At QuickOne ("we", "our", or "us"), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our mobile application.
1. Information We Collect
We may collect information about you in a variety of ways. The information we may collect includes:
Personal Data
Personally identifiable information, such as your name, email address, and telephone number, that you voluntarily give to us when you register with the application or when you choose to participate in various activities related to the application (such as VTU transactions and Loyalty Rewards).
Financial Data
We do not store your credit card numbers on our servers. All payment transactions are processed through secure third-party payment gateways (Monnify and Strowallet) which adhere to PCI-DSS standards. Monnify and Strowallet issue you dedicated virtual bank account numbers (Moniepoint, Sterling Bank, and PalmPay) for funding your wallet; we store these account numbers to display them to you and to correctly credit your wallet when you receive a transfer.
Identity Verification (NIN / BVN)
To comply with Central Bank of Nigeria (CBN) policy requiring a verified identity before any dedicated bank account can be issued, we ask you to verify your National Identification Number (NIN) or Bank Verification Number (BVN). This is submitted securely to our identity verification provider (Strowallet) to confirm your name and date of birth. We store your verified NIN/BVN, along with the confirmed name and date of birth, as part of your Know-Your-Customer (KYC) record, for as long as your account remains active and for the retention period described in our Data Retention section below.
Mobile Device Permissions
To provide a seamless experience, we may request access to certain features on your mobile device:
- Contacts (READ_CONTACTS): We may request access to your contact list to allow you to easily select phone numbers for airtime and data recharges, using your device's own contact picker. We do not upload, sync, or store your contact list on our servers.
- Biometrics (USE_BIOMETRIC): We request permission to use fingerprint or FaceID for secure login purposes. This authentication happens locally on your device; we do not collect or store your biometric data.
- Advertising ID (AD_ID): We use Google AdMob to show ads and reward you for watching them (Mining, Quest, and bonus features). AdMob may use your device's Advertising ID to serve and measure ads. See Google's own Privacy Policy for how they handle this data.
Derivative Data
Information our servers automatically collect when you access the application, such as your IP address, your browser type, your operating system, your access times, and the pages you have viewed.
2. How We Use Your Information
Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the application to:
- Create and manage your account.
- Process your Airtime, Data, and Bill Payment transactions.
- Calculate and credit your daily loyalty points (simulated mining rewards).
- Email you regarding your account or order status.
- Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
- Request feedback and contact you about your use of the application.
3. Disclosure of Your Information
We do not sell, rent, or trade your personal information. We only share necessary data with trusted third parties under strict confidentiality agreements:
- Payment & Identity Providers: Monnify and Strowallet, to issue your virtual bank accounts, process wallet funding, and verify your NIN/BVN.
- Telecom & Utility Providers: MTN, Airtel, Glo, 9Mobile, cable TV, and electricity distribution companies, to fulfill your top-up and bill payment orders.
- Google AdMob: to serve ads and process rewarded-ad earnings (Mining, Quest).
By Law or to Protect Rights
If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation.
4. Security of Your Information
We use administrative, technical, and physical security measures (including HTTPS encryption) to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable.
5. Policy for Children
Our services involve identity verification (NIN/BVN), wallet funding, and financial transactions, and are strictly intended for users 18 years of age or older. We do not knowingly collect personal or financial data from anyone under 18. If we become aware that a minor has provided us with personal information, we will take steps to delete such data and close the associated account.
6. Account & Data Deletion
You have the right to request the deletion of your account and associated personal data at any time. To request deletion, visit our Account Deletion Request page, or email support@quickone.com.ng with the subject "Account Deletion Request", including the phone number or email registered to your account for verification.
Upon request, our team will review your account to confirm there are no pending funds or open transactions, then delete your account and personal information from our active databases, subject to any legal obligations we may have to retain certain transaction records (without personal identifiers) for up to 5 years for CBN compliance and anti-money-laundering (AML) purposes.
7. Contact Us
If you have questions or comments about this Privacy Policy, please contact us at:
QuickOne Support
Email: support@quickone.com.ng