Privacy Policy

1. Introduction

XM Data is a digital service application that provides supported airtime, mobile data, utility payment, wallet, and transaction-management services. This Privacy Policy describes how information is handled when users create an account or use the platform.

2. Age Requirement

The platform is intended for users who are legally permitted to use the services provided. We do not knowingly collect personal information from children in circumstances prohibited by applicable law. A parent or guardian who believes that a child has submitted personal information may contact us at support@xmdata.com.ng .

3. Account Information

When an account is created, we may collect information such as:

• Full name
• Email address
• Phone number
• Username and encrypted password
• Information required for identity or account verification

Users are responsible for protecting their login credentials and reporting suspected unauthorized access.

4. Information We Collect

• Account data: Information submitted during registration, verification, or profile updates.
• Transaction data: Details related to airtime, data, bill payments, wallet funding, transfers, amounts, providers, status, references, and timestamps.
• Device and technical data: Device type, operating system, IP address, app version, and security-related identifiers.
• Support data: Messages and information submitted when contacting customer support.

5. How We Use Information

• Create and manage user accounts.
• Authenticate users and protect account access.
• Process and record supported transactions.
• Provide customer support.
• Send transaction and service notifications.
• Improve reliability, security, and platform performance.
• Detect fraud, abuse, and unauthorized activity.
• Meet applicable legal and regulatory requirements.

6. Service Providers and Data Sharing

Information may be shared with payment processors, financial service providers, network operators, bill-payment providers, verification partners, hosting providers, notification services, and other service partners when necessary to provide the requested service.

We may also disclose information when required by law, a valid legal process, or when necessary to protect users, the platform, or the public. We do not sell personal information.

7. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect user information. These may include secure connections, access controls, encrypted credentials, transaction monitoring, and restricted system access. No electronic system can be guaranteed to be completely secure.

8. Data Retention

Information is retained only for as long as reasonably required to provide services, maintain transaction records, resolve disputes, prevent fraud, and comply with legal or regulatory obligations.

9. User Rights

Depending on applicable law, users may request access to, correction of, or deletion of certain personal information. Users may also object to or restrict certain processing activities where legally available.

Requests can be submitted to support@xmdata.com.ng . Some transaction information may need to be retained where required for legal, accounting, fraud-prevention, or regulatory purposes.

10. Account Deletion

Users may request account deletion through the available in-app option or through our account deletion page. The request will be reviewed and processed subject to identity verification and lawful record-retention requirements.

11. Cookies and Similar Technologies

Our website may use cookies or similar technologies to maintain sessions, improve functionality, remember preferences, and support security. Browser settings may allow users to control cookies.

12. Changes to This Policy

This Privacy Policy may be updated when services, legal requirements, or data practices change. The updated version will be published on this page with a revised date.

13. Contact Us

Questions or privacy requests may be sent to: support@xmdata.com.ng

Website: https://xmdata.com.ng