Your Privacy Matters
At GOB, operated by GOB Digital Services, we take your privacy seriously. This Privacy Policy explains how we collect, use, protect, and share your personal information. By using our platform, you agree to the practices described below.
Information We Collect
We may collect the following types of data when you use GOB:
Personal Information
Full name, phone number, email address, bank account details, Bank Verification Number (BVN), government-issued ID, and residential address — as required by our banking partner Fincra for KYC compliance.
Authentication Details
Login credentials, one-time passwords (OTPs), and your secure 6-digit transaction PIN.
Device & Technical Data
IP address, device type, browser type, operating system, and unique device identifiers.
Usage Data
Task activity, engagement history, wallet transactions, virtual account funding, bill payments, and all app interactions.
Transaction & Reward Data
Reward redemptions, withdrawal requests, virtual account details issued by Fincra, and bill payment records.
How We Use Your Information
We use the information we collect to operate and improve the GOB platform:
- → Create and manage user accounts securely.
- → Authenticate users and prevent unauthorized access.
- → Facilitate reward redemptions, bill payments, and withdrawals through third-party payment infrastructure providers including Fincra.
- → Facilitate access to virtual account utilities issued and managed by third-party providers in line with regulatory requirements.
- → Process bill payments — airtime, data, betting funding, and utilities.
- → Deliver services including tasks, promotions, and giveaways.
- → Comply with KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations as required by the CBN.
- → Detect, investigate, and prevent fraud or platform misuse.
Rewards & Payment Utility Services
Payment Infrastructure Partner: Fincra
GOB uses Fincra — a licensed financial institution — strictly as a payment infrastructure provider to support reward withdrawals, bill payments, and virtual account utilities. All banking and financial services are provided by Fincra in compliance with CBN regulations.
Withdrawal Process
- →All withdrawals are processed via bank transfer through Fincra, subject to verification and processing timelines.
- →24-hour processing fees apply as per Fincra's terms.
Minimum Reward Redemption Thresholds
Via Virtual Account
₦100
Minimum for funds received via virtual account
From Task Points
1,000,000 pts
Equivalent to ₦8,000 minimum for task-earned points
Virtual Account Numbers
- →Issued by Fincra in compliance with CBN regulations.
- →Requires complete KYC verification before issuance.
- →Funds received through virtual accounts are processed and managed by Fincra. Users have access to funds at any time, subject to processing times.
- →Fees apply for receiving funds via Fincra virtual accounts.
Important Disclaimer
GOB is a reward platform that offers financial utility services through our partnership with Fincra. GOB does not provide banking, lending, savings, or investment services. All payment-related features are limited to reward redemption and bill payment utilities facilitated by third-party providers. Reward amounts vary by task and are not guaranteed.
KYC Compliance
To comply with Central Bank of Nigeria (CBN) regulations and Fincra requirements, GOB operates a Know Your Customer (KYC) verification process:
- →Users must complete KYC verification to access reward withdrawals and payment utilities.
- →Required documents may include: Valid government-issued ID, Proof of Address, and Bank Verification Number (BVN).
- →KYC data is shared with Fincra for regulatory compliance purposes only.
- →Incomplete KYC will limit your access to withdrawal and wallet funding features.
Your KYC data is handled with the highest level of security. It is only shared with Fincra as required by CBN regulations and is never used for marketing purposes.
Cookies & Tracking Technologies
We use cookies and similar tracking technologies on the GOB web platform to:
- →Maintain secure login sessions across browsing activities.
- →Verify task completion accuracy and detect fraudulent engagement.
- →Improve platform functionality, load times, and overall user experience.
You may control or disable cookies at any time via your browser settings. Note that disabling certain cookies may affect platform functionality.
How We Share Your Data
We do not sell your personal data — ever.
We may share your data only in the following limited circumstances:
Fincra (Banking Partner)
For KYC verification, transaction processing, virtual account management, and regulatory compliance as required by the CBN.
Payment Processors
For deposits, bank transfers, and withdrawals facilitated on the platform.
Task Sponsors
Only aggregated or fully anonymized engagement data — never personally identifiable information.
Government & Regulators
When legally required by Nigerian law, court order, or regulatory body mandate.
Trusted Third Parties
Service providers who assist us in operating the platform and who are contractually bound to strict data security standards.
Fraud Prevention & Account Misuse
For the safety of our users and the integrity of the platform, GOB strictly prohibits the following:
Consequences of Misuse
Any user found engaging in prohibited activities may face:
- ✕Immediate account suspension or permanent ban.
- ✕Freezing or reversal of fraudulent transactions and forfeiture of all earnings.
- ✕Reporting to Fincra and relevant Nigerian regulatory authorities.
- ✕Legal action where necessary under applicable Nigerian law.
GOB reserves the right to review and investigate any suspicious activity to protect the platform and its users at all times.
Your Rights
Under the Nigeria Data Protection Act 2023 (NDPA), you have the following rights regarding your personal data:
Access & Correct
Access, update, or correct your personal information at any time through your account settings.
Request Deletion
Request deletion of your personal data, subject to legal and regulatory obligations that may require us to retain certain records.
Withdraw Consent
Withdraw consent for non-essential data processing at any time without affecting the lawfulness of prior processing.
