Privacy Policy

1. Overview & Scope

Welcome to TopupNaija.ng (the "Platform"). This Privacy Policy describes how TopupNaija, operated under parent company Semper Technologies Ltd, collects, utilizes, structures, and protects personal data gathered from visitors and registered consumers using our online vending systems in Nigeria.

Your privacy is of vital importance to us. We strictly align all data processing activities with the guidelines of the Nigerian Data Protection Regulation (NDPR) and general cybersecurity best practices. By utilizing our billing terminals, you explicitly agree to the collecting systems described in this document.

2. Personal Data We Gather

To deliver instant electricity tokens, airtime, and mobile data, we collect basic transactional coordinates:

• Identity Details: Customer name verified automatically from your utility meter, TV smartcard, or manual contact forms.
• Device Contacts: Mobile telephone numbers and recipient candidate email addresses used to dispatch generated tokens.
• Financial Coordinates: Card billing details processed securely through PCI-DSS compliant checkout portals. *Note: We never save raw CVV codes or debit card PINs on our servers.*
• Technical Diagnostics: IP address logs, browser agent types, and cookie session histories to block digital bot recharges.

3. How We Use Information

Collected personal records are routed exclusively to fulfill utility deliveries and secure wallets:

• Processing payments and generating prepaid electricity tokens, data bundles, or WAEC pins instantly.
• Routing automated transaction receipts via SMS notifications or candidate emails.
• Verifying client names to prevent funds from being permanently lost on invalid meter numbers.
• Auditing transaction statistics, detecting financial cyber-fraud, and protecting the Platform.

4. Information Sharing & Disclosure

We do not sell, rent, or trade client personal records to third-party advertising companies. To perform vending, we route data to:

• Distribution Companies (DisCos) & Telcos: The energy or telecom grid companies executing the recharge switches.
• Payment Settlement Gateways: SEC-regulated merchant aggregators routing credit/debit card transactions safely.
• Regulatory Agencies: Nigerian judicial courts or law enforcement systems if strictly requested under active financial cyber-crime audits.

5. Data Security & Storage

TopupNaija utilizes advanced safety measures managed by Semper Technologies Ltd. All databases are safeguarded under 256-bit AES database encryption. We maintain strict physical security systems in our hosting servers to block corporate breaches. Your transaction credentials and wallet records are completely sandboxed.

6. Consumer Rights & Inquiries

Under NDPR directives, you are entitled to absolute transparency regarding your data. You have the right to request a complete export of your transactional history, update your registered email addresses, or request permanent deletion of your profile archives. Settle any requests through our support desk:

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