Privacy Policy

1. Introduction

ChatFi ("we", "our", "us") provides a social commerce and payments platform that allows merchants to sell products and accept Naira and USDC payments. This Privacy Policy explains how we collect, use, and protect information when you use our platform, whether as a store owner, staff member, or buyer.

2. Information We Collect

We collect information you provide directly, including:

• Account details: name, email address, phone number
• Store information: store name, description, logo, policies
• Payment details: wallet addresses, bank account information for payouts
• Order and transaction data: purchases, shipping addresses, order history
• Communications: support requests, staff invitations

3. How We Use Your Information

• To operate and maintain your store and process transactions
• To facilitate payments in Naira and USDC between buyers and sellers
• To send order confirmations, shipping updates, and account notifications
• To detect and prevent fraud, abuse, and security incidents
• To improve our platform and develop new features

4. Custom Themes

If you upload a custom storefront theme, we sanitize and validate the submitted HTML and CSS before storing or rendering it. We do not execute uploaded scripts. Custom themes are rendered only on your own store page and are not shared with other merchants unless you explicitly choose to make them available through a template marketplace.

5. Data Sharing

We do not sell your personal information. We may share data with payment processors, hosting providers, and service providers strictly to operate the platform, or when required by law.

6. Data Security

We use industry-standard security practices, including encrypted sessions and access controls, to protect your data. However, no method of transmission or storage is 100% secure.

7. Your Rights

You may request access to, correction of, or deletion of your personal data by contacting us. Store owners can manage staff access and revoke permissions at any time from their dashboard.

8. Social Selling Assistant

If a store owner connects WhatsApp, Facebook or Instagram to ChatFi, the store assistant can answer customer messages on those channels. To do this we store the access token for the connected Page or number, the Page and account names, and the conversations between customers and the store, including message text and sender ID. We keep only the most recent messages of each conversation.

Customer messages, together with the product and store details needed to answer them, are sent to OpenAI, our AI provider, to write replies. Meta provides the WhatsApp, Facebook and Instagram messaging services and handles messages under its own privacy terms.

Store owners can disconnect a channel at any time, which removes its access token. Anyone can ask us to delete their data, including connected accounts and stored messages, on our data deletion page.

9. Contact Us

If you have questions about this Privacy Policy, contact us at hello@chatfi.pro.