Data Protection & Privacy

Privacy Policy

Your trust and data security are our top priorities. Learn how BizVTU - Cheap Data safeguards your personal information.

Last Updated: September 16, 2026

1. Introduction & Overview

Welcome to BizVTU - Cheap Data (accessible via bizvtu.com and our official mobile applications). We provide automated, instant Virtual Top-Up (VTU) services in Nigeria, including SME/CG data bundles, airtime recharge, electricity token purchases, cable TV subscriptions, and fintech wallet funding.

This Privacy Policy explains how BizVTU - Cheap Data collects, uses, protects, and stores your personal information in compliance with the Nigeria Data Protection Act (NDPA), the Nigeria Data Protection Regulation (NDPR), and international security standards.

2. Information We Collect

To provide seamless automated VTU and wallet services, we collect the following categories of information:

  • Personal Identifiers: Full name, phone number, email address, and account login PIN/password.
  • Financial & Transaction Data: Records of data purchases, airtime recharges, bill payments, dedicated virtual bank accounts (Monnify / PayVessel / PalmPay), timestamps, reference IDs, and cashback reward earnings.
  • Device & Telemetry Information: IP address, device type, operating system version, and unique push notification identifiers for fraud monitoring and delivery verification.
  • Contacts Permission (Optional / App Only): With your explicit consent in our mobile app, we access your device contacts solely to allow you to easily pick recipient phone numbers when buying data or airtime. We never store or upload your address book to our servers.

3. How We Use Your Information

We process your data strictly for legitimate operational purposes:

  • To authenticate your identity, secure your wallet balance, and authorize transactions.
  • To instantly deliver data bundles, airtime, and utility tokens to recipient phone numbers/meter numbers.
  • To calculate and deposit real-time Cashback Rewards into your dedicated cashback wallet.
  • To send transactional receipts, security alerts, and wallet funding confirmations via email and push notifications.
  • To prevent fraudulent activities, detect unauthorized account access, and ensure compliance with regulatory standards.

4. Data Security & Storage

We implement bank-grade security protocols to protect your personal and financial records:

  • End-to-End Encryption: All data transmissions are protected using 256-bit SSL/TLS encryption.
  • ACID Transactional Security: Strict database isolation and atomic transaction boundaries ensure zero fund loss or balance duplication.
  • Access Controls: Server infrastructure and databases are protected by multi-factor authentication, firewalls, and continuous automated security scanning.
Note: We do not sell, rent, or trade your personal data to advertisers or unauthorized third parties under any circumstances.

5. Third-Party Service Providers

To execute automated purchases and wallet funding, we connect securely with licensed partners:

  • Telecommunications & Utility Providers: MTN, Airtel, Glo, 9mobile, DisCos, and Pay-TV providers strictly to fulfill your requested top-ups.
  • Licensed Payment Gateways: CBN-licensed institutions (e.g., Monnify, PayVessel, PalmPay/PaymentPoint) for virtual account creation and automated payment settlement.

6. Your Rights & Data Erasure

Under the NDPA, you have full control over your personal data:

  • Right to Access & Rectify: You can review and update your profile details directly from the app or dashboard.
  • Right to Erasure / Account Deletion: You can delete your account and personal records at any time via our Delete Account Portal or by emailing support@bizvtu.com.

7. Contact Us

If you have any questions, inquiries, or concerns regarding our Privacy Policy or data handling practices, please reach out to our dedicated support team: