1. Who We Are
Rex Africa ("Rex Africa," "we," "us," "our") provides a financial technology platform that helps users
open and
manage wallets for fiat currency and stablecoins, move funds between wallet types, and send funds to
external bank accounts or blockchain wallet addresses. Rex Africa works with regulated and specialized
third‑party providers to deliver identity verification, banking, payment processing, settlement, and
compliance services.
2. Scope
This Privacy Policy explains how we collect, use, share, and protect personal information when you use
the Rex Africa mobile application, websites, and related services (the "Services"), including
onboarding,
identity verification, wallet creation, transfers, customer support, fraud prevention, reconciliation,
and compliance operations.
3. Information We Collect
We collect information in three ways: (A) you provide it, (B) we collect it automatically, and (C) we
receive it from third parties.
A) Information You Provide
- Account and profile information: name, email, phone number, date of birth, address,
and other profile details you choose to provide.
- Identity and business verification (KYC/KYB) information: identification details
and documentation (e.g., government‑issued ID details), selfies/liveness checks, proof of address,
and (where applicable) business details such as legal name, registration number, beneficial
ownership information, and corporate documents.
- Transaction and payment information: recipient details, bank account details,
blockchain wallet addresses, transfer amounts, timestamps, references/notes, and related metadata
needed to facilitate transfers and provide statements/receipts.
- Communications: messages, emails, and other communications with us (including
support requests), and any information you provide in surveys or feedback.
B) Information Collected Automatically
- Device and app information: device type, operating system, browser type, app
version, language, time zone, and diagnostic data.
- Identifiers and signals: device identifiers, IP address, approximate location
derived from IP, and security/fraud indicators (e.g., proxy/VPN signals).
- Usage information: interaction data such as screens viewed, features used,
clicks/taps, and event logs (e.g., OTP requested, verification started/completed, transfer
initiated).
C) Information We Receive from Third Parties
- Persona (KYC/KYB identity verification): verification outcomes and risk signals
such as identity verification status, document verification results, liveness checks, fraud
indicators, and KYB verification status (where applicable).
- Bridge (fiat currency and stablecoin wallet services and settlement): wallet
provisioning results, wallet status, transaction and settlement status, funding confirmations, and
related operational data needed to provide wallet services and process transfers.
- Rex Microfinance Bank ("RexMB") and other banking partners: account creation
status, local verification requirements (where applicable), account status, and transaction
confirmations.
- Payment processors and rail providers: funding confirmations, chargeback/return
events, settlement timing, and payment status updates.
- Compliance and screening providers: sanctions/PEP screening results, adverse media
flags, and transaction risk signals (including blockchain address screening and risk analytics where
relevant).
- Marketing/referral partners (where applicable): referral source data and campaign
attribution information (where permitted by law and your settings).
4. How We Use Your Information
We use personal information to:
- Provide and operate the Services — create and maintain your account; provision your
wallets automatically after successful onboarding and verification; facilitate transfers; provide
transaction history, receipts, statements, and notifications.
- Verify identity and meet legal obligations — KYC/KYB, sanctions screening, fraud
checks; comply with AML/CTF and other requirements; maintain records for audits and reporting.
- Prevent fraud and keep the platform safe — detect suspicious activity, secure
accounts, enforce limits, investigate incidents.
- Improve, troubleshoot, and develop the Services — analytics, bug fixes, feature
improvements.
- Communicate with you — OTPs, security alerts, service messages, transaction
updates, support.
- Marketing (where permitted) — product updates and offers; opt‑out available.
5. How We Share Your Information
We do not sell your personal information. We share information only as needed to run the Services, comply
with law, and protect users.
A) Service Providers and Partners
- Persona (KYC/KYB): identity/business verification and fraud prevention.
- Bridge (fiat and stablecoin wallet services and settlement): wallet provisioning,
settlement and transfer processing, transaction updates.
- RexMB and other banking partners: account provisioning, local verification
requirements, local transaction processing.
- Payment and settlement providers: funding, transfers, returns/chargebacks,
reconciliation.
- Infrastructure providers: hosting, cloud storage, security, analytics, customer
support, monitoring.
We require service providers to use information only for the services they provide and to protect it
consistent with law and contracts.
B) Legal, Compliance, and Safety
We may disclose information to comply with law or lawful requests, to protect RexGO and users, to
investigate violations, and to prevent fraud/financial crime.
C) Business Transfers
If Rex Africa is involved in a merger, acquisition, financing, reorganization, or sale of assets,
information
may be transferred as part of that transaction subject to confidentiality protections and applicable
law.
6. Cookies, Tracking, and Analytics
- Website cookies: used for authentication, preferences, performance, analytics, and
security. You can manage cookies through browser settings.
- App analytics and crash reporting: used to improve stability and user experience;
may include device/app identifiers and event data.
- "Tracking" (Apple App Tracking Transparency): Rex Africa does not engage in
cross‑app
tracking for targeted advertising unless we clearly disclose it and obtain required permission. If
we ever use tracking, you can control it via device settings and in‑app prompts.
7. Data Retention
We retain personal information as needed to provide the Services, comply with legal/regulatory
obligations (including AML recordkeeping), resolve disputes, and maintain security. Some records
(including identity verification and transaction logs) may be retained for multiple years as required
by law or partner obligations.
8. Security
We use safeguards designed to protect information, including access controls, encryption in transit,
monitoring, and vendor security reviews. No system is 100% secure.
9. Your Choices and Rights
Depending on your location, you may have rights to access, correct, delete, object to, or restrict
certain processing, and to opt out of marketing. Contact
[email protected]. We may verify your identity before fulfilling
requests; some data may be retained as required by law.
10. International Data Transfers
Rex Africa may process/store information in countries other than where you live. Where required, we use
appropriate safeguards consistent with applicable laws.
11. Children's Privacy
Rex Africa is not intended for children under 18 (or the age of majority where you live). We do not
knowingly collect data from children.
12. Third‑Party Links and Services
Third‑party links/services are governed by their own policies. Rex Africa is not responsible for
third‑party practices.
13. Changes to This Policy
We may update this policy. Material changes will be posted with an updated "Last Updated" date
(and additional notice where required).
14. Contact Us
Privacy questions/requests: [email protected]