Privacy Policy

1.1  Data we collect

We collect only the personal information strictly necessary to authenticate your profile and manage your payment plans securely:

• Authentication data — full name, email, and profile picture, provided securely through Google Sign-In (OAuth). We never collect or store manual passwords.
• Contact data — your phone number and email address.
• KYC data — standard identity details provided during account setup to protect platform integrity and verify account security.
• Transaction ledger data — your purchase history, outstanding plan balances, installment schedules, and merchant confirmation-code logs.

1.2  How we use your data

• To sign you in securely across your devices through Google Sign-In.
• To track ongoing installments and keep your remaining balance with the merchant up to date.
• To send push notifications about payment updates, plan reminders, and order confirmations.

1.3  Data sharing & third parties

• Monnify — we securely pass the parameters needed to process wallet top-ups and bank transfers.
• With merchants — we share only limited, relevant details (such as your name and confirmation code) so the merchant can confirm your plan and coordinate handover. We never expose your private financial details.

2.1  Data we collect

We collect the operational and identity data required to host and maintain your storefront:

• Authentication data — full name, email, and profile picture, provided securely through Google Sign-In (OAuth).
• Business profile — your business name, store links, product descriptions, pricing, inventory listings, and business address.
• KYC data — basic verification details provided during merchant onboarding to maintain platform safety and trust.
• Settlement & transaction data — bank account details used strictly for automatic payout settlements, along with your store’s processing history and active ledger logs.

2.2  How we use your data

• To host, generate, and serve your public store checkout links.
• To manage customer installment tracking and calculate your store wallet balance.
• To notify you when a customer makes a deposit, clears a plan balance, or requests an item release.

2.3  Data sharing & third parties

• Monnify — your settlement bank details are securely shared with Monnify to route automatic payouts to your business bank account.
• With customers — your public store name, business address, and inventory are shared openly through your store link so buyers can discover and complete their orders.

The following applies to both customers and merchants.

3.1  Data retention

• Dormant accounts — accounts inactive for a continuous 12-month period are flagged for closure, and their associated personal files are queued for removal.

3.2  Account deletion Google Play compliant

You can request full deletion of your account and data at any time, from either app.

• How to request — send a deletion request from your registered email address to support@korra.com.ng.
• Processing window — once we verify ownership, your profile identifiers, historical logs, and Google authentication links are removed from our live databases within 30 days.
• Active balance exception — if your account holds a live, uncompleted payment plan or an unresolved store balance, deletion is paused until that balance is cleared between both parties.

3.3  Security safeguards

• All data moving between your app and our servers is protected with industry-standard TLS/SSL encryption.
• Korra does not sell, rent, or trade your personal information, store records, or transaction logs to advertisers or data brokers under any circumstances.
• All payments are processed over secure NIP bank networks via Monnify. Korra never processes, handles, or stores raw card numbers.