Privacy Policy.

We collect personal information such as your name, email, and address to facilitate transactions. For sellers, we require identity documentation (KYC) to maintain our "Verified Seller" status.

• Account Basics: Name, email, phone number, and delivery addresses.
• Identity Verification: Government IDs and selfie verification for sellers and high-tier buyers.
• Usage Data: Device info, IP addresses, and browsing patterns to detect fraud and optimize the UI.

To ensure secure and traceable transactions, Ordvel maintains a sophisticated ledger system.

Ordvel Pay is Ordvel's internal ledger, not a custodial wallet. When a buyer pays for an order, Paystack processes the payment and settles the seller directly; Ordvel Pay keeps internal marketplace transaction records and account balances so the order, payment, and payout stay linked and auditable.

A seller's share of a sale is settled to them as soon as the buyer's payment is confirmed, not after delivery. Because Ordvel Mall controls fulfillment end-to-end, we don't need to hold seller funds while a package is in transit the way a peer-to-peer marketplace would. If a buyer is later refunded, the safeguard runs the other way: rather than reversing money the seller already has, we track the liability and deduct it from that seller's next settlement.

To pay a seller automatically, we ask for a bank account or Mobile Money number once, verify it, and keep only what's needed to reuse it not the full number itself. A bank account is verified by matching its registered name against your identity; a Mobile Money number is verified with a one-time SMS code sent to it. Once verified, we retain a masked reference (the last 4 digits, for you to recognize your own account) and a secure token issued by our payment processor, Paystack, that lets us route future payouts to it. The full account or phone number you entered is handled by Paystack at verification time and is not stored in Ordvel's own systems afterward.

When you request a refund, we collect order references, item details, and supporting evidence (images or video). These images are stored securely and used solely for QA review and dispute resolution.

Refunds follow a strict state machine: PENDING → APPROVED → PROCESSED. We track every state change to ensure your funds are returned accurately to your payment method.

In accordance with global financial standards and Ghanaian regulations, we collect and process specific identification data to prevent money laundering and terrorism financing.

• Biometric Data: For high-tier verification, we may process selfie data to match against your government-issued ID.
• Payout Destination Verification: Before a bank or Mobile Money account can receive automatic payouts, we confirm you actually control it by name-matching a bank account against your identity, or by a one-time SMS code for a Mobile Money number.
• Watchlist Screening: We cross-reference user data against international sanction lists and PEP (Politically Exposed Persons) databases.

To protect your assets, Ordvel utilizes real-time fraud detection systems that analyze metadata and behavioral patterns.

We retain financial and transaction data as long as your account is active or as required by Ghanaian tax and legal audit obligations. All communications with payment providers are encrypted, and sensitive records are protected by strict access controls and multi-factor authentication (MFA).

Under the Ghana Data Protection Act, 2012 (Act 843), you have the right to access your transaction history, request corrections to your personal data, or request account deletion (subject to pending financial obligations or legal holds).