16 — Pody Guide
Account & data
Managing your profile, security, and closing your account.
Your profile, notification preferences, security settings, and linked payment details all live under Profile in the app.
Security settings
- Change your password, when you still know the current one.
- Set up, change, or reset your six-digit transaction PIN.
- Turn on two-factor authentication, so a one-time code is emailed to you at every sign-in.
Turn on two-factor authentication
It is the single most effective thing you can do to protect an account that holds a wallet balance and a credit limit.
Deleting your account
Account deletion is immediate, permanent, and can only be started from inside the app. Any outstanding repayments, fees, or dues must be settled before a deletion request can be processed.
Deletion cannot be undone
You lose access to your purchase history and instalment schedules the moment you confirm. Export your statement first.
Data we must keep
As a regulated BNPL platform, some records survive account deletion because Nigerian law requires it.
Data categoryRetentionLegal basis
KYC / identity data5 yearsAML obligations & FCCPC guidelines
Transaction records6 yearsNigerian tax & FCCPC compliance
Credit & repayment records7 yearsCredit Reporting Act 2017
Student / academic data3 years post-closureDispute resolution
Communication logs2 yearsInternal policy