Privacy Policy

Tboss Data ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services. Please read this policy carefully.

1. Information We Collect

We collect the following types of information:

• Account Information: Your full name, email address, username, and password (encrypted).
• Identity Verification (BVN/NIN): Your Bank Verification Number (BVN) and/or National Identification Number (NIN), full name, and phone number, collected for the sole purpose of identity verification and account provisioning as mandated by the Central Bank of Nigeria (CBN) regulations. This information is submitted securely to our payment partners (Monnify) for KYC verification and is used to generate a dedicated virtual account for wallet funding.
• Transaction Information: Phone numbers, meter numbers, decoder numbers, transaction amounts, network provider selections, and transaction history.
• Wallet Information: Your wallet balance, funding records, and transfer history.
• Device Information: Device type, operating system, and app version for service optimization.
• Usage Data: How you interact with the app, including services accessed and frequency of use.

2. How We Use Your Information

We use your information to:

• Process airtime, data, electricity, TV/cable, betting, exam PIN, and bulk SMS transactions.
• Maintain and manage your wallet balance and transaction records.
• Send transaction confirmations, receipts, and important account notifications.
• Provide customer support and resolve disputes.
• Administer the referral and loyalty rewards programs.
• Detect, prevent, and address fraud or unauthorized activity.
• Comply with applicable Nigerian laws and regulations.

3. How We Share Your Information

We do not sell your personal data. We share information only with trusted third-party service providers necessary to deliver our services:

• Payment Processors: Paystack and Monnify to securely process wallet funding, identity verification (BVN/NIN), and reserved account provisioning.
• Service Providers: Bwsub and telecom network providers (MTN, Airtel, Glo, 9mobile) to fulfill airtime, data, and utility purchases.
• Regulatory Authorities: When required by Nigerian law, court order, or government regulation.

4. Data Security

We implement industry-standard security measures to protect your data, including AES-GCM encryption for sensitive credentials, transaction PINs for authorization, and secure API communications. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your transaction records and account information for as long as your account is active or as required by Nigerian financial regulations. You may request deletion of your account and associated data at any time by contacting our support team.

6. Your Rights

You have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate information.
• Request deletion of your account and personal data.
• Withdraw consent for data processing (which may limit app functionality).

7. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, please contact us and we will promptly delete it.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy within the app. Continued use of the app after changes constitutes acceptance of the updated policy.

9. Contact Us

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

• Email: support@tbossdata.com
• App: Tboss Data mobile application