authorities
10. Business partners and
11. Other authorised service providers.
We may combine information received from these sources with information you provide directly to us.
3. HOW WE USE YOUR INFORMATION
We use personal information for legitimate business, service, security and legal purposes, including to:
1. Create and manage your Nyaabs Pay account
2. Provide wallet, payment, transfer and bill-payment services
3. Process top-ups, withdrawals and transactions
4. Verify your identity
5. Complete KYC and customer due diligence
6. Prevent fraud, theft, money laundering and terrorist financing
7. Detect and investigate suspicious or unauthorised activity
8. Protect customers, Nyaabs Pay and the payment system
9. Provide customer support
10. Investigate and resolve complaints and disputes
11. Send transaction confirmations and service notifications
12. Improve our products, services and technology
13. Maintain and secure our systems
14. Meet legal, regulatory and reporting obligations
15. Respond to lawful requests from regulators, courts or law-enforcement authorities
16. Enforce our Terms and Conditions and
17. Communicate with you about services, updates and important account information.
Where we send marketing communications, we will do so in accordance with applicable law and provide an appropriate way to opt out where required.
4. LEGAL BASIS FOR PROCESSING
We may process your personal information where:
1. It is necessary to provide a service you have requested
2. It is necessary to perform our agreement with you
3. You have given consent
4. It is necessary to comply with a legal or regulatory obligation
5. It is necessary to prevent fraud or protect the security of our services
6. It is necessary to protect your vital interests or those of another person or
7. It is necessary for a legitimate business purpose that does not unfairly override your rights.
Where we rely on consent, you may withdraw your consent where legally permitted. Withdrawing consent may affect our ability to provide certain services.
5. KYC, AML AND FRAUD PREVENTION
Because Nyaabs Pay provides payment and financial technology services, we may be required to collect and verify personal information to meet Know Your Customer, anti-money laundering, counter-terrorist financing, sanctions and fraud-prevention requirements.
This may include:
1. Verifying your identity
2. Checking identification documents
3. Confirming your address or contact details
4. Reviewing transaction activity
5. Monitoring account behaviour
6. Conducting enhanced due diligence
7. Screening against sanctions or other official lists; and
8. Requesting information about the source or purpose of funds.
We may restrict, suspend or refuse a transaction or account where necessary to protect you, comply with the law or manage security and financial crime risks.
6. HOW WE SHARE YOUR INFORMATION
We do not sell your personal information for money.
We may share personal information where reasonably necessary with:
1. Banks and financial institutions
2. Mobile Money operators
3. Electronic money issuers
4. Payment service providers
5. Telecommunications companies
6. Billers and service providers
7. Identity-verification providers
8. Fraud-prevention and security providers
9. Technology, hosting and cloud-service providers
10. Customer-support providers
11. Professional advisers
12. Auditors
13. Regulators and government authorities
14. Courts and law-enforcement agencies and
15. Other parties where permitted or required by law.
We require service providers handling information on our behalf to use appropriate safeguards and to process information only for authorised purposes.
We may also share information where necessary to protect the rights, safety, property or security of Nyaabs Pay, our customers or the public.
7. INTERNATIONAL DATA TRANSFERS
Some of our service providers or technology partners may process or store information outside Ghana.
Where personal information is transferred outside Ghana, we will take reasonable steps to ensure that the information is handled securely and in accordance with applicable data-protection requirements.
This may include using contractual protections, security measures or other safeguards required by law.
8. HOW WE PROTECT YOUR INFORMATION
We use reasonable technical and organisational measures to protect personal information against:
1. Unauthorized access
2. Loss
3. Theft
4. Misuse
5. Alteration
6. Disclosure and
7. Destruction.
These measures may include access controls, authentication, encryption where appropriate, monitoring, secure storage and staff confidentiality obligations.
However, no online service or electronic transmission can be guaranteed to be completely secure. You should also protect your phone, SIM card, password, PIN, OTP and other account credentials.
Nyaabs Pay will never ordinarily ask you to disclose your complete PIN or OTP.
9. HOW LONG WE KEEP YOUR INFORMATION
We keep personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy.
The length of time we retain information may depend on:
1. The purpose for which it was collected
2. The nature of the information
3. Our relationship with you
4. Legal and regulatory requirements
5. Financial-recordkeeping obligations
6. Fraud-prevention and dispute-resolution needs
7. Security and audit requirements and
8. The need to establish, exercise or defend legal claims.
When information is no longer required, we will take reasonable steps to securely delete, destroy or anonymise it, subject to applicable law.
