Privacy Policy – GOB Digital Services Ltd

1

Information We Collect

We may collect the following types of data when you use GOB:

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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.

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Authentication Details

Login credentials, one-time passwords (OTPs), and your secure 6-digit transaction PIN.

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Device & Technical Data

IP address, device type, browser type, operating system, and unique device identifiers.

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Usage Data

Task activity, engagement history, wallet transactions, virtual account funding, bill payments, and all app interactions.

payments

Transaction & Reward Data

Reward redemptions, withdrawal requests, virtual account details issued by Fincra, and bill payment records via Ebills.africa.

2

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 Fincra (payment infrastructure) and Ebills.africa (bill processing).
→ Facilitate access to virtual account utilities issued and managed by Fincra in line with CBN regulatory requirements.
→ Process all bill payments — airtime, data, electricity tokens, cable TV, and betting wallet funding via Ebills.africa.
→ Issue and manage virtual dollar cards in partnership with Miden (card infrastructure provider).
→ 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.

3

Rewards & Payment Utility Services

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Our Financial Infrastructure Partners

Fincra — CBN-licensed payment infrastructure provider for reward withdrawals, wallet funding, and virtual NGN accounts.

Miden — YC-backed card infrastructure provider (virtual dollar card issuance and management).

Ebills.africa — Bill payment processing partner for airtime, data, electricity, cable TV, and betting funding.

account_balance_wallet NGN Virtual Accounts

send Bank Transfer Withdrawals

credit_card USD Virtual Cards

receipt_long Bill Payment Processing

Withdrawal Process

→All withdrawals are processed via bank transfer through Fincra, subject to verification and processing timelines.
→Processing fees apply as per Fincra's current rate schedule, shown transparently before confirmation.

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 (NGN)

→Issued by Fincra in compliance with CBN regulations. Requires complete KYC before issuance.
→Funds received 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.

Virtual Dollar Card (USD)

→Virtual USD cards are issued via Miden, a YC-backed card infrastructure provider.
→Cards are funded from your GOB NGN wallet via real-time Fincra FX conversion.
→Users cannot withdraw USD directly. To cash out, USD is converted back to NGN and withdrawn via existing bank transfer.
→Card data is processed and secured by Miden's PCI-DSS compliant infrastructure.

Important Disclaimer

GOB is a reward platform that offers financial utility services through our partnerships with Fincra, Miden, and Ebills.africa. 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.

4

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 (NIN, Voter's Card, Driver's Licence, Passport), and Bank Verification Number (BVN).
→KYC data is shared with Fincra for regulatory compliance purposes only.
→Incomplete KYC will limit access to withdrawal and wallet funding features.
→Virtual dollar card issuance via Miden also requires completed KYC verification.

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Your KYC data is handled with the highest level of security. It is only shared with Fincra or Miden as required by CBN regulations and is never used for marketing purposes.

5

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.
→The GOB mobile app does not use browser cookies. Analytics SDKs used in the app do not share your financial data with advertisers.

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You may control or disable cookies at any time via your browser settings. Note that disabling certain cookies may affect platform functionality.

6

How We Share Your Data

verified

We do not sell your personal data — ever.

We may share your data only in the following limited circumstances:

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Fincra (Payment Infrastructure)

For KYC verification, transaction processing, NGN virtual account management, and CBN regulatory compliance.

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Miden (Card Infrastructure)

For virtual dollar card issuance, card management, and PCI-DSS compliant card transaction processing.

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Ebills.africa (Bill Processing)

For processing airtime, data, electricity, cable TV, and betting wallet funding transactions.

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Payment Processors

For deposits, bank transfers, and withdrawals facilitated on the platform.

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Task Sponsors

Only aggregated or fully anonymized engagement data — never personally identifiable information.

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Government & Regulators

When legally required by Nigerian law, court order, or regulatory body mandate.

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Trusted Technology Partners

Service providers (hosting, analytics) contractually bound to strict data security standards.

7

Fraud Prevention & Account Misuse

For the safety of our users and the integrity of the platform, GOB strictly prohibits:

person_off Creating or using multiple accounts for personal gain

bug_report Attempting to exploit system vulnerabilities, tasks, or reward mechanisms

credit_card_off Funding wallets with stolen, fraudulent, or unauthorized money

smart_toy Using automation, bots, or artificial engagement to complete tasks

badge Misrepresenting identity, referrals, or task submission proofs

no_accounts Attempting to circumvent KYC requirements

Consequences of Misuse

✕Immediate account suspension or permanent ban.
✕Freezing or reversal of fraudulent transactions and forfeiture of all earnings.
✕Reporting to Fincra, Miden, 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.

