Privacy Policy

1. Introduction

Quickvtu ("we", "us", or "our") is a virtual top-up platform that allows users to purchase airtime, data bundles, pay electricity bills, cable TV subscriptions, and other services within Nigeria. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website at quickvtu.com and our mobile application (the "Service").

By creating an account or using our Service, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

We collect the following types of information:

• Account Information: Your name, email address, phone number, and password when you register for an account.
• Transaction Data: Records of airtime, data, bill payments, and wallet transactions you perform through the Service, including amounts, recipient numbers, and timestamps.
• Wallet & Payment Information: Your wallet balance, funding history, and bank transfer details. We do not store your card or bank account credentials.
• Device Information: Device model, operating system version, unique device identifiers, and push notification token (via Firebase Cloud Messaging) to deliver notifications.
• Contacts: When you explicitly grant permission, we access your device contacts to help you select recipients for bulk SMS and airtime top-ups. Contact data is processed on your device and is not permanently stored on our servers unless you submit a transaction.
• Biometric Data: If you enable biometric login (Face ID / fingerprint), the authentication is handled entirely by your device's secure enclave. We never receive or store your biometric data.
• Usage Data: How you interact with the Service, including log data, IP address, browser type, and pages visited.

3. How We Use Your Information

• To provide, operate, and maintain the Service and process your transactions.
• To fund your wallet and deliver purchased services (airtime, data, bill payments, etc.).
• To send you transaction confirmations, receipts, and important service notifications via push notifications, SMS, or email.
• To detect, prevent, and address fraud, unauthorized transactions, and security issues.
• To comply with applicable Nigerian financial regulations, including record-keeping obligations.
• To provide customer support and respond to your inquiries.
• To improve the Service, troubleshoot issues, and develop new features.

4. How We Share Your Information

We do not sell your personal information. We may share your data with the following categories of recipients:

• Service Providers: Third-party API providers that deliver airtime, data, electricity, and cable TV services on our behalf (e.g., VTU aggregators, bill payment gateways).
• Payment Processors: Banks and payment gateways used for wallet funding. These providers process your payment under their own privacy policies.
• Cloud Infrastructure: Hosting and notification services (e.g., Firebase for push notifications) that help us operate the Service.
• Legal Authorities: When required by Nigerian law, court order, or regulatory authority (e.g., CBN, NCC, or law enforcement).

5. Data Security

We implement industry-standard security measures to protect your personal information, including encrypted transmission (HTTPS/TLS), secure token-based authentication, and restricted internal access. Your wallet and transaction data are stored on secured servers with access controls. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your account and transaction data for as long as your account is active and as required by applicable Nigerian financial regulations. Transaction records are typically retained for a minimum of five (5) years after the last transaction date, as may be required by law.

7. Your Rights

You have the following rights regarding your personal data:

• Access: You can view your account information and transaction history within the app.
• Correction: You can update your profile information at any time within the app.
• Deletion: You can request deletion of your account by contacting us at quickvtu0702@gmail.com. Transaction records required by law may be retained even after account deletion.
• Withdraw Consent: You can revoke contacts and notification permissions at any time through your device settings.

8. Children's Privacy

Our Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy on this page and, where appropriate, through the app. Your continued use of the Service after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy, you can contact us at: