Privacy policy
Last updated 17 October 2026
EclipsPay is a payments app operated by Monopause Limited ("we", "us"). This policy explains what personal data we collect when you use the EclipsPay app and website, why we collect it, who we share it with and the choices you have. We process personal data in line with the Nigeria Data Protection Act 2023.
What we collect
- Account details: your name, phone number, email address and password (stored only as a one-way hash), and your transaction PIN (also hashed).
- Identity checks (KYC): your BVN or NIN and the details returned by the verification service, such as your name and date of birth, when you upgrade your account.
- Transactions: transfers, deposits, bill payments, card activity and loans, including amounts, recipients' names and account numbers, references and dates.
- Device and security data: a device identifier, device name and operating system, app version, IP address, and sign-in history, used to keep your account secure.
- Support messages you send us.
Fingerprint and face unlock are handled by your phone. Your biometric data never leaves your device; the app only receives a yes or no from your phone's secure hardware. We do not access your contacts, photos, location or microphone.
Why we use it
- To open and run your account, give you an account number and process your payments.
- To verify your identity and meet our legal duties, including anti-money-laundering and fraud-prevention rules.
- To protect your account, for example by recognising your devices and blocking suspicious activity.
- To send you transaction, security and service notifications, and to answer your support requests.
We rely on the need to perform our contract with you, our legal obligations and our legitimate interest in keeping the service secure. We do not sell your personal data, and we do not use it for third-party advertising.
Who we share it with
- Our banking-as-a-service provider and its partner banks and payment networks, which hold your account number and move your money.
- Identity-verification services, to check your BVN or NIN.
- Bill, airtime, data and card providers, only with the details each payment needs.
- Regulators, law enforcement or courts when the law requires it.
How long we keep it
We keep your data while your account is open. After you close it, Nigerian anti-money-laundering rules require us to keep transaction and identity records for at least five years. We delete or anonymise everything else.
Security
Data is sent over encrypted connections (HTTPS). Passwords and PINs are stored as one-way hashes, and sensitive settings are encrypted at rest. Access by our staff is limited and logged.
Your rights
You can ask to see, correct or delete your personal data, object to some processing, or ask for a copy of your data. You can change most details in the app. To delete your account, use Settings → Delete Account in the app or this page. If you are unhappy with how we handle your data, you can complain to the Nigeria Data Protection Commission.
Children
EclipsPay is for people aged 18 and over. We do not knowingly open accounts for children.
Changes
If we change this policy, we will update the date above and tell you in the app when the change is significant.
Contact
Monopause Limited · in the app under Help & Support