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Privacy Policy

Last updated: 14 October 2026

This Privacy Policy explains how Handicap-Fan collects, uses, shares, and protects your personal and Financial information when you use our website and related services, whether as a creator, a fan, or a visitor. We are committed to handling your data lawfully, transparently, and in line with the Nigeria Data Protection Act 2023 (NDPA) and other applicable data-protection laws.

CONTENTS

1. Who we are

2. Information we collect

3. How we use your information

4. Legal bases for processing

5. How we share information

6. How we protect your information

7. How long we keep your information

8. Your rights

9. Cookies and similar technologies

10. Children

11. International transfers

12. Changes to this policy

13. Contact us

1. Who we are

Handicap-Fan is an online platform that enables adult creators to offer lawful photographs, videos, posts, and other digital content, centred on people with disabilities and their communities. Fans do not need to have a disability to use the platform. Fans may access free areas of the platform and, where offered, may purchase access to individual items, take out time-limited creator subscriptions, or make voluntary payments to creators. Pornographic and other adult content is not permitted on the platform.

In this policy, "Handicap-Fan", "we", "us", and "our" refer to Handicap Fan entity operating the platform.

"You" and "your" refer to the person using our services, whether as a creator, a fan, or a visitor to the website.

For the Purpose of Applicable data-protection law, Handicap-Fan acts as the data controller for the personal data described in this policy. If you have questions, you can reach our privacy team at info@handicap-fan.com.

2. Information we collect

We collect the following categories of information:

50. Account and profile information — Your name or alias, chosen username, email address, phone number, date of birth, gender, country and state of residence and profile photo.
51. Verification (KYC) information — Valid means of identification and any other details needed to verify your identity as required by our licensed payment partners and applicable regulation.
52. Content you upload and share — Photographs, videos, posts, captions, comments, and profile details. Creators are responsible for ensuring they have the consent of anyone else who appears in their content.
53. Financial and transaction information — purchases, subscriptions, voluntary payments, earnings, platform fees, withdrawals and payouts, the history of payments into and out of your account, and, for creators, the bank account details needed to pay you. Card and other payment details are collected and processed by our payment processor, Flutterwave; we receive confirmation of the transaction and limited details about it. We may also collect tax identification details where required by law or by our payment partners.
54. Usage and device information — log data, device identifiers, browser type, IP address, and how you interact with our features, collected to keep the service secure and to improve it.
55. Communications — messages you send within the platform, support requests, and feedback you provide to us.
56. Reports and moderation records — reports made about content or accounts, our review decisions, and any warnings, restrictions, or suspensions applied.

Some information is required to provide the service (for example, identity and age verification details for creators, and payout details needed to pay creators). If you choose not to provide it, we may be unable to offer some or all of our services.

3. How we use your information

We use your information to:

50. Create and administer your account, and verify your identity and that you are an adult.
51. Provide our services — host and display creator content, process purchases, subscriptions, and voluntary payments, calculate platform fees, and pay out creators' earnings.
52. Review and moderate content and accounts to enforce our rules, including the ban on pornographic, unlawful, or otherwise prohibited content.
53. Communicate with you about your account, transactions, security, and service updates, and respond to support requests.
54. Detect, prevent and investigate fraud, money laundering, and other prohibited activity, and meet our legal, tax, and regulatory obligations.
55. Maintain, secure, troubleshoot, and improve our platform, including analytics on how features are used.
56. Send you marketing communications, where you have agreed to receive them.

4. Legal bases for processing

Under the NDPA, we must have a lawful basis for processing your personal data. Depending on the activity, we rely on: performance of our contract with you (to deliver the services you sign up for); compliance with a legal or regulatory obligation (for example, KYC, anti-money-laundering, and tax rules); our legitimate interests (such as securing the platform, moderating content, and preventing fraud), balanced against your rights; and your consent, where we ask for it. Where we rely on consent, you may withdraw it at any time. The table below sets out the main purposes.

5. How we share information

We do not sell your personal data. We share it only as needed to run the service and meet our obligations, including with:

50. Other users and the public. Your username, profile, and the content you post are visible to others according to how the platform and your settings display them. Free content may be visible to anyone. Paid content is available to fans who have bought access. Creators receive only the information needed to deliver what a fan has bought, such as the fan's username. Anything you post publicly may be viewed, copied, or shared by others, so please think carefully before sharing information about your health or personal life.
51. Licensed Payment Processsorand Banking partners that process payments and facilitate withdrawals.
52. Identity-verification and fraud-prevention providers used to confirm your identity and age and to prevent fraud.
53. Service providers that host our infrastructure, send our emails and notifications, and provide analytics and customer support, under contracts that require them to protect your data.
54. Regulators, law-enforcement,courts, and other authorities where we are required to do so by law, or to protect our rights, users, or the public.
55. A successor entity in the event of a merger, acquisition, financing, or sale of assets, subject to this policy.

6. How we protect your information

We apply technical and organisational measures designed to protect your information, including encryption in transit, encryption of sensitive personal data at rest, access controls limiting who at Handicap-Fan can see identity and payment information, and monitoring. No method of transmission or storage is completely secure, so while we work hard to protect your data we cannot guarantee absolute security. Please keep your password and login Credentials confidential, and tell us immediately if you suspect unauthorised access. If a personal data breach occurs that is likely to put your rights and freedoms at risk, we will notify the Nigeria Data Protection Commission and, where required, you, within the timeframes set by law.

7. How long we keep your information

We keep your information for as long as your account is active and for as long afterwards as needed to provide the service, comply with our legal, tax, accounting, and regulatory obligations, resolve disputes, and enforce our agreements. Retention periods for financial records are typically set by applicable financial-services regulation. When information is no longer needed, we delete or anonymise it.

8. Your rights

Subject to applicable law, you have the right to access the personal data we hold about you, to request correction of inaccurate data, to request deletion, to object to or restrict certain processing (including direct marketing), to withdraw consent, to request a copy of your data in a portable format.

You can exercise many of these rights by contacting us using the details below. We may need to verify your identity before acting on a request, and some requests may be limited by our legal obligations (for example, Identity and other records we must retain).

We will respond without undue delay and within the timeframes required by law. You also have the right to lodge a complaint with the Nigeria Data Protection Commissionor with the data-protection authority where you live.

9. Cookies and similar technologies

We use cookies and similar technologies to keep you signed in, remember your preferences (such as light or dark mode), secure the service, and understand how it is used. Strictly necessary cookies are always on; analytics and marketing cookies are used only with your consent. You can review and change your choices at any time using the "Cookie preferences" link in the footer, or control cookies through your browser settings, though disabling some may affect how the service works.

10. Children

Handicap-Fan is intended for adults aged 18 and over. Creators must be at least 18 to join and to be paid, and we do not allow content that features anyone under 18. We do not knowingly collect personal data from anyone under 18. If you believe a minor has provided us with personal data or appears in content on the platform, please contact us immediately and we will take appropriate steps, including deleting the data and removing the content.

11. International transfers

Some of our service providers, including payment, hosting, and analytics providers, may process your information outside Nigeria.Where we transfer personal data across borders, we take steps to ensure it remains protected in accordance with the NDPA and this policy, including appropriate contractual safeguards.

12. Changes to this policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the 'Last updated' date above and, where appropriate, notify you on the website or by email. Your continued use of Handicap-Fan after an update means you accept the revised policy.

13. Contact us

If you have questions about this policy or how we handle your data, or if you would like to exercise your rights, contact Handicap Fan Limited at info@handicap-fan.com. We will respond within the timeframes required by applicable law.