Privacy Policy

1. Information we collect

• Account details: your name, username, email address, phone number and password. Your password is stored in hashed form, not as plain text.
• Identity number for your wallet account: when you enter your NIN or BVN to get a dedicated account number, we send it once, securely, to our payment partner PalmPay to create that account. We do not save your NIN or BVN on our systems, and our staff cannot see it.
• Transaction records: what you buy, the amounts, wallet funding, and the details needed to complete a purchase, such as the phone number, meter number or decoder number you enter.
• Usage information: basic technical information such as pages visited, device and browser type, collected through Google Analytics and our own visitor counter.
• Messages to support: what you send us on WhatsApp or by email when you ask for help.

2. How we use your information

• To create and secure your account and log you in.
• To process your purchases and fund your wallet.
• To show your transaction history and receipts.
• To send account emails, such as welcome and password-reset messages.
• To answer support requests and investigate failed or disputed transactions.
• To prevent fraud and misuse, and to improve our services.

3. Who we share it with

We do not sell your personal information. We share only what is needed to run the service:

• PalmPay, to create your account number and receive wallet funding.
• Our service providers that fulfil your purchases (for example data, airtime, electricity, cable TV, SMS and eSIM providers). They receive the details needed to complete your order, such as the phone or meter number.
• Resend, our email provider, to deliver account emails.
• Google Analytics, to understand how the site is used.
• Authorities, where the law requires it or to protect our users from fraud.

4. How long we keep it

We keep your account and transaction records while your account is active and for as long as needed to resolve disputes, prevent fraud and meet legal or accounting obligations. You can ask us to delete your account (see section 6).

5. Security

We take reasonable steps to protect your information, including hashed passwords and restricted access to our systems. No online service can be completely risk-free, so please keep your password private and contact us immediately if you think your account has been accessed by someone else.

6. Your choices

You can ask us to show you the information we hold about you, correct it, or delete your account. Some records may need to be kept for legal or fraud-prevention reasons. To make a request, contact us using the details below. We handle personal data in line with applicable Nigerian data protection law.

7. Children

Our services are not meant for people under 18, and we do not knowingly collect information from them.

8. Changes to this policy

If we change how we use your information, we will update this page and the date at the top. If a change is significant, we will tell you in the app or by email.

9. Contact us

Email: Everythingsub.co@gmail.com