Privacy Policy

Effective Date: September 8, 2025

At Topup9ja, operated and owned by SMD TECHNOLOGIES LIMITED, your privacy is our top priority. This Privacy Policy explains how we collect, use, and protect your personal information when you use our website and mobile application services. By using Topup9ja, you agree to the practices described in this policy.

1. Information We Collect

• Personal Information: Name, email address, phone number, payment details, and account credentials.
• Usage Information: Data about your interactions with our services, such as transaction history, service usage patterns, and device information.
• Cookies and Local Storage: We use minimal cookies and local storage parameters strictly required to securely maintain your logged-in session and improve app performance.

2. How We Use Your Information

• To provide, maintain, and improve our services.
• To process transactions securely and send confirmations.
• To communicate updates, promotions, and important notices.
• To protect against fraud, unauthorized use, and ensure security.

3. Data Sharing and Disclosure

We will never sell your personal information. We may share your data with trusted partners only in the following situations:

• With service providers who assist in operating our technical secure networks.
• When legally required, such as to comply with law enforcement or regulatory financial authorities.
• To protect the rights, safety, or property of Topup9ja, its users, or the public.

4. Data Security

We implement strict security measures to safeguard your personal information. While we strive to protect your data, no system is completely secure. You are encouraged to protect your login credentials and account details.

5. Your Rights & Account Deletion

• You may request access to the personal information we hold about you.
• You can request corrections or updates to your data.
• Account Deletion: You have the right to delete your account entirely at any time. For our full automated deletion steps, please refer directly to our Delete Account Policy.
• You can opt out of marketing communications at any time by contacting support.

6. Session Management

Our systems utilize secure identifiers to ensure your data remains safely walled off from third parties during active operations. You can manage data permissions directly via your device settings.

7. Changes to This Privacy Policy

Topup9ja may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised effective date. We encourage you to review this policy periodically to stay informed about how we protect your data.

8. Contact Us

If you have any questions or concerns regarding your privacy or this policy, please contact our support team:

Email: support@topup9ja.com.ng
Phone: +2348102876677

We are committed to protecting your personal information and ensuring a safe, secure, and trustworthy experience on Topup9ja.