Naijabiller Privacy & Cookie Policy

Last Updated: January 23, 2026

Naijabiller.com and our affiliate companies (together “Naijabiller”, “We”, “Our”, or “Us”) are committed to protecting and respecting your privacy. This policy explains how we collect, use, and safeguard your data in compliance with the Nigeria Data Protection Act (NDPA).

1. Consent

By visiting our website, signing up, or using the Naijabiller App, you accept the terms described in this Privacy Policy. We will not share your personal information with anyone except as described herein.

2. Who We Are & How to Contact Us

Naijabiller is a modern financial platform providing smartphone-based financial access and choice.

3. Your Rights Relating to Personal Data

Under the NDPA, you have specific rights regarding your information:

  • Access: Request a copy of the data we hold about you.

  • Correction: Update incorrect or incomplete information.

  • Erasure: Request deletion of data where there is no legal reason for us to keep it.

  • Object/Restrict: Object to processing based on “legitimate interests” or restrict how we use your data.

  • Portability: Request a transfer of your data in a machine-readable format.

  • Withdraw Consent: Withdraw your permission at any time (this may limit access to certain services).

To Exercise Your Rights: Contact us via the details in Section 2. We aim to respond within one month. We do not charge a fee unless the request is unfounded or excessive.

4. What Personal Data We Collect

Category Data Types Collected
Identity Data Name, Gender, DOB, Selfie/Facial ID, ID documents (for verification).
Contact Data Address, Email, Phone number.
Financial Data Bank account/card details, BVN (where required), wallet balance.
Marketing Your preferences for receiving communications from us.

5. How We Use Your Personal Data

We only use your data when the law allows us to, specifically for:

  • Providing Services: To manage your account, process transactions, and provide support.

  • Regulatory Compliance: To verify your identity (KYC) using your BVN or ID as required by the Central Bank of Nigeria (CBN).

  • Security & Fraud Prevention: To detect and prevent fraudulent activity.

  • Marketing: To send updates about new features (only if you have opted in).

6. Cookie Policy

Our platform uses “cookies” to enhance your experience.

  • What are Cookies? Small text files stored on your device that help us remember your preferences.

  • How We Use Them: For session management (keeping you logged in) and analyzing web traffic.

  • Your Choice: You can disable cookies in your browser, but some parts of Naijabiller may not function correctly.

7. Data Security & Retention

  • Security: We use appropriate measures to prevent unauthorized access. Access is limited to employees and third parties with a business “need to know.”

  • Retention: Data is kept only as long as necessary to fulfill the purposes collected, including legal, accounting, or reporting requirements.

Naijabiller Terms and Conditions

Effective Date: January 25, 2026

1. Account Eligibility & Registration

  • Age: You must be at least 18 years old.

  • Accuracy: You must provide accurate and complete information.

  • Verification: You authorize Naijabiller to verify your identity via third-party databases (including BVN) to comply with AML laws.

2. Use of Services

  • License: We grant you a limited, non-transferable license for personal financial transactions.

  • Prohibited Activities: No illegal activities, including money laundering or fraud.

  • Limits: We may impose transaction limits based on your verification level.

3. Payment & Fees

  • Service Fees: Fees for features will be displayed before you confirm a transaction.

  • No Reversals: Once a transaction (airtime, bills, etc.) is confirmed, it is final and non-reversible.

4. Security

  • Responsibility: You are responsible for your login credentials and PIN.

  • Unauthorized Access: Notify us immediately at support@Naijabiller.com if you suspect a compromise. We are not liable for losses due to your failure to secure your account.

5. Limitation of Liability

Naijabiller services are provided “as is.” We are not liable for:

  • Technical system failures or scheduled maintenance.

  • User errors (e.g., sending money to the wrong phone number).

  • Actions of third-party providers (utility companies, telcos).

6. Termination

We may suspend or terminate your account if you breach these terms, if we detect fraud, or if required by law.

7. Governing Law

These terms are governed by the laws of the Federal Republic of Nigeria. Disputes shall be resolved through mediation or in Nigerian courts.

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