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Legal

Where we stand.

The short version, before the documents exist: we are not licensed yet, we are not taking money, and you cannot open an account.

How we hold your money

Customer balances are held separately from the money that runs the business, and every balance is the sum of its own recorded entries rather than a figure we keep. It reconciles nightly.

Our policies

The agreements that govern your account, and how we handle your information.

  • Privacy Policy

    What we collect, why, how long we keep it, and your rights under the Nigeria Data Protection Act.

  • Terms of Service

    The agreement between you and ZenvaPay when you open an account.

  • AML and KYC Statement

    How identity is verified, and why some products ask for more than others.

  • Complaints Procedure

    How to raise a complaint, and what happens after you do.

This website

This site describes a product under construction. It is not an offer, an invitation, or a solicitation to buy any financial product or service, and nothing on it should be read as financial advice.

We do not use analytics or advertising trackers on this site, and we set no cookies. Your theme preference is stored in your own browser and is never sent to us.

Getting in touch

Everything — questions, complaints, press, security reports — goes to hello@zenvapay.com until the formal channels described in the documents above are in place.