This Privacy Policy explains how Egobill (egobill.ng), operated by RETOP TECH SOLUTIONS, collects, uses, stores, shares, and protects your personal information when you use our VTU and bill payment services.

1. Information We Collect

• Account details: name, email address, phone number, username, and password hash.
• Verification details: BVN, NIN, government-issued ID, selfie or other KYC records where required.
• Transaction data: airtime/data/cable/electricity orders, amount, provider, token/reference numbers, status logs, and timestamps.
• Funding data: payment reference, bank/card metadata from payment gateway providers, and wallet balance movement history.
• Technical data: IP address, browser type, device identifiers, cookie/session identifiers, and security event logs.
• Support data: complaints, chat/email records, call notes, and documents submitted for dispute resolution.

2. Why We Use Your Data

• To create and manage your account and provide VTU/bill payment services.
• To process wallet funding, service purchases, reversals, and reconciliations.
• To verify identity, detect fraud, and enforce account security controls.
• To comply with applicable legal, regulatory, and anti-fraud obligations.
• To communicate service updates, transaction notifications, and support responses.
• To improve platform reliability, performance, and user experience.

3. Legal Basis and Consent

We process personal data based on one or more of the following: your consent, performance of our contract with you, compliance with legal obligations, and legitimate interests such as fraud prevention and service security.

4. Cookies and Session Technologies

We use cookies and similar technologies for authentication, session continuity, security controls, and analytics. Disabling cookies may limit your ability to sign in or use some account features.

5. Sharing of Information

We do not sell your personal data. We may share limited data with:

• Payment processors and gateway providers (for example, card or transfer verification and settlement).
• Telecom and utility aggregators needed to fulfill airtime, data, cable, and electricity requests.
• Identity verification and fraud screening partners where required.
• Law enforcement or regulators where legally required.

6. Data Retention

• We retain account and transaction records for as long as necessary for service delivery, compliance, audit, dispute handling, and fraud prevention.
• Where account closure is requested, some records may still be retained to satisfy legal or regulatory obligations.

7. Security Measures

We implement administrative, technical, and operational safeguards including access controls, monitoring, fraud checks, and encrypted transport where supported. No platform can guarantee absolute security, so users are expected to keep passwords and OTPs confidential.

8. Your Privacy Rights

Subject to applicable law, you may request access to your personal data, correction of inaccurate data, restriction of certain processing, or deletion where legally permissible. To make a request, contact us through the Contact page.

9. Children and Minors

Our services are not intended for unlawful use by minors. Where legal capacity is required for payment services, we may restrict or remove accounts that do not meet eligibility requirements.

10. International Processing and Third Parties

Some third-party service providers may process data in different jurisdictions. By using our services, you understand that limited data may be transferred as needed to complete transactions or security checks.

11. Policy Updates

We may revise this Privacy Policy from time to time. Changes become effective when posted on this page. Continued use of the platform after updates means you accept the revised policy.

Last updated: June 20, 2026