Privacy Policy
Last updated:
1. Overview
This Privacy Policy explains how KOBPAY collects, uses, shares and protects your information when you use our platform to make bill payments (e.g., airtime, data, cable TV, electricity and other supported services).
2. Information We Collect
- Account information: phone number, name (if provided), and other details you submit.
- Transaction information: bill type, amount, provider, reference IDs, timestamps, and delivery status.
- Recipient details: phone numbers, smartcard/IUC numbers, meter numbers, plan selections (as required to fulfill a bill).
- Device/usage data: basic technical logs (e.g., app version, error logs) to improve reliability and prevent fraud.
- Support messages: information you provide when contacting support.
3. How We Use Your Information
- To process and fulfill your bill payment requests and generate receipts.
- To provide transaction history and customer support.
- To detect and prevent fraud, abuse, and unauthorized access.
- To improve product performance, reliability and user experience.
- To comply with applicable legal and regulatory obligations.
4. Sharing of Information
We may share information only as needed to operate KOBPAY:
- Service providers: bill fulfillment and payment processors (to deliver airtime/data/tokens/subscriptions).
- Compliance and legal: when required by law, regulation, court order, or to protect users and the platform.
- Support tools: to respond to tickets and resolve issues (limited to what’s necessary).
We do not sell your personal information.
5. Data Retention
We retain transaction records and related data as needed to provide the service, resolve disputes, maintain security, and meet legal requirements. We may keep certain records even after account deletion where required by law or for fraud prevention.
6. Security
- We use reasonable safeguards to protect your data.
- Do not share OTPs, PINs, or passwords with anyone.
- Where applicable, sensitive keys and secrets are stored securely server-side.
7. Your Choices
- You can request account deletion (subject to legal retention requirements).
- You can contact support to correct account details where applicable.
- You can stop using KOBPAY at any time.
8. Children’s Privacy
KOBPAY is not intended for use by children. If you believe a child has provided personal data, contact us for review.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated date.
10. Contact
WhatsApp: +234 810 039 8233
Email: kobpayhq@gmail.com