Privacy Policy

1. Introduction

Welcome to DataWise ("we," "our," or "us"). DataWise Global Technology Ltd operates the DataWise mobile application and website (https://apk.atyonlinesolution.com.ng) which provides digital services including airtime purchases, data top-ups, cable TV subscriptions, electricity bill payments, exam PIN purchases, wallet funding, and money transfers.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our application and services. By using DataWise, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect the following types of information:

2.1 Personal Information

• Full name (first name and last name)
• Email address
• Phone number
• State of residence
• Date of birth
• Bank Verification Number (BVN) — for KYC verification only
• National Identification Number (NIN) — for KYC verification only

2.2 Financial Information

• Virtual bank account numbers (generated for wallet funding)
• Transaction history and wallet balances
• Payment references and transaction statuses

2.3 Device & Technical Information

• Device type and operating system
• Push notification tokens (for delivering transaction alerts)
• IP address and approximate location
• App usage data and interaction patterns

3. How We Use Your Information

We use your information for the following purposes:

• Service Delivery: To process airtime, data, cable, electricity, and other digital service purchases
• Account Management: To create and manage your wallet, process fund transfers, and track your balance
• Verification: To verify your identity through BVN/NIN for KYC compliance and fraud prevention
• Communication: To send transaction receipts, push notifications for completed purchases, and important service updates
• Customer Support: To respond to your inquiries and resolve issues
• Legal Compliance: To comply with Nigerian financial regulations and anti-money laundering (AML) requirements
• Security: To detect and prevent fraudulent activities and unauthorized access

4. Information Sharing

We do NOT sell your personal information. We may share your data with:

• Service Providers: Telecommunication networks (MTN, Airtel, Glo, 9mobile), cable providers (DStv, GOtv, Startimes), electricity distribution companies, and payment processors — only as necessary to fulfill your transactions
• Payment Partners: Monnify, Payvessel, and other payment gateway providers for virtual account generation and wallet funding
• Regulatory Authorities: When required by law, court order, or government regulation
• KYC Verification Services: To verify your BVN/NIN as part of identity verification

5. Data Security

We implement industry-standard security measures to protect your information:

• Encrypted data transmission (HTTPS/TLS)
• Secure token-based API authentication
• Transaction PIN protection for all financial operations
• Biometric authentication support (Face ID / Fingerprint)
• Regular security audits and monitoring
• Limited access to personal data on a need-to-know basis

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. Specifically:

• Account Data: Retained while your account is active and for 6 years after account closure (as required by Nigerian financial regulations)
• Transaction Records: Retained for a minimum of 6 years from the date of transaction
• KYC Documents: Retained as required by law for anti-money laundering compliance
• Push Notification Tokens: Retained until you disable notifications or uninstall the app

7. Your Rights

You have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your account and associated data (subject to legal retention requirements)
• Portability: Request your data in a structured, commonly used format
• Opt-Out: Disable push notifications through your device settings at any time

8. Biometric Data

DataWise offers optional biometric authentication (Face ID / Fingerprint) for quick and secure login. Biometric data is stored locally on your device and is NEVER transmitted to our servers. We only receive a success/failure indicator from your device's secure enclave.

9. Children's Privacy

DataWise is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal data, we will take steps to delete such information promptly.

10. Third-Party Services

Our app may contain links to or integrations with third-party services. This Privacy Policy applies only to DataWise. We encourage you to review the privacy policies of any third-party services you access through our platform.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page with an updated "Effective Date." Your continued use of DataWise after changes are posted constitutes acceptance of the updated policy.

12. Governing Law

This Privacy Policy is governed by the laws of the Federal Republic of Nigeria. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of Nigerian courts.