Privacy Policy

At TOPAM, accessible from topam.com.ng, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by TOPAM and how we use it.

1. Information We Collect

The personal information that you are asked to provide will be made clear to you at the point we ask you to provide it. This may include:

• Personal Identification Information: Full name, email address, phone number, and physical address when you register for an account.
• Financial Information: Payment card details, bank account numbers, or wallet details used for funding your account or receiving Airtime to Cash payouts.
• Usage Data: Information on how you interact with our platform, such as your purchase history, IP address, browser type, and device information.

2. How We Use Your Information

We use the information we collect in various ways, including to:

• Provide, operate, and maintain our website and VTU services.
• Process transactions for airtime, data, cable subscriptions, utility bills, and bulk SMS.
• Facilitate secure Airtime to Cash conversions and transfer payouts.
• Improve, personalize, and expand our website's offerings.
• Understand and analyze how you use our website to enhance user experience.
• Communicate with you for customer service, updates, and promotional purposes.
• Find and prevent fraud or unauthorized transactions.

3. Information Sharing and Disclosure

We do not sell your personal information. However, we may share your data with third parties in the following circumstances:

• Service Providers: We share information with payment gateways (e.g., Paystack, Flutterwave) and telecommunication networks (MTN, Airtel, Glo, 9mobile) to process your transactions securely.
• Legal Requirements: We may disclose your information if required by law or in response to valid requests by public authorities (e.g., a court or government agency).
• Business Transfers: In the event of a merger, acquisition, or asset sale, your personal data may be transferred.

4. Data Security

We value your trust in providing us your Personal Information and strive to use commercially acceptable means of protecting it, including encryption and secure servers. However, remember that no method of transmission over the internet or method of electronic storage is 100% secure.

5. Your Data Protection Rights

You have the right to request access to the personal data we hold about you, request corrections, or request deletion of your data. If you wish to delete your account and associated data, you can do so by submitting a request through our dedicated Request Delete Account page, which securely routes your request to our support team.

6. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.