Account & Data Deletion

1. Overview of Account Deletion

When you request to delete your BabsPay account, we initiate a process to permanently unlink, anonymize, and delete your profile and personal information across our servers and applications.

Please note that requesting account deletion is permanent and cannot be reversed once completed. You will lose access to your dashboard, virtual account numbers, referral bonuses, transaction discounts, and wallet balances. We strongly advise that you withdraw or exhaust any remaining wallet balance before submitting a deletion request.

2. Ways to Request Account Deletion

You can request the deletion of your account and associated personal data through any of the following convenient methods:

A Method 1: In-App Deletion (Mobile Application)

1. Open the BabsPay mobile app and log into your account.
2. Tap on Account / Profile in the bottom navigation bar.
3. Select Settings & Security.
4. Scroll to the bottom and tap Delete Account / Request Data Deletion.
5. Follow the on-screen prompts to confirm your identity with your account PIN/Password and submit your request.

B Method 2: Submit Web Request Form (Below)

If you have uninstalled the app or prefer to submit directly through this webpage, fill out the official deletion request form below:

C Method 3: Direct Email Support

You can also submit your request directly via email to our Data Protection Support team at support@babspay.com.ng using the registered email address associated with your BabsPay account, with the subject line "Account Deletion Request - [Your Phone Number/Email]".

3. What Data Is Deleted vs. Retained

Data That Is Permanently Deleted

• Personal Profile Data: Full Name, Username, Email Address, Phone Number, Profile Photo.
• Security & Credentials: Encrypted Passwords, Transaction PINs, Biometric credentials, and active session tokens.
• Device & App Data: Push notification tokens (FCM/OneSignal), Device IDs, and IP access logs.
• Preferences: Saved beneficiaries, frequent recharge numbers, notification preferences, and API webhook URLs.

Data Retained for Regulatory & Legal Compliance

As a digital financial and value-added telecommunication services provider operating in Nigeria under LAWADEY ENTERPRISE (CAC Reg. No. 7255363), BabsPay is subject to regulatory mandates, including the regulations of the Central Bank of Nigeria (CBN), the Nigeria Data Protection Act (NDPA), and Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT) guidelines.

• Financial Transaction Logs: Records of bill payments, VTU purchases, airtime swaps, wallet deposits, and transfers are retained securely in an encrypted audit ledger for the statutory retention period mandated by Nigerian financial law (typically up to 5 to 7 years) to prevent fraud, assist in financial auditing, and resolve disputes.
• KYC Verification Logs: Verification logs (such as BVN or NIN validation session audit timestamps) are retained only to the extent required by applicable law and regulatory audits, after which they are permanently purged.

4. Processing Timeframe & Verification

• Immediate Action: Upon submitting your request, your account login access is disabled to prevent unauthorized activity.
• Verification: Our support team may contact you via your registered email or phone to confirm the authenticity of the request.
• Completion: Complete data unlinking and deletion is processed within 7 to 30 business days. Once finalized, a confirmation notice will be sent to your registered contact channel.

5. Questions & Support

If you have any questions regarding your data privacy or account deletion, feel free to reach out to our team:

• Email: support@babspay.com.ng
• WhatsApp Support: +234 813 700 0125
• Entity: LAWADEY ENTERPRISE (CAC Reg. No. 7255363)