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Privacy Policy

Last updated: January 1, 2026

1. Introduction

At VerifiedSpencer, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our VTU platform and related services.

By using our services, you consent to the collection, use, and disclosure of your information as described in this policy. If you do not agree with this policy, please do not use our services.

2. Information We Collect

2.1 Personal Information

When you register an account, we collect:

  • Full name
  • Email address
  • Phone number
  • Date of birth
  • Residential address
  • Bank account details for wallet funding

2.2 Transaction Information

We automatically collect and store:

  • Data purchase history
  • Airtime transaction records
  • Bill payment details
  • Wallet funding and balance information
  • Transaction dates, times, and amounts
  • Phone numbers recharged
  • Electricity meter numbers

2.3 Technical Information

When you access our platform, we collect:

  • IP address and device information
  • Browser type and version
  • Operating system
  • Login timestamps and session data
  • Pages visited and features used

3. How We Use Your Information

We use the collected information for:

  • Service Delivery: Processing your data purchases, airtime top-ups, and bill payments
  • Account Management: Creating and maintaining your account, providing customer support
  • Security: Detecting and preventing fraud, unauthorized access, and illegal activities
  • Communication: Sending transaction notifications, service updates, and important announcements
  • Improvement: Analyzing usage patterns to enhance our services and user experience
  • Compliance: Meeting legal and regulatory requirements
  • Marketing: Sending promotional offers (only with your consent, which you can withdraw anytime)

4. Information Sharing and Disclosure

We DO NOT sell, trade, or rent your personal information. We may share your information only in these circumstances:

4.1 Service Providers

We share limited information with third-party providers necessary to deliver services:

  • Telecom operators (MTN, Airtel, Glo, 9mobile) for data and airtime delivery
  • Electricity distribution companies for token generation
  • Payment processors for wallet funding
  • SMS gateways for transaction notifications

4.2 Legal Requirements

We may disclose information if required by law or in response to:

  • Court orders or subpoenas
  • Government regulatory requests
  • Law enforcement investigations
  • Prevention of illegal activities or fraud

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, user information may be transferred as part of the business. We will notify you via email or prominent notice on our website before such transfer occurs.

5. Data Security

We implement industry-standard security measures to protect your information:

  • Encryption: All data transmitted between your device and our servers is encrypted using SSL/TLS technology
  • Secure Storage: Personal information is stored on secure servers with restricted access
  • Access Controls: Only authorized personnel have access to user data, and only on a need-to-know basis
  • Regular Audits: We conduct periodic security assessments and vulnerability tests
  • Firewall Protection: Our infrastructure is protected by advanced firewalls and intrusion detection systems

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

  • Essential Cookies: Necessary for core functionality like login and session management
  • Analytics Cookies: Help us understand how users interact with our platform
  • Preference Cookies: Remember your settings and preferences

You can control cookie settings through your browser. However, disabling cookies may limit your ability to use certain features of our platform.

7. Your Rights and Choices

You have the right to:

  • Access: Request a copy of your personal information
  • Correction: Update or correct inaccurate data
  • Deletion: Request deletion of your account and data (subject to legal obligations)
  • Opt-out: Unsubscribe from marketing communications at any time
  • Data Portability: Request transfer of your data to another service provider
  • Restriction: Limit how we process your personal information

To exercise these rights, contact us at privacy@verifiedspencer.com.ng. We will respond within 30 days.

8. Data Retention

We retain your personal information for as long as necessary to:

  • Provide you with services
  • Comply with legal obligations (typically 5-7 years for financial records)
  • Resolve disputes
  • Enforce our agreements

When you delete your account, we will anonymize or delete your personal information unless retention is required by law.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child without parental consent, we will take steps to delete that information immediately.

10. International Data Transfers

Your information may be processed and stored outside Nigeria. We ensure appropriate safeguards are in place, including standard contractual clauses and adherence to international data protection standards.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated revision date. Significant changes will be communicated via email or prominent notice on our platform. Your continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Us

For questions, concerns, or requests regarding this Privacy Policy or our data practices:

  • Email:

    support@verifiedSpencer.com.ng

  • Phone:

    8149290323

  • Address:

    Nigeria

13. Data Protection Officer

For specific data protection inquiries, you can reach our Data Protection Officer at support@verifiedSpencer.com.ng.