V-XPRESS Privacy Policy

Last Updated: October 6, 2026

V-XPRESS NIG LTD ("V-XPRESS", "Company", "we", "us", or "our") respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you access or use the V-XPRESS application, website, and related services (collectively, the "Services").

By registering for, accessing, or using the Services, you acknowledge that you have read and understood this Privacy Policy.

1. Who We Are

V-XPRESS is operated by V-XPRESS NIG LTD.

V-XPRESS provides a platform that facilitates transactions between users, including escrow services, payment processing, transaction management, communication, and related services.

This Privacy Policy applies to personal information processed through the V-XPRESS application, website, and related Services.

2. Information We Collect

We may collect different categories of information depending on how you use the Services.

2.1 Account and Registration Information

When you register for a V-XPRESS account, we may collect:

Full name
Email address
Phone number
Account credentials
Account type or role
Bank account information
Profile information
Registration information
Other information necessary to provide the Services

You are responsible for providing accurate and up-to-date information.

2.2 Identity Verification and KYC Information

Because V-XPRESS operates services involving financial transactions and escrow, we may be required to verify your identity and financial information for compliance, security, and fraud-prevention purposes.

Depending on the circumstances, we may collect:

Government-issued identification documents
Passport information
Driver's licence information
Utility bills
Bank statements
Affidavits or other verification documents
Business registration documents for corporate users
Date of birth
Bank account information
Information required to verify ownership of a bank account
Other information reasonably required for identity verification

We may obtain, verify, and record this information directly or through third-party identity-verification providers.

V-XPRESS may use this information to comply with applicable Know Your Customer (KYC), anti-money laundering, counter-terrorism financing, fraud-prevention, and other regulatory requirements.

2.3 Transaction and Escrow Information

When you initiate, participate in, or complete a transaction through V-XPRESS, we may collect:

Buyer and seller information
Transaction details
Transaction amount
Escrow information
Payment status
Disbursement information
Order or service details
Transaction dates and timestamps
Dispute information
Evidence submitted during disputes
Communication records relevant to a transaction

This information is used to facilitate transactions, administer escrow services, process disbursements, investigate disputes, and maintain appropriate transaction records.

2.4 Payment Information

V-XPRESS may process information relating to payments made through the Services, including:

Payment amount
Payment reference
Transaction reference
Payment method
Payment status
Bank account information
Other information required to process or verify a transaction

Payments may be processed through third-party payment processors.

Where payment information is handled directly by a third-party payment processor, that provider may process your information under its own privacy policy and terms.

We do not intentionally store sensitive payment authentication information, such as your card PIN, where such information is handled directly by the applicable payment processor.

2.5 Information About Your Use of the Services

We may collect information about how you use V-XPRESS, including:

Transactions you initiate or participate in
Services you access
Account activity
Support requests
Disputes
Reviews or feedback
Messages or communications through the platform
Security-related activity

This information helps us operate the Services, provide support, prevent fraud, and improve the platform.

2.6 Device and Technical Information

When you use the V-XPRESS application or website, we may automatically collect certain technical information, including:

Device type
Operating system
Application version
IP address
Device identifiers where permitted
Network information
Browser information
Error and crash information
Log information
Security and diagnostic information

We use this information to maintain security, troubleshoot technical problems, improve performance, and operate the Services.

2.7 Location Information

Where a V-XPRESS feature requires location information and you grant the applicable permission, we may collect or process:

Approximate location
Precise location
Pickup location
Delivery location
Location associated with a transaction or service

Location information may be used to provide location-based functionality, facilitate services, improve transaction coordination, and enhance platform security.

You can control location permissions through your device settings. Disabling location access may affect features that require location information.

2.8 Communications and Support Information

If you contact V-XPRESS support or communicate through the Services, we may collect:

Your name
Contact information
Messages
Support requests
Attachments you choose to provide
Transaction information relevant to your request
Communication records

We use this information to respond to requests, investigate disputes, resolve issues, and provide customer support.

3. How We Use Personal Information

We may use personal information to:

Create and manage your account.
Authenticate users.
Provide and operate the V-XPRESS Services.
Facilitate escrow transactions.
Process payments and disbursements.
Verify identities and bank-account information.
Perform KYC and due-diligence procedures.
Prevent fraud and unauthorized transactions.
Detect and investigate suspicious activities.
Investigate and resolve disputes.
Provide customer support.
Communicate with users about their accounts and transactions.
Send service-related notifications.
Maintain transaction and financial records.
Improve the security, functionality, and performance of the Services.
Diagnose technical problems.
Comply with applicable laws and regulatory requirements.
Protect V-XPRESS, our users, and other persons from fraud, abuse, or security threats.
Enforce our Terms and Conditions and other agreements.

4. Legal and Regulatory Compliance

V-XPRESS may process personal information to comply with applicable Nigerian laws and regulations.

This may include requirements relating to:

Know Your Customer (KYC)
Anti-Money Laundering (AML)
Counter-Terrorism Financing (CFT)
Fraud prevention
Financial transactions
Regulatory reporting
Law enforcement requests

Where required, we may report suspicious activities or transactions to appropriate regulatory or law-enforcement authorities.

We may also delay, restrict, suspend, or withhold certain transactions or disbursements where necessary for identity verification, fraud prevention, dispute resolution, or regulatory compliance.

5. How We Share Information

We do not sell your personal information.

We may disclose or share information where reasonably necessary to operate the Services, complete transactions, protect users, or comply with legal obligations.

5.1 Payment Providers

We may share relevant information with payment processors to process, verify, and reconcile payments and transactions.

