Privacy Policy
Information We Collect
M-VTU LTD collects information you provide directly to us for the purpose of providing our digital telecommunications and value-added services. This includes:
- Personal Information: Full name, email address, phone number, date of birth, and identification documents for account verification
- Payment Information: Bank account details, card information, and transaction history processed through our certified payment partners
- Transaction Data: Airtime and data purchase details, recipient phone numbers, and service usage patterns
- Device Information: IP address, browser type, device type, and operating system for security and service optimization
- Communication Data: Messages, support tickets, and feedback you send to us
All customer funds are securely held by our partner banks, and M-VTU LTD only processes transaction instructions and maintains digital wallet technology.
How We Use Your Information
We use the information we collect to:
- Process and complete airtime, data, giftcard, and wallet-based transactions
- Verify your identity and comply with Know Your Customer (KYC) regulations
- Provide customer support and respond to your inquiries
- Secure your account and prevent fraudulent activities
- Improve our services and develop new features
- Send important account updates, security alerts, and service notifications
- Comply with legal obligations and regulatory requirements
- Analyze usage patterns to enhance service quality and user experience
Information Sharing and Disclosure
We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:
- Payment Partners: With Paystack, Flutterwave, and Monnify for processing payments and wallet funding
- Partner Banks: For secure fund holding and transaction processing as required by banking regulations
- Service Providers: With Reloadly and other telecommunications providers to deliver airtime and data services
- Legal Requirements: When required by law, court order, or regulatory authorities
- Business Protection: To protect against fraud, unauthorized transactions, or security threats
- Business Transfers: In connection with a merger, acquisition, or sale of assets
Data Security
M-VTU LTD implements comprehensive security measures to protect your personal information:
- Bank-level encryption for all data transmission and storage
- Secure payment processing through PCI DSS certified gateways
- Regular security audits and vulnerability assessments
- Multi-factor authentication for account access
- Secure data centers with 24/7 monitoring
- Employee access controls and confidentiality agreements
- Regular data backups and disaster recovery procedures
While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but are committed to protecting your data to the fullest extent possible.
Data Retention
We retain your personal information for as long as necessary to provide our services and comply with legal obligations:
- Account information: Retained while your account is active and for 7 years after account closure
- Transaction records: Retained for 7 years for regulatory compliance
- Communication records: Retained for 3 years or as required by law
- Identification documents: Retained for the duration required by KYC regulations
Your Rights
Under applicable data protection laws, you have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information (subject to legal requirements)
- Portability: Request transfer of your data in a structured format
- Restriction: Request limitation of how we process your information
- Objection: Object to processing based on legitimate interests
- Withdraw Consent: Withdraw consent for processing where applicable
To exercise these rights, contact us at support@m-vtu.site with your request and proof of identity.
Cookies and Tracking
Our website uses cookies and similar technologies to enhance your experience:
- Essential Cookies: Required for website functionality and security
- Analytics Cookies: Help us understand how you use our services
- Preference Cookies: Remember your settings and preferences
You can control cookie settings through your browser preferences.
Contact Us
If you have any questions about this Privacy Policy, please contact us:
- Email: compliance@m-vtu.site
- Phone: +234 707 443 3094
Last updated: November 12, 2025