Privacy Policy

Welcome to KZ Data Sub. KZ Data Sub is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how KZ Data Sub collects, uses, discloses, and safeguards your information when you use the mobile application and its services, including but not limited to data bundles, airtime top-up, electricity bill payments, cable TV subscriptions, exam result-checker PINs, wallet funding, peer-to-peer transfers, and referral programs.

The App collects information that you provide directly and information generated automatically when you use the services:

2.1 Information You Provide

• Account Information: Full name, email address, phone number, and password when you create an account.
• Profile Information: Profile picture/avatar that you optionally upload.
• Transaction Data: Details of purchases including airtime recharges, data bundles, electricity token purchases, cable TV subscriptions (DSTV, GOtv, StarTimes), and exam result-checker PINs (WAEC, NECO, NABTEB).
• Payment Information: Wallet balance, virtual bank account details (created through a payment partner), and transaction history. Credit/debit card details are not stored directly.
• Service-Specific Data: Meter numbers, smart card/IUC numbers, and phone numbers you enter to complete bill payments and recharges.
• Referral Information: Referral codes shared and used, and information about your referral network.

2.2 Information Collected Automatically

• Device Information: Device type, operating system version, device model, unique device identifiers, and app version.
• Usage Data: Features used, screens visited, time spent, interaction patterns, and performance metrics.
• Network Information: Network status (online/offline), connectivity type, and carrier information for service optimization.
• Push Notification Tokens: Device tokens required to deliver transaction alerts, promotional messages, and service notifications.
• Clipboard Data: The App accesses clipboard only when you explicitly tap "Copy" for account numbers, referral codes, or exam PINs. Clipboard data is never read in the background.

The information collected is used to:

• Provide, maintain, and improve services including data, airtime, electricity, TV, and exam PIN purchases
• Process transactions, verify meters/smart cards, and send related notifications
• Create and manage your virtual bank account for wallet funding
• Process referral bonuses and manage the referral program
• Authenticate your identity via PIN, password, or biometric verification
• Deliver push notifications about transaction statuses, promotions, and account activity
• Respond to your comments, questions, and customer service requests
• Send promotional communications (with your consent)
• Detect, prevent, and address technical issues, fraud, and unauthorized access
• Improve app performance and user experience across different devices
• Comply with legal obligations and regulatory requirements

KZ Data Sub implements multiple layers of security to protect your account:

• Password Authentication: Your password is securely hashed and never stored in plaintext.
• 4-Digit PIN: A PIN used for quick login and transaction authorization. Only an irreversible cryptographic hash of the PIN is stored, tied to your own account, so the PIN itself is never readable by anyone and is never shared between accounts on the same device.
• Biometric Authentication: Optional fingerprint or face recognition for login and transaction authorization, processed entirely on your device using the device's secure enclave.
• App Lock: Automatic screen lock when the App is backgrounded, requiring PIN or biometric re-authentication.
• OTP Verification: One-time passwords sent via email for password resets.

Biometric data is processed locally on your device and is never transmitted to or stored on external servers.

Your information may be shared with the following parties solely for the purpose of providing the App's services:

• Payment Processors: Virtual account providers (e.g., PaymentPoint/Monnify) to facilitate wallet funding via bank transfers.
• VTU Service Providers: Third-party API providers (for data, airtime, electricity, cable TV, and exam PINs) who require minimal transaction details to fulfill orders.
• Network Operators: MTN, Airtel, Glo, and 9mobile for airtime and data delivery.
• Utility Companies: Electricity distribution companies and TV service providers for bill payment processing.
• Legal Requirements: When required by law, regulation, or to protect rights, safety, and property.
• Business Transfers: In connection with any merger, sale, or acquisition of company assets.

Your personal information is never sold, traded, or rented to third parties for marketing purposes.

Push notifications are used to inform you about transaction statuses (successful, failed, or pending), wallet credit alerts, referral bonuses, promotional offers, and important account updates. You can manage notification preferences in your device settings at any time. Your device push token is stored securely to deliver these notifications.

For optimal app performance and offline functionality, certain data is stored locally on your device, including cached profile data, wallet balance, recent transaction history, and authentication tokens. This data is stored using your device's secure storage mechanisms. Servers are secured with industry-standard encryption, access controls, and regular security assessments. However, no method of electronic transmission or storage is 100% secure.

Your personal information is retained for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. Transaction records are retained for a minimum of 7 years for compliance purposes. Locally stored data (PIN, biometric preferences, cached data) is removed when you uninstall the App or explicitly clear app data.

You have the right to:

• Access and receive a copy of your personal data
• Correct inaccurate or incomplete information via the Edit Profile feature
• Request deletion of your personal data
• Object to or restrict processing of your data
• Withdraw consent for push notifications at any time via device settings
• Disable biometric authentication through the Security settings
• Data portability — request your data in a structured, machine-readable format

You may request deletion of your account and associated data by visiting the Account Deletion page or by contacting support at Kzdatasub2026@gmail.com. Upon receiving your request, account deletion will be processed within 30 days. This includes removing profile data, wallet information, virtual account details, referral history, and push notification tokens. Transaction records required for legal compliance will be anonymized and retained for the required period.

The App integrates with third-party services to provide functionality. These services have their own privacy policies that govern how they handle your data. You are encouraged to review their policies. Key third-party services include payment gateway providers for virtual account creation and funding, VTU API providers for airtime, data, and utility services, and cloud infrastructure providers for secure data hosting.

The App's services are not intended for children under 13 years of age. Personal information from children under 13 is not knowingly collected. If you are a parent or guardian and believe your child has provided personal information, please contact support immediately and steps will be taken to delete such information.

This Privacy Policy may be updated from time to time to reflect changes in practices, services, or legal requirements. Significant changes will be communicated through in-app notifications or by updating the "Last updated" date. Continued use of the App after changes constitutes your acceptance of the revised policy. You are advised to review this Privacy Policy periodically.

If you have any questions about this Privacy Policy, data practices, or wish to exercise your data rights, please reach out:

Kzdatasub2026@gmail.com

+234 803 496 0995

© 2026 KZ Data Sub. All rights reserved.