Privacy Policy

1. Our Commitment to Your Privacy

• We collect only the personal data strictly necessary to deliver fast, reliable utility bill payments (electricity, water, cable TV, internet, airtime/data recharge, betting top-up, and more).
• All data is processed lawfully, transparently, fairly, and with the highest level of security.
• We use bank-grade encryption (TLS 1.3), secure servers, PCI-DSS compliant payment gateways, and strict access controls.
• We do not sell, rent, or trade your personal information to third parties for marketing or advertising purposes.
• Data is retained only as long as required for service provision, legal compliance, fraud prevention, or dispute resolution.
• You have strong rights over your data — including access, correction, deletion, restriction, objection, and portability.

2. Information We Collect

2.1 Information You Provide

• Full name, phone number, email address, and delivery/residential address
• Utility account details (meter number, customer/account number, service provider/DisCo name)
• Payment details (processed securely — we do not store full card/BVN details on our servers)

2.2 Automatically Collected

• Device & network info (IP address, device model, OS, browser type)
• Usage & transaction logs (login times, services used, payment history)
• Approximate location data (from IP address — used for fraud prevention)

2.3 Regulatory / Compliance Data (when required)

• Bank Verification Number (BVN)
• National Identification Number (NIN)
• Other KYC documents mandated by CBN or AML regulations

3. How We Use Your Information

• To create, verify identity, and manage your ReliefSub account
• To fetch real-time bills and process instant utility payments
• To send confirmations, receipts, low-balance alerts, and important service updates
• To detect, prevent, and investigate fraud, unauthorized access, or suspicious activity
• To comply with CBN, NDPC, tax, and anti-money laundering obligations
• To analyze usage patterns, improve platform features, and fix technical issues
• To respond to your support queries, refunds, or complaints

4. Sharing Your Information

We share data only when necessary and under strict controls:

• With electricity distribution companies (DisCos), water boards, cable providers, and telcos to validate accounts and process bill payments
• With licensed payment processors, banks, and switches to complete secure transactions
• With regulatory bodies (CBN, NDPC, NFIU, etc.) when legally required
• With trusted service providers (cloud infrastructure, email/SMS delivery) bound by confidentiality and data protection agreements
• In case of merger, acquisition, or asset sale (with prior notice to users where feasible)

We never share your data for third-party marketing.

5. Cookies and Similar Technologies

We use cookies, local storage, and tracking technologies to:

• Keep you logged in securely
• Remember your preferences and saved meter numbers
• Analyze platform performance and user experience
• Detect and block fraudulent or abusive behavior

You can manage or disable cookies via your browser settings, but some features may not function optimally.

6. Your Rights Under NDPA 2023

• Right to be informed about data collection and use
• Right to access your personal data held by ReliefSub
• Right to rectification of inaccurate or outdated information
• Right to erasure (“right to be forgotten”) where grounds apply
• Right to restrict or object to certain processing activities
• Right to data portability in a structured, machine-readable format
• Right to withdraw consent (where processing relies on consent)
• Right to lodge a complaint with the Nigeria Data Protection Commission (NDPC)

To exercise these rights, email our Data Protection Officer at privacy@reliefsub.com. We aim to respond within 30 days (or faster when required by law).

7. International Data Transfers

Some of our technology partners (e.g., cloud providers, analytics tools) may process data outside Nigeria. We ensure such transfers comply with NDPA requirements through appropriate safeguards like standard contractual clauses or recognized adequacy mechanisms.

8. Data Security

We maintain robust safeguards including:

• End-to-end encryption for sensitive data
• Regular security audits and penetration testing
• Role-based access controls and multi-factor authentication
• Incident monitoring and rapid response protocols

While we strive for the highest protection, no internet-based system is 100% immune to risk.

9. Children's Privacy

ReliefSub services are not directed to children under 16 years old. We do not knowingly collect personal data from children. If we become aware of such data, we will delete it promptly.

10. Changes to This Privacy Policy

We may revise this policy periodically to reflect service changes, legal updates, or improved practices. Material changes will be communicated via email, in-app notification, or prominent notice on reliefsub.com or the app. Continued use after changes constitutes acceptance.

11. Contact Us

For privacy questions, data rights requests, concerns, or complaints:

• Email: privacy@reliefsub.com
• Data Protection Officer: ReliefSub DPO
• Website: reliefsub.com (or your actual domain)