Privacy Policy

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1. Introduction

Welcome to Ay Global Data ("Company", "we", "our", "us"). We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our mobile applications, or use our APIs. Please read this Privacy Policy in conjunction with our Terms of Service.

This policy complies with the Nigerian Data Protection Act (NDPA), the Nigeria Data Protection Regulation (NDPR), and global best practices including Google Play Developer policies.

2. Information We Collect

To provide you with secure and seamless VTU and fintech services, we collect the following types of information:

  • Personal Identification Information: Full name, email address, phone number, and password when you register.
  • Financial Information: Virtual Bank Account numbers generated for you and transaction history.
  • Technical & Device Data: IP address, device type, operating system, unique device IDs (such as Android ID), and App version for fraud prevention, push notifications, and security monitoring.

3. Ephemeral Processing (NIN, BVN, and CAC)

Our primary goal is your security and data privacy. To provide specific services such as Identity Verification (NIN and BVN) and Corporate Affairs Commission (CAC) Business Registration, we request certain sensitive information and documents. Please be explicitly informed that:

  • Ephemeral Processing: Your NIN and BVN are processed ephemerally. They are only transmitted securely in real-time to the verification portal to generate your printout/result. We do NOT store, save, or log your NIN or BVN in our databases.
  • Document Deletion: For CAC registrations, the documents, photos, and signatures you upload are used strictly and solely for the purpose of fulfilling your business registration request. Once the registration is successfully submitted and processed, all uploaded files, documents, and images are permanently deleted from our servers. We do not retain them, nor do we share them with any third parties.

4. Contacts and Device Information

We request access to your Contacts (READ_CONTACTS permission) strictly to allow you to easily pick phone numbers from your phonebook when purchasing Airtime or Data. We do not upload, sync, or store your contact list on our servers. We also collect Device Hardware IDs solely for fraud prevention and to ensure account security.

5. How We Use Your Information

We use your data exclusively to operate and improve our services:

  • To process your Data, Airtime, Utility Bills, and Exam Pin purchases instantly.
  • To process and facilitate your CAC Business registration requests safely.
  • To manage your auto-funding wallet and track referral commissions.
  • To prevent fraud, money laundering, and unauthorized account access.
  • To send you important system alerts, OTPs, and customer support messages.

6. Data Sharing & Third Parties

Ay Global Data does not sell, rent, or trade your personal information. We only share necessary data with trusted third parties under strict confidentiality agreements:

  • Payment Processors: Financial institutions to facilitate your virtual accounts and wallet funding.
  • Telecom & Utility Providers: MTN, Airtel, Glo, 9Mobile, and Electricity distribution companies to fulfill your top-up orders.
  • Law Enforcement: We will disclose information if required by Nigerian law, court order, or to assist in investigations by agencies like the EFCC or Police to prevent cybercrime.

7. Data Security

We implement industry-standard security measures to protect your data. All personal and financial data transmitted between your device and our servers is encrypted in transit using secure protocols (HTTPS). We use military-grade encryption for stored sensitive data and support Biometric (Face ID/Fingerprint) login on our mobile apps to protect against unauthorized access, alteration, or destruction.

8. Account & Data Deletion (Right to be Forgotten)

In strict compliance with Google Play Store, Apple App Store policies, and NDPA regulations, you have the right to request the complete deletion of your account and associated personal data from our servers.

How to request account deletion:

Option A: Via the App/Web Dashboard

  1. Log in to your Ay Global Data App or Web Dashboard.
  2. Navigate to My Profile by clicking the User icon.
  3. Scroll down to the "Danger Zone" section.
  4. Click on "Request Account Deletion". Our administrative team will manually review to ensure there are no pending funds or fraudulent activities, and your data will be permanently erased within 7 days.

Option B: Via Email (Off-App Method)

If you cannot access your account, you can request data deletion by sending an email to Support@ayglobaldata.com with the subject "Account Deletion Request". Please include the phone number or email registered to your account for verification.

Note: We may securely retain certain core transaction records (without personal identifiers) for up to 5 years strictly for compliance with the Central Bank of Nigeria (CBN) and anti-money laundering (AML) laws.

9. Your Privacy Rights

Under the NDPA, you have the right to:

  • Request access to the personal data we hold about you.
  • Request correction of any inaccurate or incomplete data.
  • Object to our processing of your personal data.
  • Request restriction of processing your data.

10. Children's Privacy

Our services are strictly designed for users who are 18 years of age or older. We do not knowingly collect personal or financial data from children. If we become aware that a minor has provided us with personal information without verifiable parental consent, we will take immediate steps to delete such data and close the associated account.

11. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance your browsing experience, analyze app and web traffic, and secure our platform. These tools help us remember your preferences and keep your sessions secure. You can manage or disable cookie preferences through your browser or device settings at any time.

12. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our operational practices, regulatory requirements, or new features. We will notify you of any significant updates via in-app notifications, dashboard alerts, or email. Continued use of our platform after updates indicates your acceptance of the revised policy.

13. Data Retention Policy

We retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy:

  • Account Data: Retained as long as your account remains active.
  • Transaction Logs: Retained for a minimum of 5 years to comply with Central Bank of Nigeria (CBN) and Anti-Money Laundering (AML) regulations.
  • Ephemeral Data: BVN, NIN, and CAC registration documents are not retained post-verification and are immediately deleted from our active servers.

When personal data is no longer required, we securely delete or anonymize it.

14. Data Breach Procedures

In the highly unlikely event of a security breach that compromises your personal or financial data, Ay Global Data is committed to transparency. We will notify affected users and the Nigeria Data Protection Commission (NDPC) within 72 hours of discovering the breach, outlining the nature of the breach and the immediate steps taken to mitigate it.

15. Contact Us

If you have any questions about this Privacy Policy, your data rights, or wish to make a formal data request, please contact our Data Protection Officer (DPO) at:

Ay Global Data

Nigeria's Premium VTU & Digital Services Platform

Nigeria

Support@ayglobaldata.com

07035315925

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