This policy explains what RetpicAfrica collects, why we collect it, and what control you have. We handle personal data in line with the Nigeria Data Protection Act and the NDPR.

1. What we collect

• Account details — your name, username, email address and phone number.
• Bank details — your bank, account number and the account name confirmed by your bank. We need these to pay you.
• Transaction records — deposits, plan purchases, earnings, withdrawals, and airtime, data or bill purchases.
• Task submissions — the proof you provide when completing a task or sponsored post.
• Technical data — IP address, device and browser information, and activity timestamps.

We do not store your card details, your bank login, or your BVN.

2. Why we use it

• To run your account and pay what you have earned.
• To confirm that the bank account you added really belongs to you.
• To detect and prevent fraud, duplicate accounts, and reward abuse.
• To provide support when you contact us.
• To meet legal, tax, and anti-money-laundering obligations.
• To improve the platform and decide which features to build next.

3. Your withdrawal PIN and password

Both are stored as one-way cryptographic hashes. Nobody at RetpicAfrica can read them, and we will never ask you for either.

4. Who we share it with

We share only what is necessary, and we never sell your data. Recipients are:

• Our payment partner, to verify your account name, receive your deposits and send your withdrawals.
• Our airtime, data and bill provider, which receives the phone, meter, or smartcard number for a purchase you requested.
• Hosting and infrastructure providers that operate our servers.
• Regulators or law enforcement, where we are legally required to respond.

5. How long we keep it

Account and transaction records are kept for as long as your account is open, and afterwards for the period Nigerian financial record-keeping rules require. Once that period ends, data is deleted or anonymised.

6. Your rights

You may ask us to:

• Show you the personal data we hold about you.
• Correct anything inaccurate.
• Delete your data, where no legal duty requires us to keep it.
• Restrict or object to certain processing.
• Provide your data in a portable format.

Email support@retpicafrica.com to make a request. We respond within 30 days, and we may ask you to confirm your identity first.

7. Security

We use encrypted connections, hashed credentials, database-level safeguards on every money movement, and automated checks for suspicious withdrawal activity. No system is perfectly secure, so please use a strong, unique password and keep your PIN private.

8. Cookies

We use a session cookie to keep you logged in, and local storage to remember your light or dark theme preference. We do not use advertising or cross-site tracking cookies.

9. Children

RetpicAfrica is for adults aged 18 and over. We do not knowingly collect data from children. If we learn that a minor has registered, the account will be closed.

10. Changes

If we update this policy, the date at the top changes and significant updates are announced in the app.

11. Contact

Questions or complaints about privacy can be sent to support@retpicafrica.com.

RetpicAfrica