Last Updated: 2025-10-25
App Name: Upwardconnect (“we”, “our”, “us”)
1. Overview
Upwardconnect is a virtual top-up (VTU) and bills payment app that allows users to conveniently buy airtime, data, pay bills, and manage virtual bank accounts securely.
We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and protect your data when you use our app.
2. Information We Collect
When you use Upwardconnect, we may collect the following information:
- Account Information: Username, full name, email address, and phone number (required for app registration and transactions).
- Financial Information: Details related to your virtual bank account.
- Identity Verification: In some cases, we may require your BVN (Bank Verification Number) or NIN (National Identification Number).
- ⚠️ Your BVN/NIN is not stored by us. It is securely transmitted only to our payment or financial service provider for verification purposes.
- Contacts (Optional): You can grant permission to access your contact list if you want to buy airtime or data for someone in your contacts. You can revoke this access anytime in your device settings.
- Device Information: We may collect technical details such as device type, operating system, app version, and usage logs to improve performance and security.
- Transaction Data: Payment history, top-ups, and bill payments are stored to enable you to track your activity and for regulatory compliance.
3. How We Use Your Information
We use your information to:
- Create and manage your account
- Process airtime, data, and bill payments
- Provide you with a virtual bank account
- Verify your identity when required by our payment partners
- Send you important notifications about your transactions or account
- Improve our app performance and user experience
- Comply with legal and regulatory obligations
We never sell or rent your personal data to third parties.
4. How We Share Your Information
We may share your data only with:
- Licensed payment processors and financial service providers (for processing payments and account verification)
- Telecoms and bill payment partners (to fulfill your airtime or bill payment requests)
- Law enforcement or regulators (when required by law)
All partners are required to protect your data according to applicable privacy laws.
5. Data Retention and Security
We keep your data only as long as necessary to provide our services and comply with regulations.
We use encryption and secure transmission protocols (such as HTTPS) to protect your personal information.
Your BVN/NIN is never saved on our servers, it is only used for verification and securely deleted after the process.
6. Your Rights and Choices
You have the right to:
- Access and update your information in your account
- Withdraw contact access anytime in your device settings
- Request account deletion by messaging our support team at support@upwardconnect.com.ng
Once your account is deleted, your personal data and transaction history will be permanently erased, except where retention is required by law.
7. Children’s Privacy
Our app is not intended for individuals under the age of 13. We do not knowingly collect data from minors.
8. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be reflected with a new “Last Updated” date at the top of this page.
9. Contact Us
If you have any questions about this Privacy Policy, please contact us at:
📧 support@upwardconnect.com.ng
📞 +2348024151919