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Privacy Policy

Last updated: January 2025

1. Introduction

Kuuza Africa Technologies Limited ("we," "us," or "our") respects your privacy and is committed to protecting the personal data of our users on the MyTopupNG platform. This Privacy Policy explains how we collect, use, store, and share your information when you use our website, mobile application, and related services.

2. Information We Collect

We collect the following types of information when you register and use our platform:

  • Personal Information: Your full name, phone number, email address (optional), and securely hashed passwords.
  • Transaction Data: Details of the services you purchase, recipient phone numbers, meter numbers, smartcard numbers, transaction amounts, and reference IDs.
  • Financial Data: Wallet balances and ledger history. We do not collect or store your local bank login details or full credit card numbers.
  • Device & Usage Data: IP addresses, browser types, device identifiers, and platform usage analytics to help us improve the platform.

3. How We Use Your Information

Your data is primarily used to provide and improve our VTU reselling services. Specifically, we use your information to:

  • Deliver the digital services you purchase (data, airtime, tokens, etc.).
  • Manage your wallet balances and process funding payments.
  • Send OTPs for account verification and security confirmations.
  • Provide customer support and resolve transaction disputes.
  • Monitor against fraudulent activity, unauthorized access, and money laundering.
  • Calculate and disburse referral commissions.

4. Data Storage & Security

We implement industry-standard security measures to protect your data. All sensitive credentials, including your login password and transaction PIN, are cryptographically hashed; we cannot see your raw password or PIN. Our databases are secured behind firewalls, and all communication between your device and our servers is encrypted using SSL/TLS.

5. Information Sharing

We do not sell your personal data to third parties. We only share information with trusted third-party partners when strictly necessary to fulfill your requests or comply with the law:

  • Service Providers: We share transaction-specific data (e.g., recipient phone number, meter number) with our fulfillment partners (like VTUGATE) solely to process your orders.
  • Payment Processors: We share necessary identity data with licensed payment gateways (e.g., Paystack) to process wallet funding payments via bank transfer.
  • Legal Requirements: We may disclose your information if required by Nigerian law, a court order, or governmental request to prevent or investigate fraud and financial crimes.

6. Cookies & Tracking

MyTopupNG uses cookies and similar tracking technologies to keep you logged in, remember your preferences, and track how you navigate the platform. You can configure your browser to reject cookies, though this may limit your ability to use certain features of the platform securely.

7. Your Rights

Under the Nigeria Data Protection Regulation (NDPR), you have the right to:

  • Access the personal data we hold about you.
  • Request corrections to inaccurate or incomplete data via your Settings page.
  • Request the deletion of your account and personal data (subject to legal data retention requirements for financial records).

8. Data Retention

We retain your personal data for as long as your account is active or as needed to provide you services. Because MyTopupNG facilitates financial transactions, we are legally required to retain transaction ledgers and associated basic identity data for a minimum statutory period even if you delete your account.

9. Children's Privacy

Our services are strictly intended for individuals who are 18 years of age or older. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such data, we will take immediate steps to delete it.

10. Changes to This Policy

We may update our Privacy Policy periodically. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

11. Contact Us

If you have any questions or concerns about our data practices, please contact our Data Protection Officer at support@mytopupng.com.