Privacy Policy for GOB (GoBankly)

Effective Date: 2023-12-1

Welcome to GOB (GoBankly). Your privacy is important to us. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our platform (gob.ng) and associated services.

By using GOB, you agree to the terms outlined in this policy. If you do not agree, please discontinue use of our services.

1. Information We Collect

When you use GOB, we may collect the following types of data:

A. Personal Information

• Name, email address, phone number

• Bank account details for transactions

• Government-issued ID (if required for verification)

B. Usage Information

• Transaction history (bill payments, airtime/data purchases, P2P transfers)

• Login activity and device information

• Comments, interactions, and engagement on the platform

C. Cookies and Tracking Technologies

We use cookies and analytics tools to improve user experience, track engagement, and ensure security.

2. How We Use Your Information

We use your information to:

• Provide and improve our services

• Process payments and transactions securely

• Prevent fraud and unauthorized access

• Notify you of updates, promotions, or security alerts

• Comply with legal obligations

3. Data Protection & Security

We implement industry-standard encryption and security protocols to protect your data. However, no system is 100% secure, and users should take precautions with their account credentials.

4. Data Sharing & Third-Party Services

We do not sell or rent your data. However, we may share information with:

• Payment processors  for financial transactions

• Legal authorities if required by law or for fraud prevention

• Third-party services for platform functionality (e.g., analytics tools)

5. Account Termination & Deletion

You have the right to request account deletion at any time.

A. How to Delete Your Account

To delete your GOB account:

1. Send an email to [email protected] with the subject “Account Deletion Request”.

2. Include your registered email and reason for deletion (optional).

3. Your account will be reviewed, and if no pending transactions exist, it will be permanently deleted within 7 business days.

4. Your Account can be deleted by you in your profile section on GOB.

B. Conditions for Account Termination by GOB

We reserve the right to suspend or terminate accounts that:

• Engage in fraudulent activities

• Violate our Terms of Service

• Use multiple accounts for exploitation

• Threaten platform security or disrupt services

6. Your Rights & Choices

As a GOB user, you have the right to:

• Access or update your personal data

• Request deletion of your account

• Opt out of marketing communications

• Report security or privacy concerns

7. Changes to This Policy

We may update this Privacy Policy as needed. Users will be notified of major changes via email or platform notifications.

8. Contact Information

For any questions or concerns regarding this policy, please contact us at:  [email protected]