Privacy Policy

AMEXNETWORK Privacy Policy

Last Updated: january 20th, 2026

1. Introduction

AMEXNETWORK is a Virtual Top-Up (VTU) application for airtime, data, and bill payments in Nigeria. We are committed to safeguarding your privacy and ensuring your personal information is protected. This Privacy Policy explains how we collect, use, and store your data when you create an account and use our app. By using AMEXNETWORK, you agree to the practices described herein.

2. Age Restriction

AMEXNETWORK is intended for users aged 18 and older. We do not knowingly collect personal information from individuals under 18. If we discover that a user under 18 has created an account, we will terminate the account and delete all associated data. If you are a parent or guardian and believe your child has provided us with data, please contact us at AMEXNETWORK@gmail.com.

3. Account Creation

To use AMEXNETWORK, you must create an account, as our app requires login for all services, including airtime top-ups, data purchases, and bill payments. During account creation, we collect:

• Personal Information: Full name, phone number, email address, and a secure password.

You are responsible for maintaining the confidentiality of your account credentials and notifying us immediately of any unauthorized access.

4. Information We Collect

We collect the following data to provide our services:

• Account Information: Data provided during registration, as described above.
• Transaction Data: Details of your airtime top-ups, data purchases, and bill payments, including network provider, amount, and timestamp.
• Device Information: Device type, operating system, IP address, and unique identifiers for security and analytics.

5. How We Use Your Information

We use your data solely to:

• Facilitate account creation and login.
• Process transactions for airtime, data, and bill payments.
• Provide customer support and respond to your inquiries.
• Enhance app functionality and user experience through analytics.
• Send transactional notifications (e.g., payment confirmations).
• Detect and prevent fraud, unauthorized access, or security breaches.
• Comply with legal obligations under the Nigeria Data Protection Regulation (NDPR) and other applicable laws.

6. Data Sharing and Disclosure

We do not share, sell, or disclose your personal information to any third parties, except as required by law. For example, we may disclose data to legal authorities if compelled by a court order or to protect our rights, safety, or property. All transactions are processed directly through secure payment gateways, and we do not share your payment details with external entities.

7. Data Security

We employ industry-standard security measures, including encryption, secure servers, and access controls, to protect your data. However, no system is entirely secure. We recommend using a strong, unique password and enabling two-factor authentication (if available) to enhance your account security.

8. Your Rights

Under the NDPR, you have the following rights regarding your personal data:

• Access: Request a copy of the data we hold about you.
• Correction: Update inaccurate or incomplete data.
• Deletion: Request deletion of your data, subject to legal retention requirements.
• Objection: Object to certain data processing activities.
• Complaint: Lodge a complaint with the National Information Technology Development Agency (NITDA).

To exercise these rights, contact us at AMEXNETWORK@gmail.com.

9. Cookies and Tracking

Our app and website may use cookies to improve functionality, such as remembering login sessions. You can manage cookie preferences in your browser or device settings, but disabling cookies may impact app performance.

10. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. Updates will be communicated via email or in-app notifications. Continued use of the app after changes implies acceptance of the revised policy.