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1. 📋 Introduction
Welcome to BudgetSub. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.
By using BudgetSub, you agree to the collection and use of information in accordance with this policy.
2. 📦 Information We Collect
We collect information you provide directly to us, including:
- Account Information: Full name, email address, phone number, and password when you register.
- Transaction Data: Details of every purchase, top-up, and payment you make on our platform.
- Payment Information: We do not store card details. Payments are processed by Paystack and Flutterwave, which have their own privacy policies.
- Device & Usage Data: IP address, browser type, pages visited, and time spent on the platform to improve our service.
- Communications: Messages you send us via chat, email, or our contact form.
2b. 🪪 NIN / BVN Verification — Special Data Handling
When you use our NIN/BVN Verification service, the following applies:
- We do not store NIN or BVN numbers. Your query is forwarded in real-time to our licensed API provider (NINBVNPortal). Only the transaction record (date, service type, charge amount) is retained in your account history.
- Consent is required by law. Under Section 26 of the NIMC Act 2007 and the NDPR 2019, you must obtain the explicit consent of the data subject before running any verification. By submitting a query, you confirm this consent was obtained.
- Verification results are displayed on-screen for your immediate use and are not stored on our servers beyond the session.
- Photos and biometric data returned by the API (e.g. passport photo from NIN record) are displayed only in your browser session and are never stored or transmitted to third parties by us.
- Our API provider complies with NDPR 2019 and processes data under a lawful basis. See their privacy terms at ninbvnportal.com.ng.
3. 🎯 How We Use Your Information
We use the information we collect to:
- Process your transactions and deliver services you purchase
- Maintain and manage your wallet and account
- Send you transaction receipts and important account notices
- Respond to your support requests and inquiries
- Detect and prevent fraud and unauthorised account access
- Improve our platform and develop new features
- Send promotional offers (you can opt out at any time)
4. 🔒 How We Protect Your Information
- All data transmitted between your device and our servers is encrypted using SSL/TLS.
- Passwords are hashed and never stored in plain text.
- Transaction PINs are encrypted and never accessible to our staff.
- We conduct regular security reviews and only allow authorised personnel to access user data.
- We do not sell, rent, or trade your personal information to third parties.
5. 🤝 Sharing of Information
We only share your information in the following limited circumstances:
- Service Providers: Telecom networks and bill payment providers receive your phone number and transaction details solely to fulfil your purchase.
- Payment Processors: Paystack and Flutterwave receive transaction data necessary to process payments.
- Legal Compliance: We may disclose information if required by law, court order, or government authority.
- Fraud Prevention: We may share information with fraud detection services to protect our users.
We will never sell your personal data to advertisers or marketing companies.
6. 🍪 Cookies
We use cookies and similar tracking technologies to improve your experience on our platform. Cookies help us:
- Keep you logged in across sessions
- Remember your preferences
- Understand how you use our platform to make it better
You can control cookies through your browser settings. Disabling cookies may affect your ability to use some features of the platform.
7. 🧒 Children's Privacy
BudgetSub is not intended for users under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information, we will delete it immediately.
8. ⚙️ Your Rights
You have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate data
- Request deletion of your account and associated data
- Opt out of promotional communications at any time
- Lodge a complaint with the relevant data protection authority
To exercise any of these rights, please contact our support team.
9. 🔄 Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting a notice on our platform or sending you an email. Continued use of BudgetSub after changes are made constitutes your acceptance of the updated policy.
Last updated: 2026 — BudgetSub
