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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.

Regulatory status

ZenvaPay is not yet licensed by the Central Bank of Nigeria. Licence applications are in progress, and the platform is being built to operate on licensed partners’ rails until our own licence is granted.

Documents in preparation

Each of these will be published in full before any account can be opened. They are being drafted with Nigerian counsel, which is why there is no placeholder version of them here.

  • Terms of Service

    In preparation

    Will be published before any account can be opened.

  • Privacy Policy

    In preparation

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

  • AML and KYC Statement

    In preparation

    How identity is verified and why some products require a higher tier.

  • Complaints Procedure

    In preparation

    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.