Privacy Policy

313 GATEWAY LTD 1, Okashati Close, Off Constantine Street, Zone 4, Wuse, Abuja, Nigeria.

At 313 GATEWAY LTD (“we”, “our”, “us”), your privacy and trust are central to our mission of delivering secure, seamless, and innovative payment solutions. This Privacy Policy explains how we collect, use, disclose, and protect your information when you engage with our websites, applications, platforms, APIs, and services (collectively, the “Services”).

By using our Services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect information in the following categories:

a. Personal Identification Data

Full name, email address, phone number, residential or business address, date of birth.
National Identification Number (NIN), BVN, government-issued IDs (e.g., passport, driver’s license).

b. Financial Information

Bank account numbers, payment card details, transaction history, wallet IDs, virtual account details.
Billing details and settlement account information.

c. Technical & Usage Data

IP address, browser type, operating system, device model, device identifiers.
Geolocation data (when enabled), log data, and behavioral analytics (pages visited, features used).

d. Sensitive Data

Biometric data where required by partners (e.g., facial recognition, fingerprint authentication).
Data collected for AML/CFT, fraud prevention, and compliance checks.

e. Communication Data

Emails, support chats, voice recordings (if customer support calls are recorded).

2. How We Collect Information

Directly from you – when you sign up, complete forms, or transact.
Automatically – via cookies, tracking technologies, or system logs.
From third parties – financial institutions, regulatory bodies, fraud-prevention databases, credit bureaus, KYC providers.
Through integrations – APIs, SDKs, partner platforms, and payment networks.

3. Purpose of Processing

We use your data for:

Service Delivery: Provide and maintain our payment and financial technology services.
Compliance: Meet obligations under NDPR, GDPR, CBN guidelines, and global AML/CFT laws.
Security: Detect, investigate, and prevent fraudulent or unauthorized transactions.
Customer Support: Respond to inquiries, disputes, and technical issues.
Service Improvement: Analyze performance, conduct research, and enhance features.
Marketing (with consent): Send relevant product updates, promotions, and insights.

4. Lawful Basis for Processing

Our processing activities are grounded in:

Contract performance (to deliver Services you request).
Legal obligation (compliance with regulators).
Legitimate interest (fraud prevention, product development).
Consent (marketing, cookies, location tracking).

We may share your data with:

Regulators & authorities (CBN, NIBSS, EFCC, law enforcement, tax authorities).
Financial institutions (banks, switches, payment networks).
Service providers & vendors (KYC vendors, hosting providers, analytics tools).
Business partners (for integrations like wallets, card schemes, gateways).
Mergers & acquisitions (if ownership or structure changes).

⚠️ We do not sell personal information.

6. International Data Transfers

Data may be processed in Nigeria or outside, including the EU, US, and other jurisdictions. Where required, we rely on Standard Contractual Clauses (SCCs), adequacy decisions, or NDPR-compliant mechanisms to ensure lawful transfers.

7. Data Retention

We retain data for as long as necessary to:

Provide our Services.
Fulfill legal and regulatory obligations.
Resolve disputes and enforce agreements.

📌 Financial transaction data is generally retained for 7 years in line with CBN & AML directives.

8. Security of Information

We apply industry-leading safeguards:

PCI DSS Level 1 standards for payment card data.
Encryption in transit (TLS 1.2+) and at rest (AES-256).
Firewalls, intrusion detection, and regular penetration testing.
Strict access controls, with employee background checks.

9. Your Rights

Depending on applicable law (GDPR, NDPR, CCPA), you may:

Access a copy of your personal data.
Request correction of inaccurate information.
Request deletion (subject to legal retention requirements).
Withdraw consent for optional processing.
Object to automated decision-making or profiling.
Request data portability.

📧 Requests can be made via: privacy@313gateway.com

10. Cookies & Tracking

We use cookies, tags, and SDKs to:

Remember your preferences.
Improve performance.
Deliver targeted advertising (if consented).

⚠️ You can disable cookies in your browser, but some Services may not function optimally.

📧 privacy@313gateway.com 📞 +234 913 684 9736