File Complaints
File complaints with the Nigeria Data Protection Commission (NDPC) or relevant data protection authorities.
Transaction History
Request a full history of your transactions, task completions, and account statements at any time.
Delete Your Account
Delete your account via app settings or by contacting support. Full data removal takes up to 15 days. Certain financial records are retained as required by banking regulations.
To exercise any of your rights, contact us at info@gob.ng.
Data Retention
We retain your personal data only for as long as it is necessary to:
- →Provide you with our services as an active GOB user.
- →Meet regulatory and compliance requirements — CBN regulations require financial record retention for a minimum of 5 years.
- →Resolve disputes, investigate fraud, or enforce our Terms of Service.
- →Comply with Fincra's banking infrastructure and data requirements.
When you delete your account, GOB will remove your non-financial personal data within 15 days. Financial transaction records required by regulation will be retained for the legally mandated period, then securely deleted.
Data Security
We apply industry-standard and bank-grade security measures to protect your data at all times:
Bank-Level Encryption
All sensitive operations are protected with bank-grade encryption during transmission and at rest.
OTP & Secure PIN
Two-factor authentication via OTP and a secure 6-digit transaction PIN protect every financial action.
Strict Access Controls
Only authorized GOB and Fincra personnel with a documented need may access your personal data.
Regular Security Audits
We conduct regular security audits in compliance with CBN and Fincra financial regulations.
Secure Data Transmission
All data is transmitted securely to Fincra's banking infrastructure via encrypted channels.
Fraud Monitoring
Real-time monitoring systems detect and flag suspicious account or transaction activity automatically.
Users are strongly advised to keep passwords, PINs, and OTPs strictly confidential. GOB will never ask for your PIN or OTP via call, SMS, or email.
Children's Privacy
GOB is strictly for users aged 18 and above.
GOB is not intended for individuals under the age of 18. As a platform offering financial utility services, all users must be adults in accordance with CBN regulations. If we discover that a minor's data has been collected, we will delete it immediately and close the associated account. Parents or guardians who believe their child has registered on GOB should contact us immediately at info@gob.ng.
Third-Party Links
The GOB platform may contain links to third-party websites, services, or platforms (such as social media platforms used for task completion). We are not responsible for the content, privacy practices, or data handling of any third-party services. We encourage you to review the privacy policies of any external services you access through GOB before sharing your personal information with them.
Fees & Charges
By using GOB, users acknowledge and agree to the following fee structure:
- →Withdrawal processing fees as charged by Fincra per the applicable rate at the time of withdrawal.
- →Virtual account funding fees as applicable under Fincra's current fee schedule.
- →Bill payment service charges for airtime, data, utility, and betting platform funding transactions.
- →Any other fees disclosed in-app or in our Terms of Service at the time of transaction.
All fees are shown transparently before you confirm any transaction within the app.
App Permissions & Why We Use Them
GOB requests the following Android & iOS permissions to provide a secure, functional, and personalised experience. You can choose to grant or deny these permissions, but some features may not work without them.
Camera
android.permission.CAMERAUsed for uploading identity documents for KYC verification, scanning QR codes, and profile picture uploads.
Storage / Media
READ_EXTERNAL_STORAGE, WRITE_EXTERNAL_STORAGEUsed for selecting and uploading images or videos for profile verification, task submissions, and sharing rewards.
Location
ACCESS_FINE_LOCATION, ACCESS_COARSE_LOCATIONUsed to provide location-based tasks, rewards, and services, and to comply with regulatory requirements for location verification.
Contacts
READ_CONTACTSUsed for inviting friends to the platform, referral programs, and selecting contacts to share rewards.
Microphone
RECORD_AUDIOUsed for recording videos for tasks that require voice or video submissions.
Internet & Network
INTERNET, ACCESS_NETWORK_STATERequired for all app functionality — connecting to servers, loading tasks, sending/receiving notifications, and performing transactions.
Notifications
POST_NOTIFICATIONSUsed to send updates about tasks, rewards, promotions, and important app notifications.
Biometric Auth
USE_BIOMETRIC, USE_FINGERPRINTUsed to secure your login and financial transactions using fingerprint or face recognition.
Important: We only use these permissions for the purposes described above. We do not access any data beyond what is strictly necessary to provide the GOB app's features. All data collected via these permissions is handled securely and in compliance with this Privacy Policy.
Policy Updates
We may update this Privacy Policy periodically to reflect changes in our services, legal requirements, or business practices. When significant updates are made, we will notify you through:
- →An in-app notification or pop-up prompting you to review the updated policy.
- →An email to your registered address if the changes materially affect your rights.
- →An updated "Effective Date" at the top of this page.
Your continued use of GOB following any policy update constitutes your acceptance of the revised Privacy Policy.
Contact Us
For any privacy-related questions, data requests, or concerns, please contact us:
Important Disclaimer
GOB is a reward platform that offers financial utility services through our partnership with Fincra. All banking and financial services are provided by Fincra in compliance with CBN regulations. GOB does not provide banking, lending, savings, or investment services. All payment-related features are limited to reward redemption and bill payment utilities facilitated by third-party providers. Reward amounts vary by task and are not guaranteed. Please review Fincra's Terms and Conditions for full details on banking services.