Privacy Policy

1. Scope

This Privacy Policy applies to the ZapVTU website, user dashboard, wallet, support channels and related services. By creating an account or using the platform, you acknowledge this policy.

2. Information we collect

Depending on how you use ZapVTU, we may collect:

• Account details such as full name, username, email address, phone number, state and password hash.
• Transaction details such as service type, network, recipient phone number, amount, reference, status and timestamps.
• Wallet and payment records, including funding source, balance changes and payment-provider references.
• Technical information such as IP address, browser, device information, session data and security logs.
• Support messages and other information you voluntarily provide.

3. How we use information

• To create and secure your account.
• To process airtime, data, bill-payment, exam-PIN and other supported transactions.
• To fund, debit, reconcile and protect your wallet.
• To prevent fraud, abuse, duplicate transactions and unauthorised access.
• To provide support, alerts, receipts and service notices.
• To improve reliability, troubleshoot failures and maintain audit records.
• To comply with applicable law, lawful requests and regulatory obligations.

4. Lawful basis for processing

We process personal information where necessary to perform our contract with you, comply with legal obligations, protect legitimate interests such as fraud prevention and platform security, or where you have given consent. You may withdraw consent where consent is the applicable basis, without affecting prior lawful processing.

5. When we share information

We may share only the information reasonably needed with service providers such as payment processors, telecom or bill-service suppliers, hosting and security providers, communications providers and professional advisers. We may also disclose information where required by law, court order or a lawful regulatory request.

We do not sell personal information.

6. Data security

We use administrative and technical safeguards designed to protect information, including access controls, encrypted connections, password hashing, transaction logs and security monitoring. No online system is completely risk-free, so users must also protect their login details and notify us promptly of suspected unauthorised access.

7. Data retention

We retain account and transaction records for as long as reasonably necessary to provide services, resolve disputes, detect fraud, maintain financial and security records, and satisfy legal or regulatory obligations. When information is no longer required, we may delete or anonymise it securely.

8. Your privacy rights

Subject to applicable law and lawful limitations, you may request access to your personal information, correction of inaccurate data, deletion, restriction or objection to certain processing, withdrawal of consent, and a portable copy where applicable. We may need to verify your identity before acting on a request.

You may also lodge a complaint with the Nigeria Data Protection Commission if you believe your data-protection rights have been infringed.

9. Cookies and session technologies

ZapVTU may use essential cookies and similar technologies to keep you signed in, protect sessions, remember preferences and understand basic platform performance. Blocking essential cookies may prevent login or other account features from working properly.

10. Children

ZapVTU is not intended for children who cannot legally enter into the required agreement or provide valid consent under applicable law. A parent or legal guardian should supervise any permitted use by a minor.

11. Changes to this policy

We may update this policy when our services, providers or legal obligations change. The updated version will be posted on this page with a revised effective date. Material changes may also be announced inside the platform.

12. Contact and privacy requests