1. Information we collect
To open a wallet and process top-ups, we collect:
- Account information — your name, email address, phone number, and a password (stored only as a salted hash, never in plain text).
- Transaction information — the beneficiary details for each order, such as the phone number you're topping up, a meter number, a smart card number, or an exam-body registration number, plus the amount and time of each order.
- Payment information — your funding source is processed by licensed payment partners (such as Paystack or Flutterwave). We receive confirmation that a payment succeeded and a reference ID; we do not store your full card number, CVV, or banking PIN.
- Verification information — for agent or higher-volume accounts, we may request a BVN or NIN to meet anti-fraud and financial regulation requirements.
- Device and usage information — IP address, device type, app version, and basic log data, used to keep the service secure and to diagnose failed transactions.
2. How we use it
We use this information to:
- Create and maintain your wallet and order history.
- Process and deliver the service you ordered, and route it to the correct network, disco, or exam body.
- Detect and prevent fraud, abuse, and unauthorised access.
- Provide customer support and respond to disputes or reversal requests.
- Send transactional messages (receipts, low-balance notices, security alerts) and, only with your consent, promotional offers.
- Meet our obligations under applicable Nigerian financial and data protection regulation.
3. How we share it
We share only what's needed to deliver your order or run the platform:
- Service providers — mobile network operators, electricity distribution companies, exam bodies, and cable TV providers, solely to fulfil the order you placed.
- Payment partners — to process wallet funding and verify transactions.
- Regulators and law enforcement — where we're legally required to disclose information, such as under a court order or financial regulation.
4. Data security
Your data is encrypted in transit and at rest. Access to personal and transaction data inside Richmandatasub is limited to staff who need it to do their job, and all wallet-affecting actions are logged. No system is completely immune to risk, and we'll notify affected users if a breach is likely to put their information or funds at risk.
5. Data retention
We keep account and transaction records for as long as your account is active, and for a further period afterward as required by applicable financial record-keeping and tax regulation. You can request deletion of your account at any time — see our account deletion page for what's removed immediately and what's retained, and why.
6. Your rights
Subject to the Nigeria Data Protection Act and other applicable law, you have the right to:
- Request a copy of the personal data we hold about you.
- Correct inaccurate or outdated information on your account.
- Request deletion of your account and associated personal data.
- Withdraw consent to marketing communications at any time.
To exercise any of these, contact us using the details below or visit our delete account page.
7. Cookies & tracking
We use essential cookies to keep you signed in and to remember your wallet session, and limited analytics cookies to understand how the site is used so we can improve it. You can disable non-essential cookies in your browser settings; essential cookies can't be disabled without affecting core functionality like staying logged in.
8. Children's privacy
Richmandatasub is a financial service and is not directed at, or intended for use by, anyone under 18. We do not knowingly collect personal information from children. If you believe a minor has created an account, contact us so we can close it.
9. Changes to this policy
We may update this policy as our service or applicable law changes. If a change is material, we'll notify you by email or by an in-app notice before it takes effect. The "last updated" date at the top of this page always reflects the current version.
10. Contact us
Questions about this policy or your data can be sent to support@richmandatasub.com.ng, or through the support chat in your dashboard.