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Let’s Talk
Let’s Talk

Last Updated: [7th September 2025]

At Topupmate, your privacy is important to us. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website, mobile apps, APIs, and related services (collectively, the “Services”). By accessing or using our Services, you agree to this Policy.

Regulatory Note: We align with the NDPR and follow global best practices inspired by the GDPR.

1. Information We Collect

1.1 Personal & Business Information

Names, contact details, business profile, verification/KYC details (where applicable), billing details and preferences you provide during onboarding or in your account.

1.2 Transaction & Usage Data

Bill payment records, payment references, timestamps, amounts, product types (e.g., airtime, data, utilities), refund/reversal logs, and feature usage for troubleshooting and reporting.

1.3 Technical Data

IP address, device and browser information, app identifiers, error logs, and session data collected for security, performance, and analytics.

1.4 Third‑Party & Partner Data

Data we receive from payment processors, telecom/utility partners, fraud‑prevention providers, or identity verification vendors to enable secure transactions and compliance.

2. How We Use Your Information

  • Provide, operate, and improve the Services (including APIs, dashboards, and support).
  • Process transactions securely and resolve disputes or reversals.
  • Authenticate users, prevent fraud and abuse, and enforce our Terms.
  • Communicate updates, security alerts, feature releases, and marketing (you may opt out any time).
  • Comply with legal, tax, and regulatory obligations.
  • Generate aggregated, de‑identified analytics to improve performance and reliability.

3. Data Sharing & Disclosure

We do not sell your personal data. We may share information with:

  • Service Providers & Partners (e.g., payment, telecom, hosting, analytics, KYC) who process data on our behalf under strict contracts.
  • Affiliates within the Topupmate ecosystem to deliver integrated features (e.g., Academy, Boost), where relevant.
  • Regulators, law enforcement, or authorities when required by law or to protect rights, safety, and the integrity of our Services.
  • Business transfers in the event of a merger, acquisition, or asset sale, under confidentiality safeguards.

4. Data Security

We apply administrative, technical, and organizational measures to protect your information (including access controls, encryption in transit, monitoring, and regular reviews). No method is 100% secure, but we continuously improve our controls.

5. Your Rights

Subject to applicable law (including NDPR and similar frameworks), you may:

  • Request access to the personal data we hold about you.
  • Ask for corrections, updates, or deletion where legally permissible.
  • Object to or restrict certain processing, and withdraw consent where processing is based on consent.
  • Opt out of marketing communications at any time via provided links or by contacting us.

To exercise rights, contact us at hello@topupmate.com. We may require verification to protect your account.

6. Cookies & Tracking

We use cookies and similar technologies to keep you signed in, remember preferences, analyze usage, and enhance security. You can manage cookies in your browser settings. Some features may not function properly if cookies are disabled.

7. Data Retention

We retain information only as long as necessary for the purposes described in this Policy, to provide the Services, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods may vary by data type and regulatory requirements.

8. International Transfers

While headquartered in Nigeria, we may process data in other jurisdictions as we expand across Africa. Where transfers occur, we implement appropriate safeguards to protect your information.

9. Children’s Privacy

Our Services are intended for businesses and are not directed to children under the age of 13 (or the equivalent age of consent in your jurisdiction). We do not knowingly collect personal data from children.

10. Changes to this Policy

We may update this Policy from time to time. If material changes are made, we will notify you through the Services or via email. The “Last Updated” date will indicate the latest revision.

11. Contact Us

Topupmate Technology Ltd
Email: hello@topupmate.com
Website: https://topupmate.com

For data protection requests, please include your account email, business name, and a description of your request.