Privacy Policy

Information We Collect

MySubWallet collects data from you through your interactions with our services for various lawful purposes. We rely on your consent, legitimate interests, necessity to perform contracts, and compliance with legal obligations when processing your data. You can decline to provide certain information; however, some features of our service may not function properly without it.

Personal Information:

When you create a MySubWallet account, we may collect your name, email address, phone number, BVN (where applicable), NIN (if required for verification), and other personally identifiable information necessary for onboarding and KYC purposes.

Transaction Information:

We gather data on your transactions, including funding history, withdrawal details, amounts, dates, wallet balances, and other related activities.

Passwords and Security Credentials:

We collect encrypted passwords, security questions, and similar information used for authentication and account protection.

Device and Usage Information:

We may collect information about the device you use to access MySubWallet, such as IP address, operating system, browser type, and device identifiers. We also collect interaction metrics, such as pages visited and actions performed.

Location Information

With your consent, we collect location data to enhance security, prevent fraud, and comply with regulatory requirements.

Feedback and Communications:

We collect information you provide through surveys, support interactions, feedback submissions, and product reviews.

How We Use Your Information

We use the information we collect for the following purposes:

Account Management: To create, verify, and manage your MySubWallet account and user profile.

Transaction Processing: To enable deposits, withdrawals, bill payments, and card creation activities on the platform.

Security and Fraud Prevention: To detect suspicious activities, enforce account protection measures, and maintain platform security.

Communication: To send important service updates, promotional offers (where permitted), security alerts, and policy changes.

Legal and Regulatory Compliance: To fulfill obligations under the Nigeria Data Protection Act (NDPA) and other applicable laws.

Information Sharing

MySubWallet may share your data under specific circumstances:

Service Providers: We work with third parties that provide services such as KYC verification, payment processing, cloud storage, and security monitoring.

Legal Compliance: We may disclose your information if legally required, such as in response to a subpoena, court order, or government request.

Business Transfers: In the event of a merger, acquisition, or asset sale, your information may be transferred to the new ownership entity.

Communication: To send important service updates, promotional offers (where permitted), security alerts, and policy changes.
We do not sell your personal information to third parties.

Data Retention

We retain personal information for as long as necessary to:

Operate and deliver our products and services.

Comply with regulatory or legal obligations.

Resolve disputes and enforce agreements.

Maintain security and prevent fraud.

The exact duration depends on the nature of the information and legal requirements

Reasons We Share Personal Data

We may access, transfer, disclose, or preserve personal data to:

Comply with applicable laws and respond to valid legal processes.

Protect the rights, privacy, safety, or property of our users and MySubWallet.

Maintain the security, integrity, and availability of our systems and services.

Prevent, detect, and address fraud, misuse, or technical issues.

Responding to Legal Requests and Preventing Harm

We may access or disclose your information if necessary to:

Respond to valid legal demands from civil litigants, law enforcement, or government authorities.

Protect users, ensure public safety, and maintain platform integrity.

Investigate and prevent fraud, security breaches, or technical issues.

Your Privacy Choices

MySubWallet may share your data under specific circumstances:

Access and Correction: You can review and update your account information through your MySubWallet profile or by contacting support.

Data Portability: You may request a copy of your personal data in a commonly used, machine-readable format.

Marketing Communications: You can opt out of marketing emails by using the unsubscribe link or contacting support.

Account Deletion: You may request account closure and data deletion, subject to legal and regulatory retention requirements.

Location Preferences: You can manage your location data settings through your device permissions.

Data Security

We implement industry-standard measures to protect your data, including:

End-to-end encryption

Firewalls and intrusion detection systems

Secure servers and restricted access controls

Regular audits and vulnerability testing

However, no system can be 100% secure, and you share information at your own risk.

Children’s Privacy

MySubWallet services are not intended for individuals under the age of 18.

We do not knowingly collect information from minors without appropriate parental consent as permitted by law.

If you believe we have collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Material changes will be communicated via prominent notices on our website or via email where appropriate.

Please review this policy periodically to stay informed about how we protect your information.

Governing Law

This Privacy Policy is governed by the Nigeria Data Protection Act (NDPA, 2023) and all other applicable Nigerian laws and regulations.

In case of any inconsistency between this policy and any applicable law, the law will prevail.

Contact Us

If you have any questions, concerns, or requests related to this Privacy Policy or your personal data, please contact:

Email: [email protected]