Privacy Policy

Pikop — Privacy Policy

Last updated: September 15, 2026 — Version 0.1

1. Introduction

This Privacy Policy explains what personal data Pikop collects, why, how it is used and shared, and the rights available to Users under applicable Nigerian data protection law, principally the Nigeria Data Protection Act, 2023 (NDPA).

2. Information We Collect

2.1 Account and Identity Information

Name, phone number, email address, and password (or authentication credential).

For Fulfillers and Merchant contact persons: government-issued identity document images, selfie/liveness data, date of birth, sex, and home address, collected and verified through Pikop's identity verification partners (currently Prembly and Dojah).

For Riders and Drivers specifically: vehicle registration, licence, and (where applicable) insurance and roadworthiness documents.

For Merchants: business name, category, address, CAC registration number (where provided), and NAFDAC number (where applicable to the Merchant's category).

2.2 Location Data

Pickup and delivery addresses provided for orders.

Real-time GPS location of a Fulfiller during an active mission, shared with the relevant Customer(s)/Receiver for live tracking, and stopped once the mission concludes.

2.3 Payment and Financial Information

Payment card or bank transfer details are collected and processed by Pikop's payment partner, Paystack, and are not stored directly by Pikop beyond what is necessary for transaction records.

Wallet balances, transaction history, and payout bank account details (for Fulfillers and Merchants).

2.4 Communications Data

SMS sent via Pikop's messaging partner, Termii, including signup OTPs and, for guest (non-app) Payers/Receivers, payment links and live-tracking links.

In-app support communications and dispute submissions, including any photos submitted as evidence.

2.5 Usage Data

App interaction data, device information, and crash/diagnostic logs, collected to maintain and improve the Platform.

3. How We Use Information

To create and manage accounts, and to verify Fulfiller and Merchant identity/business credentials before permitting them to operate on the Platform.

To process orders, payments, and escrow release, including calculating and applying the fees described in our Terms & Conditions.

To provide live tracking and delivery confirmation.

To send transactional communications (OTPs, order updates, payment links, tracking links, receipts).

To send you offers and promotions, subject to your right to opt out at any time (see Section 3A).

To investigate disputes, prevent fraud, and enforce our Terms & Conditions.

To comply with legal obligations, including responding to lawful requests from regulators or law enforcement.

4. How We Share Information

Pikop shares personal data with the following categories of third party, each acting for a defined purpose:

Pikop does not sell personal data to third parties for their own independent marketing purposes.

5. Data Retention

Pikop retains personal data for as long as an account remains active, and thereafter for a period necessary to satisfy legal, accounting, dispute-resolution, and regulatory requirements.

6. Your Rights

Subject to the Nigeria Data Protection Act, 2023, Users may have the right to: access the personal data Pikop holds about them; request correction of inaccurate data; request deletion of data no longer necessary for the purposes it was collected; object to certain processing; and lodge a complaint with the Nigeria Data Protection Commission. Requests can be made through our support channels.

7. Data Security

Pikop applies technical and organisational measures appropriate to the sensitivity of the data involved, including restricting access to identity verification data, using secure connections for data in transit, and storing sensitive credentials (such as payment provider API keys) outside of client-side application code.

8. Children's Privacy

The Platform is not directed at, and Pikop does not knowingly collect personal data from, individuals under 18 years of age.

9. International Data Transfers

Some of Pikop's service providers (payment, identity verification, mapping, and messaging partners) may process data outside Nigeria. Where this occurs, Pikop takes steps intended to ensure an adequate level of protection consistent with NDPA requirements.

3A. Marketing Communications and Your Choices

3A.1 What we send. From time to time Pikop may send you offers, promotions, news, and product updates by email, SMS, and in-app notification. We do this on the basis of our legitimate interest in promoting our own services to our Users, and we limit it to what you would reasonably expect from a delivery and marketplace platform.

3A.2 Your choice, at any time. Promotional messages are switched on by default. You can opt out whenever you like, free of charge, in any of these ways:

In the app, go to Notifications and switch off "Offers & promotions".

Click the unsubscribe link included in our promotional messages.

Contact our support team and ask us to stop.

We act on opt-out requests promptly. We keep a record of your marketing preference and when it last changed, so that we can honour it.

3A.3 What opting out does not change. Opting out stops promotional messages only. You will still receive messages that are necessary to provide the service or protect your account, such as OTP codes, order and delivery updates, payment and wallet receipts, security alerts, and notices about changes to our Terms or this Policy.

3A.4 Who uses your details. We use your name, email address, and phone number for these promotions ourselves, and through service providers who send messages on our behalf and are bound to use your details only for that purpose. We do not sell or give your contact details to third parties for their own marketing. This is your right to object to direct marketing under Section 6.

10. Changes to This Policy

Pikop may update this Privacy Policy from time to time. Material changes will be notified through the app or by email/SMS before taking effect.

11. Contact Us

For questions about this Privacy Policy, or to exercise a data protection right, contact: privacy@pikop.com.ng.

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