Trust, Transparency, and Compliance
At Servinux, we believe that secure payments are built on a foundation of trust. These policies outline our commitment to protecting your business, your data, and your customers within the Nigerian regulatory landscape.
1. Merchant Terms of Service
Last Updated: October 1, 2025These Terms govern your relationship with Servinux’s digital payment infrastructure, including our checkout gateway, virtual accounts, and automated invoicing. By creating an account, you partner with us to ensure a safe, compliant, and efficient financial environment in Nigeria.
1.1 Safeguarding Your Merchant Account
You are the primary guardian of your account security. While we provide advanced encryption, you are responsible for keeping your Secret Keys and passwords confidential. Servinux will never ask for your credentials. If you suspect any unauthorized activity, notify our security team immediately.
1.2 Transparent Processing Fees
Servinux operates with a philosophy of "no hidden costs." Processing fees are clearly detailed on our pricing page and are automatically deducted before your daily settlement. We commit to providing at least 30 days' notice for any structural changes to our fee schedule.
1.3 Responsible and Lawful Use
Our infrastructure is built to empower legitimate commerce. Use of Servinux for prohibited activities—including fraudulent schemes, illegal goods, or any activity violating the Central Bank of Nigeria (CBN) guidelines—will result in immediate suspension and reporting to the relevant authorities.
2. Privacy & Data Protection (NDPR)
Last Updated: October 1, 2025Your data privacy is not just a policy; it is a right. Servinux strictly adheres to the Nigeria Data Protection Regulation (NDPR) to ensure that merchant and customer information is handled with the highest level of care and security.
2.1 What We Collect & Why
We only collect data necessary to process payments and keep your business safe:
- Merchant Identity: Information required for KYC (Know Your Customer) and AML (Anti-Money Laundering) compliance.
- Transaction Integrity: Tokenized card data and bank details required for secure fund movement.
- Fraud Prevention: IP addresses and behavioral data used to identify and block suspicious transaction patterns.
2.2 Data Sovereignty
We do not sell your personal or business data to third parties. Data is shared only with authorized financial partners and regulators as required to complete your transactions and maintain legal compliance within the Nigerian financial ecosystem.
3. Security Standards & Disputes
Updated: June 1, 2025Security is the core of our engineering. We invest heavily in maintaining world-class standards to protect every Kobo that passes through our gateway.
3.1 PCI-DSS Level 1 Security
Servinux operates at a **PCI-DSS Level 1** standard, the highest in the payment industry. By using our tokenized checkout, you ensure that sensitive card data never touches your servers, drastically reducing your business’s security liability.
3.2 Fair Dispute Management
We provide a dedicated interface to help you manage chargebacks and payment disputes. Our goal is to protect merchants from friendly fraud while ensuring a fair resolution process in line with Mastercard and Visa network rules.
4. Cookies & Experience
Last Updated: October 1, 2025We use cookies to keep you logged in, remember your dashboard preferences, and analyze how we can make our platform faster for you. By using Servinux, you agree to our use of these essential and analytical tools.
5. Get in Touch with Legal
Have questions about your data or our terms? Our compliance team is here to provide clarity.
Email: [email protected]
Lagos Office: Servinux Compliance, Innovation Tower, Victoria Island, Lagos, Nigeria.