Privacy Policy – Viapa AI

Effective Date: September 15th, 2025

Viapa AI (“we,” “our,” “us”) values your trust and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services,

including the Viapa Wallet, Espees, delivery, e-commerce, ride-hailing, social integrations, and church-related platforms.

1. Introduction

Viapa (“Viapa,” “we,” “our,” or “us”) is committed to protecting your privacy and handling your personal data responsibly, transparently, and securely.

This Privacy Policy explains:

• What personal data we collect

• How and why we use it

• How we protect it

• Your rights and choices

This policy applies to all users of Viapa’s platforms, including our websites, mobile applications, APIs, and related services (collectively, the “Services”).

2. Who We Are

Viapa is a technology and orchestration platform that provides AI-powered digital services and secure payment initiation through integrations with regulated third-party providers.

Important:

Viapa operates a non-custodial model. We do not hold customer funds and do not store payment card details. Regulated financial partners retain custody and settlement responsibilities.

3. Information We Collect

3.1 Personal Information You Provide

We may collect:

• Name

• Email address

• Phone number

• Account credentials

• Communication preferences

• Support inquiries

3.2 Information Collected Automatically

When you use our Services, we may collect:

• Device and browser information

• IP address

• Log data and usage activity

• Approximate location (city/country level)

3.3 Financial & Transaction Information

• Transaction references and metadata

• Payment status confirmations

We do not store card numbers, CVVs, or banking credentials.

3.4 AI Interaction Data

When you interact with Viapa’s AI features, we may process:

• Prompts and queries

• AI-generated responses

• Interaction metadata

This data is used to provide and improve the service and is handled under strict security and governance controls.

4. How We Use Your Information

We use personal data to:

• Provide and operate our Services

• Authenticate users and secure accounts

• Facilitate payment initiation and transaction workflows

• Respond to inquiries and support requests

• Improve product functionality and user experience

• Meet legal, regulatory, and compliance obligations

• Prevent fraud, abuse, and security incidents

5. Legal Basis for Processing (GDPR & NDPR)

We process personal data based on:

• Consent – where you have given permission

• Contractual necessity – to provide our Services

• Legal obligation – compliance with applicable laws

• Legitimate interests – improving security, preventing fraud, and operating our platform responsibly

6. AI Transparency & Automated Processing

Viapa uses AI to enhance user experience and automate certain interactions.

• We clearly disclose when users are interacting with AI

• AI outputs are designed to assist, not replace, human judgment

• Viapa does not use AI to make irreversible decisions without human oversight

• Users remain responsible for decisions taken based on AI outputs

7. How We Share Information

We may share information with:

• Regulated financial institutions and payment providers (to complete transactions)

• Cloud and infrastructure providers (for hosting and security)

• Service providers and vendors supporting our operations

• Regulators or law enforcement, when legally required

All third parties are required to maintain appropriate security and confidentiality measures.

8. International Data Transfers

Your data may be processed in countries outside your country of residence.

Where required, we use appropriate safeguards such as:

• Contractual protections

• Regulatory-approved transfer mechanisms

• Security controls aligned with international standards

9. Data Retention

We retain personal data only for as long as necessary to:

• Provide our Services

• Meet legal and regulatory obligations

• Resolve disputes

• Enforce agreements

When data is no longer required, it is securely deleted or anonymized.

10. Data Security

We implement technical and organizational measures to protect personal data, including:

• Encryption in transit and at rest

• Access controls and multi-factor authentication

• Secure development practices

• Monitoring and logging

• Incident response and breach management procedures

11. Your Privacy Rights

Depending on your location, you may have the right to:

• Access your personal data

• Correct inaccurate data

• Request deletion of your data

• Restrict or object to processing

• Request data portability

• Withdraw consent at any time

To exercise your rights, contact us using the details below.

12. Children’s Privacy

Viapa’s Services are not intended for children under the age required by applicable law. We do not knowingly collect personal data from children without appropriate consent.

13. Changes to This Policy

We may update this Privacy Policy from time to time.

When we do, we will update the “Last Updated” date and, where appropriate, notify users through our platform.

14. Contact Us

If you have questions or concerns about this Privacy Policy or how we handle your data, please contact:

Privacy & Data Protection Office

📧 Email: privacy@viapaai.com

🌐 Website: https://www.viapaai.com/contact

15. Regulatory Notice (Nigeria & EU)

For Nigerian users, this policy complies with the Nigeria Data Protection Act (NDPA/NDPR).

For EU users, this policy complies with the General Data Protection Regulation (GDPR).