Privacy Policy for Osusu
Effective Date: January 1, 2025
Company: Pack'N'Pay
Location: Port Harcourt, Nigeria
Contact: +2349160009812
At Pack'N'Pay, the intellectual property owner and operating company behind the Osusu mobile application, we are deeply committed to maintaining the highest standards of privacy, data protection, and user trust. This Privacy Policy outlines, in comprehensive detail, how we collect, use, store, process, protect, and manage your personal data when you interact with the Osusu app, including any associated features, services, and third-party integrations. We believe that transparency is a foundational element of responsible data stewardship, and we want to ensure you understand exactly how your information is handled throughout your journey on our platform.
1. Who We Are
Osusu is a digital commerce and flexible payment platform wholly owned and managed by Pack'N'Pay, a registered business entity located in Port Harcourt, Nigeria. As the custodian of all intellectual property and digital infrastructure associated with Osusu, Pack'N'Pay assumes full responsibility for the processing and protection of your personal data. Should you have any questions or concerns regarding your privacy or data rights, you may reach out to us directly via our designated contact line at +2349160009812.
2. Types of Information We Collect
To deliver a secure, seamless, and personalized user experience, we collect only the information that is essential to the functionality and operation of the Osusu platform. Specifically, we collect the following categories of personal data:
Full Name: To identify you as a registered user and enable proper fulfillment of orders and verification processes.
Email Address: To send you account notifications, transactional updates, policy changes, marketing content (only with your consent), and support-related correspondence.
Phone Number: To facilitate communication regarding your orders, account status, security verifications (e.g., OTPs), and customer service interactions.
We also collect usage-related data through integrated analytics platforms such as Firebase Crashlytics, which anonymously tracks how users engage with the app, monitors system performance, and detects crashes or instability issues. This data is not used to identify individuals but rather to improve the reliability and functionality of the Osusu app.
We do not collect sensitive personal data such as biometric identifiers, government-issued identification numbers, or financial credentials unless explicitly required and authorized under applicable law.
3. Purpose of Data Collection and Use
Every piece of information we collect serves a clearly defined purpose, and we are committed to ensuring that no data is gathered or processed without justification. Your personal information is primarily used for the following purposes:
Know Your Customer (KYC) Verification: As part of our commitment to compliance with Nigerian financial and consumer protection regulations, we use your basic personal details to verify your identity, which helps prevent fraudulent registrations, misuse of the platform, and unauthorized transactions.
Order Fulfillment and Logistics Coordination: Your contact details allow our logistics department to properly package, dispatch, and deliver products or services ordered via the Osusu platform, as well as to reach out in case of delivery issues or confirmation requests.
App Improvement and Quality Assurance: Usage data collected through Firebase Crashlytics is used internally to monitor the app’s performance, detect bugs, and enhance the overall user experience. This data is anonymized and aggregated, and is never sold or used to create user profiles.
We do not engage in any form of unsolicited marketing using your data unless we have your explicit opt-in consent, and we do not use your data for automated decision-making or profiling that could impact your rights or access to our services.
4. Third-Party Payment Processors and Integrations
To enable secure and efficient processing of financial transactions within the app, Osusu integrates with trusted third-party payment service providers, including:
SquadCo
Paystack
Paypal
Flutterwave
These payment platforms operate under their own privacy and data protection frameworks, and only receive the necessary transactional information required to complete a payment, such as your name, transaction amount, and reference codes. Under no circumstances do we store your card details or banking login credentials on our servers. All sensitive payment data is processed directly by these PCI-DSS-compliant platforms through secure, encrypted channels.
We do not sell, rent, or otherwise commercialize your personal data in any form, and we only share data with third-party services that are essential to core app functionality.
5. User Control and Data Rights
Osusu is designed with user empowerment and data control in mind. As a registered user of our app, you have full control over the personal data you provide. You are entitled to:
Review and Update: You may access and edit your personal information (such as name, email, or phone number) within the app’s account settings.
Request Deletion: If you choose to stop using our services, you may submit a request to permanently delete your account and associated data. Once verified, your personal data will be removed from our systems in a manner consistent with regulatory and legal requirements.
Data Portability and Access: You may also contact us to request a summary of your stored personal data or inquire about how it has been used over time.
All such requests will be handled in a reasonable timeframe, and we reserve the right to verify your identity before processing sensitive account-related actions.
6. Security Measures and Data Protection
The security of your data is a core priority at Pack'N'Pay. We implement industry-standard security practices, including end-to-end encryption, secure transmission protocols (such as HTTPS and SSL), and server-side data protection strategies to safeguard all user information against unauthorized access, data breaches, or exploitation.
Internally, access to your data is strictly limited to authorized personnel who require it for operational purposes, such as logistics, support, or compliance, and all staff undergo training on data privacy protocols.
We regularly review and update our security infrastructure to respond to emerging threats and maintain the integrity of user data.
7. Children’s Privacy
The Osusu app is intended strictly for use by individuals who are 18 years of age or older. We do not knowingly collect, solicit, or process personal data from minors or anyone who does not meet the minimum age requirement. If we become aware that we have inadvertently received information from a user under the age of 18, we will take immediate steps to delete such information from our servers and restrict access.
8. Data Localization and International Transfers
We are committed to respecting the data sovereignty of our users. All data collected through the Osusu platform is stored and processed exclusively within Nigeria, and we do not transfer personal data to servers or third-party services located outside the country. This approach ensures that your information remains subject to Nigerian data protection laws and avoids exposure to jurisdictions with differing privacy standards.
9. Policy Changes and Notification
We reserve the right to update or modify this Privacy Policy as our services evolve or as legal and regulatory requirements change. In the event of significant changes that materially affect your rights or the way we handle your data, we will ensure that you are notified through multiple communication channels, including:
Email notifications
SMS alerts
In-app push notifications
We encourage users to regularly review this policy to stay informed of how their data is protected and managed. Your continued use of the Osusu app after receiving notice of changes constitutes your acknowledgment and acceptance of the updated terms.
10. Contacting Us
If you have any concerns, questions, or requests related to your personal data, data rights, or the content of this Privacy Policy, please feel free to reach out to our privacy compliance team at:
Pack'N'Pay
Port Harcourt, Nigeria
Phone: +2349160009812
By using the Osusu app, you acknowledge that you have read, understood, and agreed to the terms outlined in this Privacy Policy. Your trust is important to us, and we are committed to protecting your privacy with transparency, care, and accountability.