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Updated on April 20, 2026

Updated on April 20, 2026

Privacy policy

XBanq respects your privacy and is committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, when we share it, and the choices you have when using the XBanq app and related services.

XBanq respects your privacy and is committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, when we share it, and the choices you have when using the XBanq app and related services.

Information we collect

When you use XBanq, we may collect information such as:

  • Your name, phone number, email address, and other account details.

  • Identification information for verification purposes.

  • Transaction information, including transfers, bill payments, mobile money activity, scan-to-pay activity, savings activity, and commission earnings.

  • Device and usage information, such as app activity, device type, and technical logs.

  • Communication details when you contact our support team.

When you use XBanq, we may collect information such as:

  • Your name, phone number, email address, and other account details.

  • Identification information for verification purposes.

  • Transaction information, including transfers, bill payments, mobile money activity, scan-to-pay activity, savings activity, and commission earnings.

  • Device and usage information, such as app activity, device type, and technical logs.

  • Communication details when you contact our support team.

How we use your information

We use your information to:

  • Create and manage your account.

  • Process money transfers, bill payments, mobile money services, scan-to-pay transactions, savings, and commission earnings.

  • Verify your identity and help keep your account secure.

  • Detect fraud, prevent misuse, and protect our users.

  • Improve the app, customer support, and user experience.

  • Meet legal, regulatory, and compliance obligations.

We use your information to:

  • Create and manage your account.

  • Process money transfers, bill payments, mobile money services, scan-to-pay transactions, savings, and commission earnings.

  • Verify your identity and help keep your account secure.

  • Detect fraud, prevent misuse, and protect our users.

  • Improve the app, customer support, and user experience.

  • Meet legal, regulatory, and compliance obligations.

How we share your information

We do not sell your data. We only share it with:

  • Service providers that help us operate the app.

  • Financial partners, payment processors, and mobile money partners.

  • Regulators, law enforcement, or other authorities when required by law.

  • Other parties only when necessary to provide our services or protect the platform.

We do not sell your data. We only share it with:

  • Service providers that help us operate the app.

  • Financial partners, payment processors, and mobile money partners.

  • Regulators, law enforcement, or other authorities when required by law.

  • Other parties only when necessary to provide our services or protect the platform.

Data security

We use reasonable administrative, technical, and organizational safeguards to help protect your information from unauthorized access, loss, misuse, or alteration. No system is completely secure, but we work hard to protect your data.

We use reasonable administrative, technical, and organizational safeguards to help protect your information from unauthorized access, loss, misuse, or alteration. No system is completely secure, but we work hard to protect your data.

Data retention

We keep your information only for as long as needed to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.

We keep your information only for as long as needed to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.

Your rights

You may:

  • Access your personal information.

  • Update or correct your information.

  • Request deletion of your account and data.

  • Object to or restrict certain processing

You may:

  • Access your personal information.

  • Update or correct your information.

  • Request deletion of your account and data.

  • Object to or restrict certain processing

Account deletion

If you want to close your account, you can contact support and request deletion. Some information may need to be retained for legal, compliance, or fraud-prevention reasons.

If you want to close your account, you can contact support and request deletion. Some information may need to be retained for legal, compliance, or fraud-prevention reasons.

Children’s privacy

XBanq is not intended for children under the age required by Zambian law to create and use financial accounts.

XBanq is not intended for children under the age required by Zambian law to create and use financial accounts.

Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will post the updated version in the app or on our website.

We may update this Privacy Policy from time to time. When we do, we will post the updated version in the app or on our website.

Contact us

If you have questions about this Privacy Policy, contact us at support@xbanq.com.

If you have questions about this Privacy Policy, contact us at support@xbanq.com.

Everything you need for your money, all in one app. Send, pay, save, and earn — simply and securely.

Download the app

Everything you need for your money, all in one app. Send, pay, save, and earn — simply and securely.

Download the app

Everything you need for your money, all in one app. Send, pay, save, and earn — simply and securely.

Download the app

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