PRIVACY POLICY – Telcopay

Privacy Policy

Effective Date: 9 August 2026
Last Updated: 9 August 2026

Welcome to Telcopay a brand of Telco digital services limited (“we,” “our,” “us”). Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website, mobile application, and related financial technology services (collectively, the “Services”).

By using Telcopay, you agree to the collection and use of your information in accordance with this Privacy Policy.

1. Information we collect

We may collect the following types of information:

Personal information

When you create an account or use our Services, we may collect:

Full name
Email address
Phone number
Residential address
Date of birth
Government-issued identification details
Bank account details
BVN (Bank Verification Number), where required
Profile photo or verification documents

Transaction information

We collect information related to your use of our Services, including:

Gift card transactions
Bill payments
Airtime and data purchases
Fund transfers
Wallet funding and withdrawals
Transaction amounts, dates, and recipients

Device and technical information

We may automatically collect:

IP address
Device type and model
Operating system
Browser type
App version
Device identifiers
Log data and usage information

Cookies and tracking technologies

We use cookies and similar technologies to improve user experience, remember preferences, analyze traffic, and enhance security.

2. How we use your information

We use your information to:

Create and manage your account
Verify your identity
Process transactions
Provide customer support
Prevent fraud and unauthorized activities
Comply with legal and regulatory obligations
Improve our Services
Communicate important updates
Send service-related notifications

We do not sell your personal information to third parties.

3. Legal basis for processing

We process your information where necessary to:

Perform our contract with you
Comply with legal obligations
Protect your vital interests
Prevent fraud and financial crime
Pursue our legitimate business interests

4. Sharing your information

We may share your information with:

Financial institutions and payment partners

To process payments, transfers, settlements, and other financial transactions.

Identity verification providers

To verify your identity and comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.

Service providers

Third-party vendors who assist with:

Cloud hosting
Data storage
Analytics
Customer support
Security monitoring
Communication services

Regulatory authorities

Where required by applicable law, regulation, court order, or lawful request from government authorities.

5. Data security

We implement appropriate technical and organizational security measures to protect your information, including:

Encryption of sensitive data
Secure servers
Access controls
Authentication procedures
Fraud monitoring systems
Regular security assessments

While we strive to protect your information, no electronic transmission or storage system is completely secure.

6. Data retention

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

Provide our Services
Maintain your account
Resolve disputes
Enforce our agreements
Comply with legal, regulatory, tax, and accounting requirements

7. Your rights

Depending on applicable law, you may have the right to:

Access your personal information
Correct inaccurate information
Request deletion of your information
Object to certain processing activities
Request restriction of processing
Withdraw consent where processing is based on consent
Request a copy of your personal data

To exercise these rights, please contact us using the details below.

8. International data transfers

Your information may be processed or stored in countries outside Nigeria where our service providers operate. We take appropriate measures to ensure your information receives adequate protection.

9. Children’s privacy

Telcopay is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

10. Fraud prevention and compliance

As a financial technology platform, we may monitor transactions and account activities to detect:

Fraud
Money laundering
Terrorist financing
Unauthorized account access
Suspicious transactions
Abuse of our Services

We may suspend or restrict accounts where necessary to comply with applicable laws or protect users and our platform.

11. Third-party links

Our Services may contain links to third-party websites or services. We are not responsible for their privacy practices or content.

12. Changes to this privacy policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date and may notify users through our website, application, or email where appropriate.

Your continued use of Telcopay after changes become effective constitutes acceptance of the updated Privacy Policy.

13. Contact us

If you have questions, concerns, or requests regarding this Privacy Policy or how we process your personal information, please contact us:

Telcopay

Website: https://telcopay.ng

Email: support@telcopay.ng

We will make reasonable efforts to respond to your request promptly and in accordance with applicable data protection laws.

Your privacy and financial security are important to us. Telcopay is committed to handling your personal information responsibly, securely, and transparently.