Privacy Policy

1. Information We Collect

To provide secure escrow and transaction services, we may collect the following information.

Personal Information

For Buyers and Sellers:

• Full Name
• Email Address
• Mobile Phone Number
• Residential Address
• Pickup and Delivery Addresses
• Date of Birth (where required)

Identity Verification (KYC)

Depending on your verification tier, we may collect:

• Bank Verification Number (BVN)
• National Identification Number (NIN)
• Facial Verification (Selfie/Liveness Check)
• Government-issued Identification
• Proof of Address

For Business Accounts:

• CAC Registration Information
• Business Address
• Company Representative Information
• Business Bank Account Details

Financial Information

Where applicable:

• Bank Account Details
• Transaction History
• Escrow Payment Records
• Refund History

P2Guard does not store your debit or credit card details. Payments are processed through licensed payment service providers.

Logistics Information

To facilitate deliveries, we may collect:

• Pickup Details
• Delivery Details
• Shipment Tracking Information
• Rider Pickup Records
• Delivery Confirmation Records
• Package Images captured during pickup (where applicable)

Automatically Collected Information

We may automatically collect:

• Device Information
• IP Address
• Browser Type
• Operating System
• Login Activity
• Device Fingerprint
• Location Information (where permission is granted)
• App Usage Analytics
• Security Logs

2. Why We Collect Your Information

We use your information to:

• Create and manage your account.
• Facilitate secure escrow transactions.
• Verify user identities.
• Prevent fraud, impersonation and financial crimes.
• Process payments and refunds.
• Coordinate deliveries with logistics partners.
• Track transaction status.
• Improve platform security.
• Detect suspicious activities.
• Comply with legal and regulatory obligations.
• Improve our products and services.

3. Identity Verification

To maintain a secure marketplace, P2Guard may verify users through approved third-party identity verification providers.

Verification may include:

• BVN Verification
• NIN Verification
• Facial Recognition
• Liveness Detection
• Address Verification
• Bank Account Verification

Verification requirements may vary depending on your account type, transaction value and verification tier.

4. Sharing of Information

We only share information necessary to operate the platform.

Your information may be shared with:

• Licensed Payment Processors
• Logistics Partners (including GIG Logistics, Speedaf, DHL, Local Logistics Partners and other approved carriers)
• Identity Verification Providers
• Fraud Detection and Risk Assessment Providers
• Regulatory Authorities
• Law Enforcement Agencies where legally required

We do not sell, rent or trade your personal information.

5. Escrow & Transaction Records

P2Guard maintains transaction records to facilitate escrow services.

These records may include:

• Order Information
• Transaction Amount
• Payment Status
• Delivery Status
• Pickup Verification
• Delivery Confirmation
• Dispute History (where applicable)

These records help improve security, resolve issues and comply with legal obligations.

6. Data Security

We implement appropriate administrative, technical and organizational measures to protect your information, including:

• Encryption during transmission
• Secure storage
• Access controls
• Authentication mechanisms
• Activity monitoring

While we strive to protect your information, no method of electronic storage or internet transmission can be guaranteed to be completely secure.

7. Cookies & Similar Technologies

We may use cookies and similar technologies to:

• Keep you signed in
• Remember your preferences
• Improve platform performance
• Analyze usage patterns
• Enhance security

You may disable cookies through your browser settings, although some platform features may not function properly.

8. Data Retention

We retain your information only for as long as necessary to:

• Provide our services.
• Maintain transaction records.
• Prevent fraud.
• Resolve disputes.
• Meet legal and regulatory requirements.
• Enforce our Terms of Service.

9. Your Rights

Subject to applicable law, you may:

• Access your personal information.
• Correct inaccurate information.
• Request deletion of your personal information (subject to legal or transactional obligations).
• Withdraw consent where applicable.
• Object to certain processing activities.
• Request a copy of your personal information.

Requests may be submitted to: privacy@p2guard.com

10. Third-Party Services

P2Guard integrates with trusted third-party providers for services including:

• Payment Processing
• Identity Verification
• Logistics
• Notifications
• Analytics

Your use of these integrated services may also be subject to the privacy policies of those providers.

11. Children's Privacy

P2Guard is intended for users who are legally eligible to enter into binding transactions. We do not knowingly collect personal information from children without appropriate legal authorization.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, legal obligations or operational requirements.

Where significant changes are made, we will provide appropriate notice through the platform or by other reasonable means.

Your continued use of P2Guard after any update constitutes acceptance of the revised Privacy Policy.