Overview & Core Principles
Encrypted & Safe
All data transmission is encrypted via 256-bit SSL/TLS protocol.
Zero Data Selling
We never sell, monetize, or rent your personal information to third parties.
Right to Deletion
You can request full account and data erasure anytime.
1 Information We Collect
When you create an account, fund your wallet, or make digital purchases on our platform, we collect the following types of information:
-
Personal Identifiers: Your full name, email address, phone number, and username supplied during registration or profile updates.
-
Financial & Virtual Account Data: Automated virtual bank account numbers allocated to your profile (e.g. via Monnify, PaymentPoint), wallet balance records, and transaction logs.
-
Security Credentials: Encrypted passwords and 4-digit transaction PINs used for purchase authorization. (PINs and passwords are cryptographic hashes and are never stored or accessible in plain text).
-
Transaction Beneficiary Details: Recipient phone numbers for airtime/data top-ups, meter numbers for electricity tokens, and smartcard/IUC numbers for cable TV subscriptions.
-
Device & Technical Diagnostics: Device type, OS version, IP address, and network request logs collected strictly for fraud prevention, server diagnostics, and rate limiting.
2 How We Use Your Information
We use the information we collect strictly to deliver automated, reliable, and secure VTU and digital payment services:
3 Third-Party Sharing & Service Providers
To perform our automated transactions, we share only the minimal required information with vetted third-party infrastructure providers:
Telecommunication Networks
Recipient telephone numbers and requested data bundle codes are transmitted to telecom networks (MTN, Airtel, Glo, 9mobile) to credit mobile lines.
Licensed Payment Gateways & Banking Partners
Payment partners (such as Monnify and PaymentPoint) process automated bank transfers and generate dedicated virtual deposit accounts.
4 Data Security & Storage
We implement industry standard physical, administrative, and technological security controls to ensure data protection:
- Transport Layer Security: All traffic between the mobile application, web portal, and our servers is encrypted using HTTPS / TLS 1.3.
- Credential Hashing: Passwords and transaction PINs are hashed using cryptographic one-way hashing algorithms (Bcrypt).
- Rate Limiting & Firewalls: API endpoints are secured against brute-force attacks and automated scrapers.
5 Data Retention & Account Deletion Policy
In compliance with Google Play Developer Policies and data protection regulations, users have full control over their personal data and account lifecycle:
How to Request Account & Data Deletion
You can request complete deletion of your account and personal data at any time through any of the following methods:
- Submit an online request directly via our Account Deletion Request Portal.
- From within the mobile app: Go to Settings / Profile → Delete Account and confirm with your PIN or password.
- Send an email from your registered email address to ikjm2211@gmail.com with the subject "Account Deletion Request".
- Contact our official customer support via the in-app WhatsApp / support channel.
Processing Time: Account deletion requests are verified and processed within 7 business days. Upon deletion, your personal identifiers and login access will be permanently removed. Financial transaction audit logs may be retained in anonymized format strictly as required by applicable Nigerian financial record-keeping laws.
6 Children's Privacy (COPPA Compliance)
Our application and services are not intended for or marketed to individuals under the age of 13. We do not knowingly collect personal identifiable information from children under 13. If you become aware that a child has provided us with personal data, please contact us immediately, and we will promptly delete such information.
7 Changes to This Privacy Policy
We may update our Privacy Policy periodically to reflect changes in our service features, security best practices, or regulatory requirements. Any modifications will be posted directly on this page with an updated "Last Updated" timestamp. Continued use of our app or web services constitutes acceptance of the modified policy.
8 Contact Information
If you have questions, inquiries, feedback, or concerns regarding this Privacy Policy or your data protection rights, please reach out to us: