Privacy Policy

1. Introduction

At AEMC, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our VTU services.

2. Information We Collect

2.1 Personal Information

We collect information that you provide directly to us:

• Full name
• Email address
• Phone number
• Date of birth
• Address

2.2 KYC Information

For account verification and compliance:

• National Identity Number (NIN)
• Bank Verification Number (BVN)
• Government-issued ID documents

2.3 Transaction Information

• Purchase history
• Payment information
• Wallet balance and transactions
• Beneficiary details (phone numbers, meter numbers, etc.)

2.4 Technical Information

• IP address
• Device information
• Browser type and version
• Usage data and analytics

3. How We Use Your Information

We use your information to:

• Process your transactions and provide services
• Verify your identity and prevent fraud
• Maintain and improve our services
• Send transaction confirmations and receipts
• Provide customer support
• Send promotional offers (with your consent)
• Comply with legal obligations
• Detect and prevent fraudulent activities

4. Information Sharing and Disclosure

We may share your information with:

4.1 Service Providers

We share information with third-party service providers who perform services on our behalf, including payment processors, network providers, and KYC verification services.

4.2 Legal Requirements

We may disclose your information if required by law, court order, or government regulation, or to protect our rights and prevent fraud.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement appropriate security measures to protect your information:

• Encryption of sensitive data in transit and at rest
• Secure servers and databases
• Regular security audits and updates
• Access controls and authentication
• Two-factor authentication option
• Transaction PIN for additional security

6. Your Rights and Choices

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your account (subject to legal requirements)
• Opt-out of marketing communications
• Export your transaction history
• Withdraw consent for data processing

7. Data Retention

We retain your information for as long as necessary to provide services and comply with legal obligations. Transaction records are kept for a minimum of 7 years as required by financial regulations. When you delete your account, your data will be permanently deleted after 24 hours, except for information we are required to retain by law.

8. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences
• Analyze site usage and improve performance
• Provide personalized content
• Detect and prevent fraud

You can control cookies through your browser settings.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by email or through a notice on our platform. Your continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

• Email: privacy@aemcvtu.com
• Support: support@aemcvtu.com
• Phone: +234 800 123 4567
• WhatsApp: Available 24/7