8

Your Rights

Under the Nigeria Data Protection Act 2023 (NDPA), you have the following rights regarding your personal data:

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Access & Correct

Access, update, or correct your personal information at any time through your account settings.

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Request Deletion

Request deletion of your personal data, subject to legal and regulatory obligations that may require retention of certain records.

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Withdraw Consent

Withdraw consent for non-essential data processing at any time without affecting lawfulness of prior processing.

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File Complaints

File complaints with the Nigeria Data Protection Commission (NDPC) at ndpc.gov.ng or via info@ndpc.gov.ng.

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Transaction History

Request a full history of your transactions, task completions, and account statements at any time.

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Delete Your Account

Delete via app settings or by contacting support. Full data removal takes up to 15 days, subject to mandatory financial record retention.

To exercise any of your rights, contact us at info@gob.ng.

9

Data Retention

We retain your personal data only for as long as necessary to:

→Provide you with our services as an active GOB user.
→Meet CBN regulatory requirements — financial records must be retained for a minimum of 5 years.
→Resolve disputes, investigate fraud, or enforce our Terms of Service.
→Comply with Fincra and Miden data and banking infrastructure requirements.

schedule

When you delete your account, GOB removes your non-financial personal data within 15 days. Financial transaction records required by regulation are retained for the legally mandated period, then securely deleted.

10

Data Security

We apply industry-standard and bank-grade security measures to protect your data at all times:

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Bank-Level Encryption

All sensitive operations protected with bank-grade TLS encryption during transmission and at rest.

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OTP & Secure PIN

Two-factor authentication via OTP and a secure 6-digit transaction PIN protect every financial action.

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Strict Access Controls

Only authorized GOB, Fincra, or Miden personnel with documented need may access your personal data.

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Regular Security Audits

Regular audits in compliance with CBN, Fincra, and Miden financial and card infrastructure regulations.

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Secure Cloud Infrastructure

Platform data hosted on AWS with encrypted storage, isolated financial data schemas, and access logging.

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Real-Time Fraud Monitoring

Automated systems detect and flag suspicious account or transaction activity instantly.

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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.

11

Children's Privacy

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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.

12

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. This includes but is not limited to: Fincra, Miden, Ebills.africa, Sportybet, DSTV, and any other third-party integrations accessed via GOB.

13

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.
→Dollar card issuance and funding fees as per Miden's card infrastructure pricing.
→FX conversion spread applied when converting NGN to USD for virtual card funding.
→Bill payment service charges for airtime, data, utility, and betting platform transactions via Ebills.africa.
→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.

14

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.

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Camera

android.permission.CAMERA

Used for uploading identity documents for KYC verification, scanning QR codes, and profile picture uploads.

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Storage / Media

READ_EXTERNAL_STORAGE

Used for selecting and uploading images or videos for profile verification, task submissions, and sharing rewards.

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Location

ACCESS_FINE_LOCATION

Used to provide location-based tasks, rewards, and GPS verification for real-life field tasks.

contacts

Contacts

READ_CONTACTS

Used for referral programmes and selecting contacts for reward sharing.

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Microphone

RECORD_AUDIO

Used for recording videos for tasks that require voice or video submissions.

wifi

Internet & Network

INTERNET

Required for all app functionality — transactions, notifications, task loading.

notifications

Notifications

POST_NOTIFICATIONS

Used to send updates about tasks, rewards, promotions, and important app alerts.

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Biometric Auth

USE_BIOMETRIC

Used to secure 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 GOB's features. All data collected via these permissions is handled securely and in compliance with this Privacy Policy.

15

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.

16

Contact Us

For any privacy-related questions, data requests, or concerns, please contact us:

mail

Email

info@gob.ng

business

Company

GOB Digital Services Ltd

RC-9344756

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Partners

Fincra · Miden · Ebills.africa

Important Disclaimer

GOB Digital Services Ltd (RC-9344756) is a reward platform that offers financial utility services through partnerships with Fincra (payment infrastructure), Miden (card infrastructure), and Ebills.africa (bill processing). 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.