10. YOUR RIGHTS
Subject to applicable law and any lawful limitations, you may have the right to:
1. Ask whether we hold personal information about you
2. Request access to personal information we hold about you
3. Request correction of inaccurate or incomplete information
4. Request deletion of information where legally permitted
5. Object to certain processing;
6. Request restriction of certain processing;
7. Withdraw consent where processing is based on consent
8. Request information about how your personal information is used and
9. Lodge a complaint with the appropriate data-protection authority.
Some requests may not be accepted where we are legally required to retain or process the information, or where processing is necessary for fraud prevention, regulatory compliance, security or legal proceedings.
We may need to verify your identity before responding to a request.
11. COOKIES AND SIMILAR TECHNOLOGIES
Our website or application may use cookies, device identifiers, analytics tools or similar technologies to:
1. Keep you signed in
2. Remember your preferences
3. Improve performance
4. Understand how customers use our services
5. Detect fraud and security threats and
6. Improve our products and user experience.
You may be able to control cookies through your browser or device settings. Disabling certain cookies or technologies may affect how some parts of Nyaabs Pay work.
12. CHILDREN'S PRIVACY
Nyaabs Pay is intended for persons who are at least 18 years old.
We do not knowingly provide accounts to children or intentionally collect personal information from persons who are not legally eligible to use our services.
If you believe that a child has provided personal information to us, please contact us so that we can review and take appropriate action.
13. THIRD-PARTY WEBSITES AND SERVICES
Nyaabs Pay may contain links to or connect with third-party websites, applications or services.
Those third parties may have their own privacy policies and practices. We are not responsible for how third parties collect or use information outside our services.
You should review the privacy notices of third-party providers before using their services.
14. TRANSACTION AND SERVICE COMMUNICATIONS
We may contact you through:
1. SMS
2. Email
3. In-app notifications
4. USSD
5. Telephone calls
6. Website notifications or
7. Other contact details linked to your account.
These communications may include:
1. Transaction confirmations
2. Security alerts
3. Password or PIN notifications
4. Account updates
5. Service interruptions
6. Complaint updates
7. Regulatory notices
8. Changes to our Terms or Privacy Policy and
9. Other information necessary to provide or protect the service.
Some communications are essential to the operation and security of your account and may continue even if you opt out of marketing messages.
15. MARKETING COMMUNICATIONS
Where permitted by law, we may send information about new features, products, promotions or services that may be relevant to you.
You may opt out of marketing communications by following the unsubscribe instructions provided or by contacting us.
Even if you opt out of marketing messages, we may still send important service, security, transaction and legal communications.
16. ACCOUNT CLOSURE
If you close your Nyaabs Pay account, we may continue to retain certain information where required by law, regulation, security requirements, dispute resolution or legitimate business needs.
Closing your account does not automatically require us to delete information that we are legally required to keep.
17. DATA BREACHES AND SECURITY INCIDENTS
If we become aware of a security incident involving personal information, we will assess the incident and take reasonable steps to contain, investigate and address it.
Where required by applicable law, we will notify affected customers, regulators or other relevant parties.
You should contact us immediately if you notice suspicious activity, unauthorized access or an unauthorized transaction involving your account.
18. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time to reflect:
1. Changes in applicable law
2. Regulatory requirements
3. Changes to our services
4. Changes to our technology
5. Changes to our business arrangements
6. New security practices or
7. Changes in how we process personal information.
Where required, we will provide appropriate notice of material changes.
The latest version will be made available through the Nyaabs Pay website or application.
19. CONTACT US
If you have questions, concerns or requests relating to this Privacy Policy or your personal information, please contact us through:
Legal Name: 2A NYAABS ENTERPRISE
Service: Nyaabs Pay
Country: Ghana
Privacy or Customer Support Email: info@nyaabspay.com
Customer Support: nyaabspay.com/support
Website: nyaabspay.com
Registered Address: Nkoranza South Kyiradeso
When contacting us, please provide enough information for us to understand and respond to your request. We may ask you to verify your identity before providing information or making changes to your account.
20. COMPLAINTS ABOUT PERSONAL INFORMATION
If you are unhappy with how we have handled your personal information, please contact us first so that we can investigate and try to resolve the matter.
You may also have the right to complain to the appropriate data-protection or regulatory authority in Ghana.
YOUR ACKNOWLEDGEMENT
By creating or using a Nyaabs Pay account, you acknowledge that:
1. You have read and understood this Privacy Policy
2. You understand how Nyaabs Pay may collect and use your personal information
3. You understand that certain information may be shared with authorised service providers and regulators where necessary
4. You understand that your information may be used for identity verification, fraud prevention, security and regulatory compliance and
5. You may contact Nyaabs Pay with questions or requests about your personal information.
