Privacy Policy

1. Introduction

Welcome to DirectCoupon ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our bill payment platform and services.

By using DirectCoupon, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this policy, please do not access the platform.

2. Information We Collect

Personal Information

We may collect the following personal information when you register an account or use our services:

• Full name
• Phone number
• Email address
• Username and password
• Bank Verification Number (BVN) — for identity verification purposes only
• Payment information (processed securely through our payment partners)

Transaction Information

We collect information related to your transactions, including:

• Service purchases (airtime, data, electricity, cable, exam PINs)
• Transaction amounts, dates, and statuses
• Wallet balance and funding history
• Device information and IP address

3. How We Use Your Information

We use the information we collect to:

• Process and complete your bill payments and transactions
• Manage your wallet and account balance
• Verify your identity and prevent fraud
• Send transaction confirmations and service notifications
• Communicate with you about your account, services, and updates
• Improve our platform, services, and user experience
• Comply with legal obligations and regulatory requirements
• Detect and prevent unauthorized access, fraud, and other illegal activities

4. Information Sharing

We do not sell your personal information. We may share your information with:

• Service Providers: Telecommunications companies, electricity distribution companies, cable providers, and exam bodies to fulfill your service requests.
• Payment Processers: Secure third-party payment processors to handle transactions and wallet funding.
• Regulatory Bodies: When required by law, regulation, or legal process.
• Fraud Prevention: When necessary to detect, prevent, or address fraud, security issues, or technical problems.

5. Data Security

We implement industry-standard security measures to protect your personal information, including:

• SSL/TLS encryption for data in transit
• Encrypted storage for sensitive data at rest
• Regular security audits and monitoring
• Access controls and authentication protocols

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. We will also retain your information as necessary to comply with legal obligations, resolve disputes, and enforce our agreements.

Transaction records are retained for a minimum of 5 years in compliance with Nigerian financial regulations.

7. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate personal information
• Request deletion of your personal information (subject to legal retention requirements)
• Opt out of marketing communications
• Withdraw consent where processing is based on consent

To exercise any of these rights, please contact us at support@directcoupon.com.ng.

8. Cookies and Tracking

We use cookies and similar technologies to maintain your session, remember your preferences, and improve your experience. You can control cookie settings through your browser preferences.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of the platform after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• Email: support@directcoupon.com.ng
• Website: directcoupon.com.ng