Last Updated: January 30, 2026
At Mkgb Hub (mkgbhub.com), we are committed to protecting your privacy and ensuring the security of your personal information in compliance with the Nigeria Data Protection Act 2023 (NDPA) and other applicable laws.
This Privacy Policy explains how we collect, use, disclose, store, and protect your personal data when you visit our website, register an account, fund your wallet, or use our services (airtime recharge, data bundles, cable TV subscriptions, electricity bill payments, exam pins, airtime-to-cash, etc.).
By using our platform, you consent to the practices described in this policy. If you do not agree, please do not use our services.
1. Information We Collect
1.1 Personal Information You Provide
- Full name
- Phone number
- Email address
- Residential or business address
- Bank Verification Number (BVN) – where required for verification or compliance
- Payment details (processed securely via third-party gateways – we do not store full card details)
- Account credentials (username, password – stored hashed)
- Transaction history and wallet balance
1.2 Automatically Collected Information
- IP address
- Device type, browser, and operating system
- Pages visited, time spent, and referral sources
- Location data (approximate, derived from IP)
- Cookies and similar tracking technologies (for functionality, analytics, and security)
2. How We Use Your Information
We process your personal data for the following lawful purposes:
- To create and manage your account
- To process transactions (recharges, bill payments, pin purchases, etc.)
- To verify your identity and prevent fraud (KYC/AML compliance)
- To communicate with you (transaction confirmations, support, promotions – only with consent where required)
- To improve our services, website performance, and user experience
- To comply with legal obligations, resolve disputes, and enforce our terms
- For internal analytics, security monitoring, and system administration
3. Legal Basis for Processing
Under the NDPA, we rely on the following bases:
- Contract – to provide you with our services
- Legal obligation – compliance with financial regulations, AML/CFT laws, tax reporting
- Legitimate interests – fraud prevention, service improvement, security
- Consent – for marketing communications (you can withdraw consent anytime)
4. Sharing Your Information
We do not sell your personal data. We may share it with:
- Third-party payment processors (e.g., Paystack) – they have their own privacy policies
- Telecom operators, cable providers, electricity DISCOs (for service delivery)
- Regulatory authorities (CBN, NDPC, EFCC, etc.) when required by law
- Service providers (hosting, analytics, email delivery) under strict confidentiality
- In the event of merger, acquisition, or asset sale
5. Data Security
We implement reasonable technical and organizational measures to protect your data, including:
- Encryption (SSL/TLS) for data in transit
- Access controls and regular security audits
- Secure hashing of passwords
- No storage of full payment card details
However, no system is 100% secure. We cannot guarantee absolute security.
6. Your Rights as a Data Subject
Under the NDPA, you have the right to:
- Access your personal data
- Request correction of inaccurate data
- Request deletion (right to be forgotten – subject to legal retention obligations)
- Object to or restrict processing
- Data portability
- Withdraw consent (where processing is consent-based)
- Lodge a complaint with the Nigeria Data Protection Commission (NDPC)
To exercise these rights, contact us at Kennoresde@gmail.com.
7. Data Retention
We retain your data only for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, or resolve disputes. Transaction records are typically kept for 7–10 years as required by financial regulations.
8. International Transfers
Some of our service providers may be located outside Nigeria. Where personal data is transferred internationally, we ensure appropriate safeguards (e.g., standard contractual clauses or adequacy decisions) are in place in line with NDPA requirements.
9. Children's Privacy
Our services are not directed at children under 18. We do not knowingly collect data from children. If we become aware of such collection, we will delete it promptly.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance.
11. Contact Us
If you have questions about this Privacy Policy or our data practices, contact:
Email: Kennoresde@gmail.com
Phone/WhatsApp: +2348140090682
Address: j18 ijagun street itapaji Ekiti, Nigeri
Thank you for trusting Mkgb Hub with your data.