1. Information We Collect
We collect the following personal information when you register and use our Service:
- Full name, email address, phone number
- Bank account details (for withdrawals and loan disbursements)
- Transaction history and wallet activity
- Device information and IP address for security purposes
- Identity documents when required for KYC verification
2. How We Use Your Information
- Provide and maintain the Service (wallets, savings, loans, VTU, EasyNeccie)
- Process transactions and credit/debit your wallets
- Verify your identity and prevent fraud
- Communicate account updates and service notifications
- Comply with legal and regulatory requirements
- Improve our Service through analytics
3. Information Sharing
We do not sell your personal information. We may share data with:
- Banking partners — to process wallet funding, withdrawals, and payments
- VTU providers — to fulfill airtime, data, cable, and electricity purchases
- Payment gateways — Paystack, Flutterwave, Monnify for transaction processing
- Regulatory authorities — when required by law
4. Data Security
- Encrypted data transmission (TLS/SSL)
- Hashed passwords (bcrypt)
- Two-factor authentication (optional)
- Signed URLs for sensitive operations
- Role-based access controls for administrative functions
5. Data Retention
We retain your personal data for as long as your account is active. Transaction records are retained for a minimum of 6 years as required by Nigerian financial regulations.
6. Your Rights
- Access your personal data (available in your dashboard)
- Correct inaccurate information (via Settings)
- Request deletion of your account and data
- Opt out of promotional communications
7. Children's Privacy
Our Service is not intended for persons under 18. We do not knowingly collect data from minors.
8. Changes to This Policy
We may update this policy periodically. We will notify you via email or in-app notification of significant changes.
9. Contact
For privacy-related inquiries, contact our Data Protection Officer at privacy@getmorevalue.ng.