Privacy Policy

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you access or use our website (http://yoursub.org), mobile applications (if available), dashboard, and related services for airtime top-up, data bundles, cable TV subscriptions, utility bills, exam pins, bulk SMS, airtime-to-cash, and other digital payment services ("Services").

This Policy is prepared in accordance with the Nigeria Data Protection Act (NDPA) 2023, the Nigeria Data Protection Regulation (NDPR) 2019, and other applicable Nigerian laws. By using our Services, you consent to the practices described in this Policy. If you do not agree, please do not use the Services.

We collect the following categories of information:

Personal Information you provide:

• Account details: Full name, phone number, email address, username, password/PIN.
• Identification/KYC data: Government-issued ID, BVN (where required for higher limits or withdrawals), date of birth, address.
• Transaction information: Phone numbers for recharges, meter numbers, smartcard/IUC numbers, amounts, beneficiaries.
• Payment information: Bank account details, payment reference codes (we do not store full card details).
• Communication: Support messages, feedback, or inquiries.

Automatically Collected Information:

• Device and usage data: IP address, browser type, device ID, operating system, access times, pages visited.
• Location data: Approximate location based on IP or settings.
• Cookies and similar technologies: Used for session management, analytics, and preferences.

Third-Party Sources:

Information gathered securely from payment gateways, telcos, utility providers, or identity verification services.

We use your information for the following legitimate purposes:

• To provide, process, and deliver the Services (e.g., recharges, bill payments).
• To verify your identity, prevent fraud, and comply with KYC/AML regulations.
• To manage your wallet, process deposits and withdrawals.
• To communicate with you (transaction alerts, updates, support).
• To improve our platform, analyze usage, and personalize your experience.
• To comply with legal obligations and enforce our Terms of Service.
• For marketing (with your consent or where permitted by law; you may opt out anytime).

We process your personal data based on:

• Your consent (where required).
• Performance of a contract (providing the Services).
• Legitimate interests (fraud prevention, service improvement, security).
• Legal and regulatory compliance (CBN, NDPA, etc.).

We do not sell your personal data to third parties for marketing purposes. We share only as necessary with:

• Service providers and partners: Telcos (MTN, Airtel, Glo, 9mobile), cable providers (DSTV, GOTV, etc.), utility companies, payment processors, and cloud hosting providers.
• Regulatory authorities: When required by law, court order, or government request (e.g., NITDA, CBN, law enforcement).
• Professional advisers: Lawyers, accountants, auditors for compliance and protection of our rights.
• Business transfers: In case of a merger, acquisition, or sale of assets.

We implement reasonable technical, administrative, and physical safeguards to protect your information, including encryption, firewalls, access controls, and regular security audits.

However, no system is completely secure. You are responsible for keeping your account credentials confidential.

We retain your personal data only as long as necessary for the purposes outlined in this Policy, to comply with legal obligations, resolve disputes, and enforce agreements.

Under Nigerian law, you have the right to:

• Access your personal data.
• Request correction of inaccurate or incomplete data.
• Request deletion (subject to legal exceptions).
• Withdraw consent (where processing is based on consent).
• Object to processing or request restriction.
• Data portability (in certain cases).
• Lodge a complaint with the relevant authority (NITDA).

To exercise these rights, contact us at the details below. We will respond within one month (or as extended under the law).

We use cookies to enhance functionality, analyze traffic, and provide personalized content. You can manage cookie preferences through your browser settings. Note that disabling certain cookies may affect platform functionality.

Your data is primarily processed in Nigeria. Where we transfer data outside Nigeria, we ensure appropriate safeguards are in place in line with NDPA requirements.

Our Services are not directed at children under 18. We do not knowingly collect data from minors. If we become aware of such collection, we will take steps to delete it.

We may update this Policy from time to time. We will notify you of material changes by posting the updated version on our website and updating the effective date. Continued use after changes constitutes acceptance.

For any questions, requests, or complaints regarding this Privacy Policy or your data: