Privacy Policy

OR World ("we", "our", or "us") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use the OR World platform. By using our services, you consent to the practices described in this policy.

We collect the following types of information:

• Personal identification information — name, email address, phone number, date of birth
• Financial information — bank account details, transaction history, wallet balances
• Identity documents — government-issued ID, BVN (for KYC verification)
• Device information — IP address, browser type, device identifiers
• Usage data — pages visited, features used, transaction timestamps

We use your information to:

• Create and manage your account
• Process transactions and provide services
• Verify your identity for KYC compliance
• Send transaction confirmations and account notifications
• Detect and prevent fraud and unauthorized activity
• Improve our platform and develop new features
• Comply with legal and regulatory obligations

We do not sell your personal data to third parties. We may share your information with:

• Service providers who assist in operating our platform (e.g. payment processors, cloud hosting)
• Law enforcement or regulatory authorities when required by law
• Our KYC verification partners for identity verification
• Fraud prevention services to protect users

All third-party partners are contractually obligated to handle your data securely and only for specified purposes.

We implement industry-standard security measures to protect your data, including:

• End-to-end encryption for all sensitive data transmissions
• Secure password hashing using bcrypt
• HTTP-only cookies for session management
• Regular security audits and vulnerability assessments
• Restricted access to personal data within our organization

While we take every precaution, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

OR World uses cookies and similar tracking technologies to maintain sessions and improve user experience. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some parts of the platform may not function properly without cookies.

We retain your personal data for as long as your account is active or as needed to provide services. We may retain certain information for up to 7 years after account closure to comply with Nigerian tax and financial regulations.

You have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate information
• Request deletion of your account and associated data (subject to legal retention requirements)
• Withdraw consent for marketing communications at any time

To exercise any of these rights, please contact us via the Contact page.

OR World is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has created an account, we will immediately delete their information.

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or a prominent notice on the platform. Continued use of the platform after changes constitutes acceptance of the updated policy.

If you have any questions or concerns about this Privacy Policy, please contact us via the Contact page.