Privacy policy

In short: we collect what is needed to run your account, secure it and comply with anti-money-laundering law. We sell no data and use no advertising trackers.

1. Data controller

AXELONIA SARL, limited liability company (sarl) with a share capital of 505 000 FCFA, Îlot 5467, Quartier Godomey Centre, Parcelle D — Abomey-Calavi, Bénin, RCCM RB/ABC/26 B 12072 — Cotonou. Contact for your data: [email protected].

2. Data we process

Data	Why	Basis
Name, email address, phone number, country, password (stored as a hash, never in clear)	Create and manage your account, sign you in, contact you	Contract
ID document, selfie, verification details	Verify your identity (legal obligation). Verification is performed by our specialised partner; we receive the result and the verified name	Legal obligation
Operations: amounts, currencies, dates, Mobile Money operator and number, beneficiaries, partner references	Carry out your operations, keep the books, handle claims	Contract, legal obligation
Device: app identifier on the phone, model, system, IP address, estimated country	Recognise your devices, alert you to unusual sign-ins, prevent fraud	Legitimate interest (security), legal obligation
Messages exchanged with support	Answer you	Contract

The app uses no advertising, no third-party analytics and never sells data. Your PIN and biometric data stay on your phone: biometrics are handled by the phone’s system and are never sent to us.

3. Recipients

Only authorised AXELONIA staff can access data, according to their role, and every access is logged. We share only what is strictly necessary with:

• our payment and identity-verification partners, to carry out operations and verify your identity;
• our technical providers: server hosting, network and attack protection (Cloudflare), email delivery (Brevo), encrypted backup storage;
• authorised authorities, when the law requires it (including the national financial intelligence unit).

Some providers may process data outside Benin; they are chosen for their security guarantees and bound by contract.

4. Retention

• Account data: for the life of the account;
• Identity-verification and operation data: 10 years after the end of the relationship, as required by anti-money-laundering and counter-terrorist-financing regulations;
• Security logs: 12 months;
• Support messages: 3 years after the last exchange.

5. Security

Encrypted connections (HTTPS), hashed passwords, administrative access protected by hardware security keys and a second factor, chained audit log on which any alteration is detectable, encrypted backups. No system is infallible: if a data breach puts you at risk, we will inform you and the competent authority.

6. Your rights

You can request access to your data, its correction, its deletion (subject to the legal retention periods above), object to processing or request portability by writing to [email protected] from your account’s email address. We reply within 30 days. You may also contact Benin’s personal data protection authority (APDP).

Deleting your account: see Delete my account.

7. Minors

AXELPAY is for adults (18 and over) only.

8. This website

axelpay.app sets no cookies, uses no analytics and loads no external resources. Our host’s technical logs (IP address, date, page requested) are used for security only.

9. Applicable law and changes

This policy is governed by Benin’s Law No. 2017-20 of 20 April 2018 on the Digital Code and, for people located in the European Union, by Regulation (EU) 2016/679 (GDPR). Any significant change will be announced in the app before it takes effect.