Privacy Policy

1. Introduction

Infinity Africa respects your privacy and is committed to protecting the information of our merchants, their customers, and the transactions processed through our platform. This Privacy Policy explains what information we collect, how we use it, and the choices you have.

2. Information We Collect

Depending on how you use Infinity Africa, we may collect:

• Account information (name, email address, password)
• Business details (business name, category, nature of business)
• Contact details (phone number, physical address)
• Customer payment details submitted through collections, payment links, and invoices
• Transaction data (amounts, references, statuses, timestamps)
• API usage data (requests, API keys, webhook activity)
• Device and browser data (IP address, device type, log data)

3. Business Verification Documents

As part of merchant onboarding and verification, we collect:

• National Identification Authority (NIDA) details
• TIN certificate
• Business licence
• Physical address
• Nature of business

4. How We Use Information

We use the information we collect for:

• Account creation and management
• Merchant verification
• Payment processing
• Payment link and invoice management
• Transaction monitoring
• Fraud prevention
• Customer support
• Compliance with applicable laws and regulations
• API and account security

5. Payment and Transaction Data

Infinity Africa stores transaction references, statuses, amounts, payment methods, timestamps, and related metadata. This data is used for reconciliation, reporting, and to give merchants an accurate record of their collections, payment links, and invoices.

6. Data Sharing

Infinity Africa does not sell your personal information. Data may be shared with merchants (where necessary to notify them of a customer dispute or fraud review and request a response), payment providers, banks and mobile money operators, compliance and verification partners, service providers who support our platform, and lawful authorities where legally required — solely as necessary to provide and secure our services, review fraud or disputes, process refunds, or meet compliance obligations.

7. Data Security

Infinity Africa applies technical and organizational safeguards to protect information, including encryption of data in transit, access controls, audit logs, secure authentication, and restricted access to sensitive data on a need-to-know basis.

8. Data Retention

Infinity Africa retains records for as long as necessary for business operations, legal and regulatory compliance, audit purposes, and fraud prevention, even after an account is closed, where required by law or legitimate business need. Fraud, dispute, transaction, and compliance records — including documents submitted for review — may be retained for extended periods for legal, audit, security, and business purposes.

9. User Rights

Merchants may request access to, correction of, or an update to their information, or contact support for help with their account, subject to Infinity Africa's legal and regulatory obligations to retain certain records.

10. Cookies and Analytics

Infinity Africa uses cookies and similar technologies for essential purposes such as security, keeping you signed in, and session management, as well as basic analytics to help us understand and improve how our services are used.

11. API and Developer Data

For merchants and developers integrating with Infinity Africa, we store API keys, webhook delivery logs, and integration activity. This information is used for security monitoring, troubleshooting, and helping developers debug their integrations.

12. Children's Privacy

Infinity Africa's services are intended for businesses and merchants, not for children. We do not knowingly collect personal information from children.

13. Changes to This Privacy Policy

Infinity Africa may update this Privacy Policy from time to time. Continued use of the platform after changes take effect constitutes acceptance of the revised policy.

14. Fraud and Risk Monitoring Data

To detect and prevent suspicious activity, Infinity Africa may process transaction metadata, customer phone numbers, timestamps, payment amounts, device and browser data, provider references, payment attempt history, and dispute history. This data is used to run automated fraud rules, raise alerts for review, and inform decisions about account and transaction restrictions.

15. Supporting Documents

Infinity Africa may collect and store documents submitted for transaction review, disputes, onboarding, compliance, and merchant verification — including receipts, invoices, proof of delivery, customer communication, and product or service evidence. These documents are stored in access-controlled storage and are only ever retrieved via short-lived, signed links generated for authorized review.

16. Dispute and Chargeback Data

Infinity Africa may collect customer reports, dispute descriptions, transaction references, evidence files, refund records, and communication related to a dispute — whether submitted by a customer through our public reporting form or by a merchant responding to one. This data is used to review the dispute, communicate with the parties involved, and process a refund where appropriate.

17. Contact Information

For questions about this Privacy Policy or your information, contact Infinity Africa using the details below.