Privacy Policy

Last updated: September 2026

Your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you use our VTU platform.

1. Data We Collect

We collect the following information to provide you with seamless VTU services:

Full Name
Email Address
Phone Number
Transaction History
State/coarse location
Wallet balances and virtual bank-account information
BVN/NIN for KYC
Saved beneficiaries and bulk-SMS recipients
SMS content and saved drafts
Profile photos
Customer-support conversations
User/account identifiers
Purchase and transaction history
Meter, smartcard and other service-account information
Payment/KYC providers that process this information
That data is not used for advertising or cross-app tracking

2. How We Use Your Data

Your information is used strictly for the following purposes:

Processing airtime, data, and utility transactions
Securing your wallet and account
Sending important service updates and notifications

                We do not sell, rent, or share your personal data with third parties for marketing purposes.
            

3. Security of Your Information

We implement industry-standard security measures, including encryption and secure servers, to protect your personal and transaction data.

All data handling is done in compliance with the Nigeria Data Protection Regulation (NDPR).

4. Third-Party Services

We use trusted third-party payment gateways such as:

Monnify
Paystack
Aspfiy
PayVesel

These providers may collect and process your banking information in accordance with their own privacy policies. We do not store full payment-card details. Card payments are processed securely by third-party payment providers. We may store and display user-specific virtual bank-account information, wallet balances and transaction records required to provide the service.

5. Account Deletion

You can permanently delete your account from the Profile screen in the MoreValue Digital mobile app. Before deletion, your wallet and referral balances must be zero and no transaction may be processing.

After confirmation, we first deactivate your Monnify virtual bank account, then remove or anonymize your personal profile, login credentials, KYC identifiers, saved beneficiaries, support conversations, saved drafts, and profile photo. If the virtual account cannot be deactivated, no profile data is deleted and you can retry or contact support. Your access is revoked immediately after successful deletion. We may retain limited transaction or regulatory records where required by financial, tax, anti-fraud, or other applicable laws. Retained records are restricted to those legal and compliance purposes.

6. Your Consent

By using our platform, you consent to this Privacy Policy and the collection and use of your information as described.

7. Policy Updates

We may update this Privacy Policy from time to time. Any changes will be posted on this page.