5.2 Identity Verification Providers

We may use third-party identity-verification providers to verify identity documents, bank-account information, and other information required for KYC and due diligence.

5.3 Cloud and Technology Providers

We may use third-party infrastructure and technology providers for services such as:

Cloud hosting
Database hosting
Authentication
Application infrastructure
Security
Notifications
Analytics
Error and crash reporting
Communication
Customer support

These providers may process information on our behalf and are expected to process it for the purposes for which it was provided.

5.4 Transaction Participants

When necessary to complete a transaction, we may share relevant information with the other participants in that transaction.

For example, information may be shared between a buyer and seller where necessary to facilitate the transaction, communication, delivery, confirmation, or dispute-resolution process.

5.5 Legal and Regulatory Authorities

We may disclose information where reasonably necessary to:

Comply with applicable laws
Respond to lawful requests
Comply with court orders
Respond to regulatory requirements
Investigate suspected fraud
Prevent illegal activity
Protect the rights, safety, or property of V-XPRESS or others

6. Third-Party Services

V-XPRESS may integrate with or rely on third-party services, including payment processors, identity-verification providers, cloud infrastructure providers, and other technology providers.

The Terms and Conditions specifically acknowledge the use of payment processors, identity-verification providers, and cloud infrastructure services.

Third-party providers may have their own privacy policies and terms governing their processing of personal information.

We encourage users to review the privacy policies of relevant third-party providers where appropriate.

7. Data Security

We take reasonable technical and organizational measures to protect personal information against unauthorized access, alteration, disclosure, loss, misuse, or destruction.

Security measures may include:

Encryption in transit
Authentication controls
Access controls
Secure infrastructure
Monitoring and logging
Restricted access to personal information
Security updates
Backup and recovery procedures

However, no electronic transmission or storage system can be guaranteed to be completely secure.

You are responsible for keeping your account credentials and security information confidential.

8. Data Retention

We retain personal information for as long as reasonably necessary to:

Provide the Services
Maintain your account
Complete transactions
Resolve disputes
Prevent fraud
Maintain transaction records
Meet legal and regulatory obligations
Protect the security of our Services
Enforce our agreements

Because V-XPRESS provides escrow and transaction-related services, certain financial, identity-verification, and transaction information may need to be retained for periods required by applicable law or regulatory requirements.

When information is no longer required, we will delete, anonymize, or securely dispose of it where reasonably possible and legally permitted.

9. Account Deletion

You may request deletion of your V-XPRESS account.

To request account deletion, use the account deletion option provided within the V-XPRESS application, where available, or contact us using:

Email: support@vxpress.ng

When we receive a valid deletion request, we will process the request in accordance with applicable law.

Some information may be retained where required or permitted by law, including information necessary for:

Financial and transaction records
KYC and AML compliance
Fraud prevention
Security
Dispute resolution
Legal claims
Regulatory obligations

Information retained for these purposes will be protected and retained only for the period required or permitted.

10. Your Privacy Rights

Depending on applicable law, you may have rights regarding your personal information, including the right to:

Request access to your personal information.
Request correction of inaccurate information.
Request deletion of personal information.
Request information about how your personal information is processed.
Object to certain processing.
Request restriction of certain processing.
Withdraw consent where processing is based on consent.

Some requests may be limited by legal, regulatory, security, or financial-record requirements.

To exercise applicable privacy rights, contact us at:

support@vxpress.ng

11. Children's Privacy

V-XPRESS Services are intended for users who are legally permitted to use the Services.

Under our Terms and Conditions, users must be at least 18 years old and have the legal capacity to enter into a binding agreement.

We do not knowingly collect personal information from children in violation of applicable law.

If you believe that a child has provided personal information to us, please contact us at support@vxpress.ng.

12. Cookies and Similar Technologies

Our website and Services may use cookies or similar technologies to:

Maintain functionality
Improve security
Remember preferences
Understand website usage
Improve user experience
Diagnose technical issues

You may control cookies through your browser settings.

13. International Data Processing

Some of our technology and service providers may process or store information outside Nigeria.

Where personal information is transferred or processed internationally, we will take reasonable steps to protect the information and comply with applicable legal requirements.

14. Fraud Prevention and Security Monitoring

We may process account, device, transaction, identity, and other relevant information to detect and prevent:

Fraud
Money laundering
Terrorism financing
Unauthorized transactions
Account takeover
Identity fraud
Suspicious activity
Platform abuse
Other unlawful activity

We may restrict or suspend accounts where we reasonably suspect fraud, unlawful activity, or violations of our Terms and Conditions.

15. Reviews, Messages and User Content

If you submit reviews, ratings, messages, comments, documents, photographs, or other information through V-XPRESS, we may process that information to provide the relevant feature, support transactions, resolve disputes, or provide customer support.

You should avoid submitting sensitive personal information through public reviews or other areas where the information may be visible to other users.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to:

Our Services
Technology
Data-processing practices
Legal requirements
Regulatory requirements
Security practices

When we update this Privacy Policy, we will change the "Last Updated" date at the top of this page.

Where required by applicable law, we may provide additional notice regarding material changes.

17. Contact Us

If you have questions, concerns, complaints, or requests regarding this Privacy Policy or your personal information, please contact us:

V-XPRESS NIG LTD

Email: support@vxpress.ng

Phone: +234 706 391 2506

Website: https://vxpress.ng/

18. Acceptance

By registering for or using V-XPRESS, you acknowledge that you have read and understood this Privacy Policy.

This Privacy Policy should be read together with the V-XPRESS Terms and Conditions.

V-XPRESS NIG LTD Privacy Policy Last Updated: October 6, 2026