DavyKing

At DavyKing, 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 services, bill payment services, and TV subscription payment platform.

We may collect the following types of personal information:

• Full name and contact information (email address, phone number)
• Account credentials (username, password)
• Payment information (bank account details, card information)
• Transaction history and service usage data
• Device information and IP addresses
• Location data (when necessary for service delivery)

When you use our VTU and bill payment services, we collect:

• Mobile numbers for airtime and data top-ups
• Utility account numbers and meter numbers
• TV subscription account details (DSTV, GOTV, etc.)
• Transaction amounts and payment methods
• Service provider information

We use your personal information for the following purposes:

• Processing VTU transactions (airtime, data, electricity bills)
• Managing TV subscription payments
• Verifying your identity and preventing fraud
• Providing customer support and technical assistance
• Sending transaction confirmations and service updates
• Improving our services and user experience
• Complying with legal and regulatory requirements
• Marketing our services (with your consent)

We may share your information with:

• Mobile network operators (MTN, Airtel, Glo, 9mobile) for VTU services
• Utility companies for bill payment processing
• TV service providers (DSTV, GOTV) for subscription payments
• Payment processors and financial institutions
• Third-party service providers who assist in our operations

We may disclose your information when required by law, court order, or to:

• Comply with legal processes and regulatory requirements
• Protect our rights, property, or safety
• Prevent fraud or illegal activities
• Cooperate with law enforcement agencies

We implement robust security measures to protect your personal information:

• Encryption of sensitive data during transmission and storage
• Secure servers and databases with access controls
• Regular security audits and vulnerability assessments
• Employee training on data protection and privacy
• Multi-factor authentication for account access
• Continuous monitoring for suspicious activities

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

• Provide our services and maintain your account
• Comply with legal and regulatory obligations
• Resolve disputes and enforce our agreements
• Maintain transaction records for audit purposes

Generally, we retain transaction data for a minimum of 7 years as required by Nigerian financial regulations.

You have the following rights regarding your personal information:

• Access: Request access to your personal data we hold
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal data (subject to legal requirements)
• Portability: Request transfer of your data to another service provider
• Opt-out: Unsubscribe from marketing communications
• Account Closure: Close your account and stop using our services

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Improve our services and user experience
• Provide personalized content and recommendations

You can control cookie settings through your browser preferences.

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children. If we discover that we have collected information from a child, we will promptly delete such information.

We may update this Privacy Policy from time to time. We will notify you of significant changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying prominent notices on our platform

Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

This Privacy Policy is governed by the laws of Nigeria and complies with applicable data protection regulations including the Nigeria Data Protection Regulation (NDPR).