Summary: This Privacy Policy explains how Bold Edge Technology Solutions handles personal information when you use C.C.O ODOH - VTU, Bills, including our Android app package ng.com.bbwdata, website, mobile web app, support channels, wallet services, airtime, data, electricity, cable TV, exam pin, and related bill-payment services.
We do not sell personal information. We use personal information to create and secure accounts, process wallet and bill-payment transactions, provide customer support, prevent fraud, meet legal obligations, and improve our services.
1. Who We Are
C.C.O ODOH - VTU, Bills is operated by Bold Edge Technology Solutions. In this policy, "we", "us", and "our" refer to Bold Edge Technology Solutions and the C.C.O ODOH service.
Privacy contact: You can contact us through the support or contact feature inside the app, or by email at support@gwaydata.com.ng.
2. Information We Collect
We collect information directly from you, automatically from your device, and from service providers when needed to operate the app.
| Data category | Examples | Why we collect it |
|---|---|---|
| Account information | Name, phone number, email address, state, username, password, transaction PIN, referral details, account type, account status. | To create your account, let you sign in, personalize account features, protect your account, and manage referrals. |
| Transaction information | Wallet balance, funding records, airtime/data purchases, bill-payment records, meter numbers, cable TV/IUC numbers, exam pin purchases, recipient phone numbers, transaction references, transaction status. | To process purchases, show transaction history, deliver value to the correct recipient, resolve disputes, and provide receipts. |
| Payment and wallet information | Payment amount, payment reference, bank transfer reference, virtual account number, wallet credits/debits, payment channel, bank name, masked payment details received from payment processors. | To fund wallets, confirm payments, prevent duplicate credits, reconcile accounts, and detect fraud. We do not ask you to submit full card numbers to us directly; card payments are handled by payment processors. |
| KYC and identity information | Where required, BVN, NIN, vNIN, identity verification ID, name linked to identity records, identity phone number, and verification status. | To generate or maintain dedicated wallet/virtual bank account features, comply with payment-provider and regulatory requirements, prevent fraud, and protect users. |
| Support and communication information | Messages you send to support, contact details, complaint details, attachments you choose to provide, and our replies. | To respond to questions, investigate issues, provide customer service, and improve service quality. |
| Device, log, and security information | IP address, device type, browser/app information, login time, pages or features used, error logs, approximate location from IP, and security events. | To keep the service working, maintain security, prevent abuse, troubleshoot errors, and improve reliability. |
| Optional files or media | Profile images, proof of payment, KYC images, or other files you choose to upload if a feature requests them. | To complete the action you requested, such as support review, payment confirmation, profile setup, or compliance verification. |
3. App Permissions
The app may request permissions only when needed for a feature. Depending on your device and version of the app, permissions may include internet/network access, notifications, camera, photo/media access, storage access, or biometric/device security features. We use these permissions to operate app features such as secure sign-in, notifications, profile or support uploads, payment evidence, and service delivery.
If a permission is optional, you can deny it, but the related feature may not work correctly. You can manage permissions from your device settings.
4. How We Use Information
- To register, authenticate, and manage user accounts.
- To process airtime, data, bills, electricity, cable TV, exam pin, wallet, and related transactions.
- To create, maintain, and reconcile wallet balances and virtual bank account services.
- To verify identity where required for compliance, fraud prevention, or payment-provider rules.
- To send transaction confirmations, service notices, support replies, security alerts, and important account updates.
- To prevent fraud, unauthorized access, money laundering, abuse, and security incidents.
- To troubleshoot errors, improve performance, and develop safer service features.
- To comply with applicable laws, regulations, tax, accounting, dispute, and legal obligations.
5. Sharing of Information
We share information only when needed to provide the service, comply with law, protect users, or complete actions you request. We may share information with:
- Payment processors and wallet providers, such as card, bank transfer, virtual account, wallet, and settlement providers.
- Bill-payment and VTU service providers, including airtime, data, cable TV, electricity, exam pin, and verification providers.
- Identity and compliance providers, where KYC, BVN, NIN, vNIN, or other verification is required.
- Hosting, database, security, analytics, and support providers that help us operate and protect the app.
- Regulators, law enforcement, courts, or government authorities when legally required or when necessary to prevent fraud or protect rights and safety.
- Business transfer parties if our service is involved in a merger, acquisition, restructuring, or sale, subject to appropriate safeguards.
We do not sell personal information. We do not use personal information for third-party advertising or cross-app tracking.
6. Third-Party Services
Some transactions are completed through third-party processors and service providers. Those providers may process information under their own privacy notices and legal obligations. Examples may include payment gateways, wallet or virtual account providers, banks, identity verification providers, mobile network providers, electricity distribution companies, cable TV providers, exam pin providers, hosting providers, and customer support tools.
We are responsible for choosing service providers that help us operate the app, but we do not control every independent privacy practice of third-party services. Please review third-party notices when you interact directly with them.
7. Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. These safeguards include account authentication, transaction PIN controls, access controls, server-side validation, monitoring for suspicious activity, and secure transmission where supported.
No internet or mobile service is completely secure. You are responsible for keeping your password, transaction PIN, phone, email account, and device secure. Do not share OTPs, PINs, passwords, or payment credentials with anyone.
8. Data Retention
We keep personal information for as long as needed to provide the service, maintain your account, complete transactions, support dispute resolution, comply with legal, accounting, tax, anti-fraud, and financial-record obligations, and enforce our terms.
When information is no longer needed, we delete it, anonymize it, or securely restrict it from active use, unless retention is required by law or necessary for legitimate business, security, or dispute purposes.
9. Account Deletion and Data Requests
You may request account deletion or ask to access, correct, export, or delete your personal information by contacting support inside the app or by emailing support@gwaydata.com.ng with the subject C.C.O ODOH Account Deletion Request.
For security, we may need to verify that you own the account before acting on a request. When your account is deleted, we will delete or anonymize personal information linked to the account unless we must keep certain records for legal, regulatory, tax, accounting, fraud-prevention, dispute, or security reasons. Wallet balances, unresolved disputes, pending transactions, chargebacks, or compliance reviews may need to be resolved before deletion is completed.
10. Your Choices and Rights
- You can update some account information inside the app.
- You can stop promotional messages where an unsubscribe or opt-out option is available.
- You can manage app permissions and notifications from your device settings.
- You can request access, correction, deletion, or restriction of your data by contacting us.
Depending on where you live, you may have additional privacy rights under local laws. We will respond to valid requests within the time required by applicable law.
11. International Processing
Your information may be processed in Nigeria and in other countries where our service providers operate. Where required, we use appropriate safeguards for transfers and processing of personal information.
12. Children
C.C.O ODOH - VTU, Bills is not directed to children under 13 years old, and we do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, contact us and we will take appropriate steps to delete it.
13. Store Review and Demo Accounts
For Google Play and App Store review, we may provide reviewers with a private demo account or demo mode so they can access app features. Demo credentials are provided only through the official store review fields or review notes and are not published in this public Privacy Policy.
14. Changes to This Policy
We may update this Privacy Policy from time to time. When we make changes, we will update the effective date above and may notify users through the app, website, store listing, email, or other appropriate channels.
15. Contact Us
If you have questions about this Privacy Policy or our data practices, contact us through the app support feature or email support@gwaydata.com.ng.